Join Our Unique Financial Family!
O&R Utilities Employees Federal Credit Union
is a unique financial institution. Unlike banks that are strictly
profit-driven, we are not-for-profit and member-owned. We
return excess earnings to our members in the form of lower interest rates for loans, higher
yields on savings, and by adding new
financial products and services.
Applying for Membership
To join the credit union you must open a Share Savings
account. Deposit and maintain as little as $5.00 in this account
and a $5.00 one time membership fee, and you are immediately
eligible for credit union membership.
Who Can Join
Employees who work regularly at entities engaged in electric
power generation, transmission, and distribution industry
in Albany,Broome, Bronx, Chenango, Columbia, Delaware, Dutchess,
Greene, Kings, Nassau, New York, Orange, Otsego, Putnam,
Queens, Renesselar, Richmond, Rockland, Schoharie, Suffolk,
Sullivan, Ulster or Westchester Counties, New York: or Bergen
County , New Jersey: or Pike County, Pennsylvania and, also
include are spouses of persons who died while in the field
of membership of this credit union, employees of this credit
union, persons retired as pensioners or annuitants from the
above employment, volunteers, members of their immediate
family or household, organizations of such persons and other
legal or corporate entities in this charter.
Once you have become a credit union member, you can
invite your family members to join. Your entire immediate family
are all eligible for credit union membership. This includes spouse, children, siblings, parents, grandparents, and grandchildren, as well as stepparents, stepchildren, stepsiblings and adoptive relationships.
Death & Dismemberment
As a member of O&R Utilities EFCU you are eligible
for $3,000 of accidental death and dismemberment insurance
at no cost to you. Simply call the credit union for the enrollment
form and return it to American General/NBFSA. This free coverage could
prove invaluable in a time of need. No physicals or health
questions required. If you would like additional coverage,
please call 1-877-815-4685.
Once A Member, Always A Member
You're welcome to remain a credit union member for
life, regardless of whether you change jobs, move, or retire.
You can access your credit union financial products and services
online, by mail, fax, phone, and at thousands of nationwide ATMs.