(585) 589-5286 P.O. Box 380 299 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

Frequently Asked Questions


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.