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

Types of 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. Share accounts do receive dividends. The new earnings are distributed to the members in the form of a dividend on a quarterly basis. The dividend rate is set by the Board of Directors.

Checking Accounts

A checking account at the credit union is called a Share Draft Account. There is no minimum balance, no per-check fee and no service charges. You do pay for your own checks and any additional services you may require. For example stop payments, traces or check copies. The share draft accounts are connected to the share accounts and will overdraft for a $5.00 fee.

Courtesy Pay

This is an overdraft payment service for your share draft account. The added value to you includes no third-party fees, late fees, or the embarrassment of returned checks.

Under Courtesy Pay (CPA Y), we, at our discretion, may honor and pay checks, automatic debits (ACH), and ATM card purchases drawn against a checking account that does not have sufficient funds available at the time of the presentment. CPAY will be applied only after the account's other sources of overdraft protection (savings or credit lines) have been depleted. There is a $25 fee, per incident.

CPAY may be available for all checking accounts that have been opened for four (4) months and when all of that member's accounts are in good standing. The maximum limit ofCPAY is $300.00 per checking account, unless otherwise specified.

VISA Debit Cards

ATM Cards are connected to your Share Draft and Share Accounts. You may withdraw from your Share Draft and Share Accounts at an ATM* using your PIN number. When you use your card in a store the funds will be deducted from your Share Draft Account. *Please note if you use your card at an ATM machine you will be charged a $1.00 fee on top of the ATM machine fee.

Club Accounts

We offer Christmas, Tax, and Vacation Club Accounts. These accounts earn the same dividend as a Share Account. There is no minimum balance required. Christmas Club funds can be mailed to you or transferred to your Draft Account. The checks are mailed in the middle of November.

Share Certificates

We offer Certificates of Deposit (CDs) 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

Home Banking

We make it easy to bank from your home, at work, even when you're on the move. All you need is a computing device and an Internet connection. Then you can view your transactions, make transfers, request a withdrawal check, and manage your accounts whenever you want.

Direct Deposit and Payroll Deductions

Make a loan payment, pay your child's allowance, or save for Christmas without ever visiting a branch. With Payroll Deduction, your employer sends the credit union an amount determined by you and we make your deposit. Funds are accessible the same day with no lines. It's easy, fast, and hassle-free.

Wire Transfers

Wire transfers are a safe and secure way to move funds to or from an account at another financial institution. These financial to financial institution transfers are not subject to holds and provide quick access to your money. (See Fee Schedule for cost.)


Our members have the option to receive statements online. Access your monthly statements via Home Banking whenever it's convenient for you.

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