(585) 589-5286 299 West Ave Albion, NY 14411

Credit Union History


Cobblestone Country FCU started life in 1965 as Liptons Federal Credit Union. That one-room, basic service credit union then merged with two local credit unions and expanded it’s charter to service all of Orleans County.

Over the years we have increased our list of banking products to become a full-service credit union, while keeping our fees low and our hometown values high.

Our Commitment


Cobblestone Country Federal Credit Union is built on a foundation of member deposits and is dedicated to serve our community by issuing loans and providing other services at reasonable prices to our members. We are committed to serving members in a friendly atmosphere and in a hometown setting where they will feel comfortable and receive one-on-one service. We strive to manage the credit union assets to provide the highest level of satisfaction

Volunteers and Staff


Board of Directors
Wayne Hale President
Joan Wraight Vice President
John Batchellor Treasurer
Dawn Meland Secretary
Charles Nesbitt Board Member


Credit Union Staff
Nancy Zielonko Manager
Teresa Radka Loan Officer
Christine Ranallo Assistant Manager
Audrey Christopher Head Teller
Nick Schroeder Customer Service
Brandi Fidanza-Carson Customer Service

Frequently Asked Questions


When can I apply for a loan?

Anytime! You do not need to be a member to apply. All borrowers must qualify according to our current lending guidelines. Many factors are used in our loan decision process, including a review of your credit report.


Do you have a Drive-Thru?

YES! The drive-thru is located on the back of the building


Are there fees associated with the Checking (draft) Accounts?

There are no per check fees, no monthly fees, and no statement fees.


Can I have more than one savings or checking account?

There is no limit to the number of savings or checking accounts you can establish.


Can I choose my own PIN number for my Visa ATM Card?

Yes. Just stop in with photo ID and we will be happy to change your number.


Why do I need to notify you if I'm traveling?

Setting travel notifications is important because credit card issuers will often block a card if they think there's suspicious activity. And you don't want the headache of having a charge declined while on vacation!


What is Cobblestone Country FCU's routing number?

222379085


How do I report my Visa ATM card lost or stolen?

Please call 1-800-543-5073


What is the Skip-A-Payment program?

Cobblestone Country FCU's Skip-A­Payment program allows you to skip up to two monthly payments each calendar year on certain loans. Those payments are then added to the end of your loan term. Skipping a loan payment does not impact your credit rating.


Do you have an ATM machine?

We are in the Co-op Network, which gives you access to over 30,000 ATMs.


How do I activate my home banking?

Go to our website, www.CobblestoneCountryFCU.com, and click SIGN UP. Agree to the Terms and Conditions. Then just fill out the registration form.


How do I change my address?

Address changes must be made in writing. You can stop by any branch and fill out an Address Change Form, or send your written request to our main office at: 299 West Ave., Albion, NY 14411.


What is a Credit Union?
A Credit Union is a cooperative association of people, operating under Federal Law, for the benefit of its members through low cost loans, good dividends on savings, and to help members use their savings and credit most effectively. A Credit Union is owned and operated by its members.


Who can join Cobblestone Country FCU?
Any person living or working in Orleans County and family members, by blood or marriage, who are living in the same household, regardless of age. A Social Security number is necessary to join. Once a member, always a member.


How do you join?
Obtain a membership application card from the credit union office. Once you fill out the card you must come to the credit union office to get assigned a membership number and pay a membership fee.


What does it cost to join?
There is a $15.00 membership fee. We also ask that you maintain a minimum balance of $5.00 in your savings account.


How do I withdraw from my accounts at the credit union?
Withdrawals can be made from your share*, share draft or club account simply by coming in. You may also withdraw from your checking account at a store or ATM with a Visa Debit Card (please refer to the Share Draft section for more information). *Please note where a loan is involved, share withdraws may be restricted if the shares are pledged on a loan or the loan is delinquent.


Do Share (Savings) Accounts earn dividends?
YES! The net earnings are distributed to the members in the form of a dividend. These are added to the member’s shares at the end of the quarter (March, June, September and December). The dividend rate is set by the Board of Directors.


What is Payroll Deduction?
Electronic deposits or payroll deduction is provided by the employer for your convenience and can be used for loan repayment and/or shares. It is necessary to fill out a card from the credit union to start, change or stop a payroll deduction. PAYROLL DEDUCTIONS DO NOT STOP AUTOMATICALLY WHEN A LOAN IS PAID OFF. Unless a change card is filled out, the payroll deduction will continue for the same amount and remain in your share account.


If I move out of the area, can I still be a member?
YES. Once a member, always a member. Please remember to change your address with us.


When are Christmas Club checks mailed? Christmas Club checks are mailed the second week of November.