Savings Account Interest Rate will be Changing

Savings Accounts: 1.75% APY

Club Accounts: 1.75% APY / Holiday Saver Club: 2.25% APY

Technology Upgrades: We are upgrading our Core Banking and Online Banking systems to bring you the best service and latest secure technology.

The upgrade will take place between Friday, October 31 – Monday, November 3, 2025

What is being upgraded?
Our core processor is being upgraded. This is the computer software and hardware we use to process transactions and maintain member deposits and loans. It also supports services such as Debit Cards and Online Banking. We will be migrating to a new online banking and mobile banking platform.

What can you expect?
If you use online banking, you will be logging into a new platform with your current User ID and a temporary Password after November 3, 2025. We will provide detailed instructions closer to the date. We will keep you informed throughout the entire process via email, online banking messages and regular updates at stewartscu.com.

Printed Statements:
All members will receive a printed bank statement (even those on e-statement) for the months of September and October. Once our conversion is complete, e-statements will resume for those that have chosen that option. Members who currently get e-statements, we advise you to download and save statements for 2025.

Important Dates to Remember:
Friday, October 31 – Online Banking and Billpay will be offline. Our Credit Union will be closed @ – NOON.
Saturday, November 1 – Online Banking and Billpay will be offline. Our Credit Union will be closed for upgrades.
Sunday, November 2 – Online Banking and Billpay will be offline. Our Credit Union will be closed for upgrades.
Monday, November 3 – Our office will reopen @ 9 AM for our members!!

Important Debit Card Information:
You can still access our ATM’s and use your debit cards during the downtime. To be safe, have some cash on hand and don’t plan to make large purchases with your card during those days.

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. 

 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

Effective January 1st, 2025,

Share/Savings Accounts: 2.00% APY / Club Accounts: 2.00% APY / Holiday Saver Club: 2.50% APY

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.

Moooola Club