Tri-lakes Federal Credit Union

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A short history of Tri-lakes FCU

Since its inception in 1978 the Tri-lakes Federal Credit Union has been serving its members in the SARANAC LAKE, New York area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Barbara Kourofsky, the Tri-lakes FCU has grown its membership to over 2,270 with assets of more than $16,322,097. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (518) 891-1666 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in SARANAC LAKE, NY.

General Information For Tri-lakes FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 23198
Address 197 BROADWAY 
State New York 
Zip-Code 12983
Phone Number (518) 891-1666
Fax Number (518) 891-1797
Email Address:
CEO/President Barbara Kourofsky
Members 2,270 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 16,322,097 

Compare Tri-lakes Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Adirondack Regional CU Potsdam 166 Market St 13676 (315) 268-1440 No 13.32

Tri-lakes Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Tri-lakes Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 12.90 3.50 3.75 3.25 4.75
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 452 209 175 44 200
Rank Among All New York Credit Unions 76 84 56 11 69

Tri-lakes Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.10 0.10 0.35
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 134 332 250
Rank Among All New York Credit Unions N/A 38 37 88 65
Tri-lakes Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 12.900138262,394
All Other Unsecured Loans/Lines of Credit 7.250354880,817
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.500821,585,847
Used Vehicle Loans 3.7502432,632,894
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.250462,127,512
Total Other Real Estate Loans/Lines of Credit 4.75015405,261
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.5001141,166,719
TOTAL LOANS & LEASES 9929,061,444

Tri-lakes Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 17766,2553165,000
    b. 15 Years or less 17922,45100
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 12438,80600
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 553,54100
Open-End Fixed Rate 10351,720295,000
TOTALS 612,532,7735260,000


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Tri-lakes Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes