Quick Rates
New Auto
Loans
as low as
4.74%
Home Equity
Loans
as low as
6.49%
Personal Loans
as low as
8.24%
RV / Boat Loans
as low as
7.89%
All loans rates and approval depend upon the individual applicant’s creditworthiness. All rates subject to change without notice. This Credit Union is Federally Insured by NCUA.
Recent News
NEW!
Save the Date
42nd Annual Meeting of the Membership
Stewart’s Federal Credit Union
Wednesday, October 15th | 4:30 PM
Plant Building 2 Conference Room
All members and non-members are welcome to attend. There will be a giveaway and prizes—plan to celebrate with us! More details to come.
This is your opportunity to vote for the Credit Union’s Board of Directors. We will be electing candidates for four open positions currently held by: Lanyel Brandon, Belinda Cole, Eric Fitzgerald and Paul Weil.
Interested in running for a Board position? Contact a member of the Nominating Committee no later than Friday, August 15th: (Reach all extensions through the main line: 518-581-1201) Angie Lauder – ext. 3905; Paul Weil – ext. 1150; Latrice Brandon – ext. 5505 or Frank Mazza – email: rlfd80@yahoo.com
Availability of Funds and Collection of Checks Changes Effective July 1, 2025
Important Regulation CC (Availability of Funds and Collection of Checks) Changes Effective July 1, 2025
In accordance with 12 CFR 229, Availability of Funds and Collection of Checks (Regulation CC), we are updating our Funds Availability Policy effective July 1, 2025. These changes impact when deposited funds will be available for withdrawal – increasing the amount made available to you for certain items presented for deposit.
Key Changes to Funds Availability
- The first $275 (previously $225) of a check deposit will generally be available no later than the first business day after the day of deposit.
- The threshold for large check deposits subject to extended holds has increased to $6,725 (previously $5,525).
- For new accounts, the amount of deposits available within the first business day has increased to $6,725 (previously $5,525).
These updates align with adjustments mandated by Regulation CC. Our general policy remains the same—most deposits will continue to be available on the day of deposit. However, certain check deposits may be delayed for a longer period under the following circumstances:
- We believe a check you deposited will not be paid
- You deposit checks totaling more than $6,725 on any one day
- You redeposit a check that has been returned unpaid
- You have overdrawn your account repeatedly in the last six months
- There is an emergency, such as failure of computer or communications equipment.
More details are below in the Disclosure and Fee Schedule, included in our Member Agreement.
Share Account Interest Rate will be Changing
Effective January 1st, 2025,
Share/Savings Accounts: 2.00% APY / Club Accounts: 2.00% APY / Holiday Saver Club: 2.50% APY
Join the Moooola Club!
Get their financial health started early!
The Savings Moola Club is designed to provide a fun way for children under the age of 14 to learn money management skills.
SecurLOCK
Protect your VISA Debit Card directly from your phone with the SecurLOCK app!
iOS App Store | Google Play Store
What’s SecurLOCK?Fraud
What to do if I suspect fraud
Immediately call the credit union to report the suspected fraud. If it is after hours or on the weekend call 1-800-543-5073.