St. Lawrence Federal Credit Union
St. Lawrence Federal Credit Union is a federally chartered, member-owned credit union founded in 1954, serving 12,000+ members across 12 counties in Northern New York through 6 branches. It offers deposits, consumer and mortgage lending, credit cards, business loans, and digital banking.
- Company typePrivate
- Founded1954
- HeadquartersOgdensburg, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What St. Lawrence Federal Credit Union does
St. Lawrence Federal Credit Union is a federally chartered, member-owned credit union founded on November 10, 1954, and headquartered at 800 Commerce Park Drive, Ogdensburg, New York. The credit union serves more than 12,000 members who live, work, worship, or attend school in a 12-county field of membership across Northern New York (St. Lawrence, Clinton, Essex, Franklin, Fulton, Hamilton, Herkimer, Jefferson, Lewis, Oneida, Oswego, and Warren counties). It operates six physical branches — Ogdensburg (Commerce Park and State Street), Canton, Potsdam, Heuvelton, and Hermon — and was originally chartered as the St. Lawrence State Hospital Employees Federal Credit Union before converting to a community charter in 2001 and rebranding to its current name.
The credit union delivers a full suite of consumer and small-business banking products: deposit products (Primary Shares, Junior Savers, Share Certificates, Money Market, IRAs, Vacation/Christmas Clubs, Premier Rewards checking); consumer lending (new and used auto loans up to 100% financing, recreational loans for boats/ATVs/snowmobiles/RVs, equipment loans, personal loans, credit cards with 0% intro balance transfers, pledged loans, private student loans via Student Choice); mortgage products (fixed-rate, ARM, construction, HELOC, first-time buyer programs up to 90% financing with no PMI); and small business loans (equipment, lines of credit, commercial real estate). Technology delivery is via iOS/Android mobile apps, an online banking platform with bill pay and eStatements, the CO-OP shared branching and 30,000+ ATM network, mobile wallets (Apple Pay, Google Pay, Samsung Pay), CardValet for debit controls, ScoreCard Rewards, and Digital Services support.
The revenue model is a standard credit union net interest income plus fee structure. Revenue is generated principally through interest income on consumer loans (auto, recreational, personal, equipment, credit cards, student), mortgage products, and business loans, with secondary fee income from NSF/courtesy pay ($25), wire transfers ($20 domestic / $40 international), debit card replacement, inactive account fees, and referral/affiliate commissions on TruStage home and auto insurance, GAP, and CUNA Mutual protection products. Deposit-side pricing tiers (e.g., Share Certificates up to 3.30% APY, Junior Saver at 2.00% APY, Premier Shares at 0.60% APY) and lending tiers (new auto at 4.75%-10.00% APR depending on credit and term) reflect a risk-based, member-rated pricing model. As a not-for-profit cooperative, the institution returns earnings to members through dividends and competitive loan rates rather than to outside shareholders.
St. Lawrence Federal Credit Union firmographics
Firmographics- Name
- St. Lawrence Federal Credit Union
- Legal name
- St. Lawrence Federal Credit Union
- Website
- https://stlawrfcu.com
- Company type
- Private
- Founded year
- 1954
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- St. Lawrence Federal Credit Union is a federally chartered, member-owned credit union founded in 1954, serving 12,000+ members across 12 counties in Northern New York through 6 branches. It offers deposits, consumer and mortgage lending, credit cards, business loans, and digital banking.
- Ownership category
- akta.pro rank
St. Lawrence Federal Credit Union industry classification
Industry- Product category
- Retail Banking
- NAICS
- Credit Unions (522130)
- SIC
- Commercial Banks, Nec (6029)
- akta.pro primary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
- akta.pro secondary industries
- Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), General Purpose Credit Cards (FSAKABAA)
Keywords
Where St. Lawrence Federal Credit Union is headquartered
LocationHeadquarters
- HQ city
- Ogdensburg
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
St. Lawrence Federal Credit Union business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D
Revenue model
- Interest Income - Consumer Loans: Interest earned on auto loans, personal loans, recreational loans (boats, ATVs, snowmobiles, RVs), equipment loans, credit cards, and student loans. Rates vary by credit score and term. Major revenue driver.
- Interest Income - Mortgage Products: Fixed-rate and adjustable-rate mortgages, construction mortgages, and Home Equity Lines of Credit (HELOC). Does not sell loan servicing, keeping all servicing in-house.
- Interest Income - Business Loans: Business equipment loans, lines of credit, and commercial real estate loans for small businesses.
- Interest Income - Deposits: Interest paid to members on share certificates, money market accounts, and IRA accounts. Credit union pays dividends (interest) on member deposits.
- Fee Income: Fees from insufficient funds ($25), courtesy pay ($25), wire transfers (domestic $20, international $40), debit card replacement ($10), inactive account maintenance ($5/month), and incorrect mailing address ($5/month after 3rd month).
- Insurance Products: Referral partnerships for TruStage home and auto insurance, GAP insurance on auto loans, and debt protection on credit cards.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | New Auto Loans 2026/2025: A+ credit (750+) at 4.75%-5.50% APR depending on term (48-84 months) |
| Unit Pricing | Monthly | Used Auto Loans: A+ credit rates from 5.75% (2024-2022) to 8.00% (2019 & older) |
| Unit Pricing | Monthly | Personal Loans: A+ credit at 9.75% APR to E credit at 17.75% APR |
| Unit Pricing | Monthly | Recreational Loans: A+ credit at 5.75%-6.00% APR depending on term |
| Unit Pricing | Monthly | Equipment Loans: A+ credit at 6.50% (new) to 7.00% (used) |
| Unit Pricing | Monthly | Fixed-Rate Mortgages: 5.75% APR (up to 10 years) to 7.00% APR (21-30 years) |
| Unit Pricing | Monthly | Credit Cards: A credit at 8.95%-9.95% APR, E credit at 17.95% APR |
| Unit Pricing | Monthly | HELOC: WSP + 0.50%, adjusts quarterly. Floor 4.00%, Ceiling 15.00% |
| Unit Pricing | Monthly | Student Loans: Prime +1.00% to Prime +3.00% depending on credit score |
| Subscription | Monthly | Share (Savings): 0.10% APY on primary share |
| Subscription | Monthly | Money Market: 0.10%-0.70% APY depending on balance tier |
| Subscription | Monthly | Share Certificates: 0.75%-3.30% APY depending on term and balance |
| Subscription | Monthly | IRA Shares: 0.45%-2.50% APY depending on term |
| Subscription | Monthly | Premier Rewards Sharedraft: 2% cash back on debit purchases up to $8/month + ATM fee refunds up to $30 |
| Transaction based/ take rate | Monthly | Fees: NSF/Courtesy Pay $25, Wire transfers $20-$40, Debit card replacement $10 |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels6 records
St. Lawrence Federal Credit Union product offering
Product offeringCore offering
St. Lawrence Federal Credit Union is a federally chartered, member-owned credit union providing deposit products (savings, checking, share certificates, IRAs) and lending products (auto, personal, recreational, equipment, student, mortgage, HELOC, credit card, and small business loans) to more than 12,000 members in 12 counties of Northern New York through six branch locations, mobile and online banking, and the CO-OP shared branching and ATM network.
Product overview
St. Lawrence Federal Credit Union offers a comprehensive suite of financial products and services through a multi-branch retail banking model. The core product portfolio consists of deposit products (Primary Shares, Junior Savers, Share Certificates, IRAs) and lending products (Auto Loans, Personal Loans, Mortgages, HELOCs, Credit Cards, Business Loans). Digital banking services are delivered through Mobile Banking and Online Banking platforms. The credit union also provides supplementary services including financial counseling, GreenPath wellness programs, home insurance, overdraft protection, wire transfers, and notary services. Recent expansion includes the CNBH shared branching network following regulatory approval of the acquisition in 2026.
Differentiator
Problem solved
Functional benefit
Products and services
- Primary Share (Savings)
Quantifiable outcome
- Rates as low as 4.75% APR for new auto loans (A+ credit, 48 months)
- +2 more outcomes
Companies that use St. Lawrence Federal Credit Union
Customer profileNamed customers4 records
Segments6 records
Ideal customer profiles4 records
St. Lawrence Federal Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
Feature4 records
St. Lawrence Federal Credit Union partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- CO-OP Credit Unions / CO-OP NetworkcorePartnership with CO-OP Credit Unions provides members access to 30,000+ surcharge-free ATMs worldwide. CO-OP Shared Branching allows members to conduct transactions at other credit union branches nationwide.
- GreenPath Financial WellnesscoreProvides free financial counseling services to all members. GreenPath offers financial wellness resources, counseling, and education programs.
- TruStage InsuranceminorProvides TruStage home and auto insurance products to members through referral/cross-sell relationship.
- CUNA Mutual Group - MEMBERCONNECTminorJoint marketing partner for insurance and protection products. Listed in privacy policy as joint marketing partner.
- Student ChoicecoreProvides private undergraduate student loans for members. Loans are open-end credit allowing borrowers to draw against a pre-authorized line of credit.
- University Accounting Service (UAS)coreLoan servicer for student loans providing 24/7 account access, payment processing, and customer service for student loan accounts.
- Alloya Corporate Federal Credit UnioncoreUsed for wire transfer processing. Routing number 221381715 for sending wires.
- North Country Housing CouncilminorPartnership for first-time home buyer mortgage programs offering up to 80% financing with 30-year fixed terms.
Scale indicators11 records
Recent moves13 records
Expansion highlights5 records
St. Lawrence Federal Credit Union competitors and assessment
Company assessmentDirect peers
- Empower Federal Credit Union: New York-based community credit union formed from mergers of multiple upstate credit unions including Northern Credit Union (Watertown). Serves a broad upstate NY field of membership with comparable deposit, consumer, and mortgage products at materially larger scale.
- SeaComm Federal Credit Union: Federally chartered community credit union headquartered in Massena, NY, serving St. Lawrence and Franklin counties. Operates a similar full-service retail banking model with branches, deposit products, consumer/mortgage lending, and digital channels, directly overlapping St. Lawrence FCU's core geographic footprint.
- Community Bank, N.A. Upstate New York regional commercial bank with extensive branch presence in Northern and Central New York markets. Directly competes for deposits, mortgages, and small business lending in overlapping geographic areas and offers similar community-bank relationship model.
- NBT Bank: Regional community bank headquartered in Norwich, NY, with branch presence extending into Northern New York. Competes in deposit gathering, consumer lending, mortgage, and small business banking across overlapping upstate NY markets.
- Watertown Savings Bank: Mutual savings bank serving Jefferson and surrounding counties in Northern New York. Provides deposit products, mortgage lending, and consumer banking services to a geographic footprint that overlaps with St. Lawrence FCU's expanded 12-county field of membership.
Broad incumbents
- KeyBank: Major regional bank with material presence across upstate and Northern New York markets. Provides full-service consumer and small business banking products that compete for the same member/customer base as St. Lawrence FCU in the broader regional market.
- Visions Federal Credit Union: New York-headquartered community credit union serving a broad geographic field with full retail and digital banking services. Comparable in product mix and community-charter orientation but materially larger in asset base and geographic reach.
- ESL Federal Credit Union: Rochester-based federally chartered credit union with statewide reach and significantly larger asset base. Provides comparable deposit, lending, and digital banking products across New York, representing a scaled-up model of community credit union banking.
- M&T Bank: Buffalo-headquartered regional bank with statewide New York branch network including Northern New York. Competes broadly for deposits, mortgages, consumer, and small business banking, and represents the scale incumbent that small community credit unions must differentiate against.
Regional players
- Sidney Federal Credit Union: Upstate New York community credit union serving Chenango, Delaware, and Otsego counties. Similar size and cooperative structure with comparable deposit and consumer lending products, though operating in a different upstate NY region rather than directly competing.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
St. Lawrence Federal Credit Union social profiles
Digital presenceSt. Lawrence Federal Credit Union compliance and trust
Trust signalCompliance2 records
St. Lawrence Federal Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
St. Lawrence Federal Credit Union leadership team
Management profileNumber of profiles
Profiles15 records
St. Lawrence Federal Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
St. Lawrence Federal Credit Union M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about St. Lawrence Federal Credit Union
What does St. Lawrence Federal Credit Union do?
St. Lawrence Federal Credit Union is a federally chartered, member-owned credit union providing deposit products (savings, checking, share certificates, IRAs) and lending products (auto, personal, recreational, equipment, student, mortgage, HELOC, credit card, and small business loans) to more than 12,000 members in 12 counties of Northern New York through six branch locations, mobile and online banking, and the CO-OP shared branching and ATM network.
Is St. Lawrence Federal Credit Union a public or private company?
St. Lawrence Federal Credit Union is a private company. It is classified as management employee owned and is currently operating.
When was St. Lawrence Federal Credit Union founded?
St. Lawrence Federal Credit Union was founded in 1954. It employs 51 to 100 people.
Where is St. Lawrence Federal Credit Union based?
St. Lawrence Federal Credit Union is headquartered in Ogdensburg, United States, in the North America region.
How does St. Lawrence Federal Credit Union make money?
Six revenue lines are on record. Interest Income - Consumer Loans are the primary driver. The others are interest Income - Mortgage Products, interest Income - Business Loans, interest Income - Deposits, fee Income and insurance Products.
Who are St. Lawrence Federal Credit Union's main competitors?
Direct peers on record are Empower Federal Credit Union, SeaComm Federal Credit Union, Community Bank, N.A., NBT Bank and Watertown Savings Bank. Broad incumbents are KeyBank, Visions Federal Credit Union, ESL Federal Credit Union and M&T Bank. Sidney Federal Credit Union is listed as a regional player.
Does St. Lawrence Federal Credit Union have an API?
No public API is recorded for St. Lawrence Federal Credit Union.
What industry is St. Lawrence Federal Credit Union in?
St. Lawrence Federal Credit Union's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus), with a secondary code of FSAKAAAL, Bank & Credit Union Personal Loans (Unsecured Installment). Its NAICS code is 522130 and its SIC code is 6029.