Phone: (845) 774-0831    Fax: (845) 774-0835    Email:

O & R Utilities EFCU is here to help our members in any way we can. We can offer practical tips to avoid debt, fees, and high interest rates.  Below are a few resources that are available to our members to help with financial questions or concerns.  As always, feel free to reach out to the credit union at any time for more information!

Managing Your Money:

Our Financial Calculators can help you calculate payments, savings, and what your debt ratio is.

Visit for information on credit unions as well as resources and tools to help you with your finances. provides information on saving and borrowing.  It even has an area for kids!

360 Degrees of Financial Literacy is a great resource for members at any stage of their lives to help understand your personal finances.


Credit Reports:

Get your free credit report three times a year:

Visit The Federal Trade Commission for some great information on credit reports and methods to monitor your credit.

The Federal Reserve has some great tips on improving your credit score.