(585) 589-5286 P.O. Box 380 299 West Ave Albion, NY 14411

Deposit Accounts

There are a couple ways you can save at Cobblestone Country FCU.

Share (Savings) Accounts

The saving accounts in the credit union are called Share Accounts. Members may save through payroll deduction, electronic deposits, check deposits and/or cash deposits. Shares may be added or withdrawn during regular hours.

Club Accounts

Christmas, Tax and Vacation Club Accounts are available. These accounts earn the same dividend as a share (savings) account. No minimum balance is required.

Share Certificates

We offer short-term 6- and 12-month certificates of deposit (CD) that earn a monthly dividend.

Checking Accounts

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

Loan Services

Any person who is a member and has had steady income for a year or more may apply for a loan. The amount and length of any loan is determined by the purpose, security offered and the person’s ability to repay. (Subject to federal regulations, Board of Directors policy and discretion of the Loan Staff.)

Loan Applications are available in the lobby of the credit union. They can also be faxed or mailed to you. A new form must be completed by the applicant for each new loan and has to be returned to the credit union with payroll verification and security information, if applicable.


All loans must be approved by the loan officer. After their approval, the necessary papers are prepared and the loan is processed.

Repayment of Loan

The due date for all loans is the 15th of each month. On this day the payment will be drawn out of your share account. You have a seven day grace period before a $15.00 late fee is charged to your account. Interest is calculated daily on the balance of the loan.

Loan Protection Insurance

The credit union offers the option of life and/or disability insurance on all loans if the customer wish to purchase it.

Types of Loans and Loan Eligibility

  • Members are eligible to have three loans at one time – 2 secured and 1 unsecured.
  • Unsecured (or personal) loans are limited to $5000.00 with a repay term of up to 30 months.
  • Secured (or chattel) loans are available for new or used cars, trucks, ATVs, etc. The term varies depending on the year of the security item.Detailed loan information is available by phone or fax. Secured items MUST carry proper insurance (collision and comprehensive) to protect the credit union’s interest. collision is not required on vehicles over ten years.
  • Share Secured Loans are also available. The shares must be kept in the share account of the member with the loan for the term of the loan.
  • Home Equity Loans are available for home that have at least 80% loan to value.
  • Some loans will require a Co-Maker. A co-maker is anyone with a good reputation, steady income and the ability to meet the obligation. Co-makers do not have to be members at the credit union.

Loan Calculator

Other Services

We offer money orders, VISA Gift Cards and postage stamps. During the summer we also offer certain amusement park tickets at a discounted price.

Skip a Pay Form

Wire Transfer Instructions

Need to transfer funds to your Cobblestone Country Federal Credit Union account from another financial institution? No problem! We have domestic transfer capabilities.

- Domestic wire fees are $15.

Bank to Bank Wire Instructions

For transferring funds to Cobblestone Country FCU, please give the following information to the financial institution sending funds to your credit union account:

Transfer to : Alloya Corp FCU
Routing #: 221381715
Credit to: Cobblestone Country FCU
Routing #: 222379085
Final Credit to: Your name, account, and home address