Together with our members we will foster a climate of financial stability.

Important Information About Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.


What this means for you

When you open an account, you will be asked to fill out and sign a membership card. This card will ask for information that will identify you such as your name, address, birth date and social security number. We will also ask for a copy of a valid driver's license or other form of identification. New members must open a share (savings) account with a minimum opening balance of $5.00. There is a one-time new member fee of $2.50 when opening a first share savings account. If you are 18 or under and open a youth share savings account, there is no new member fee.


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Membership eligibility


Employees and Retirees of:

  • All public, private and parochial schools of Delaware, Otsego and Chenango Counties.
  • State University of New York, Delhi.
  • Hartwick College, Oneonta.
  • BOCES Groups: Otsego-Northern Catskill, Stamford, Delaware-Chenango, Norwich.
  • Springbrook
  • Youth Leadership Academy
  • Mountainside Residential Care Center
  • O'Connor Division of Bassett Hospital, Delhi.
  • Margaretville Hospital.
  • Village of Franklin Employees.
  • Town of Franklin Employees.
  • Town of Delhi Employees.
  • Utica School of Commerce, Oneonta Campus.

Students enrolled and attending (K -12) any public, private or parochial school in Delaware, Otsego and Chenango County.

Home Schooled Students in Delaware, Otsego or Chenango Counties, New York, who follow an individualized home instruction plan meeting state requirements.


Immediate family members or members of the same household.
(A brother in Tennessee or mother in Florida are eligible! Step parents and children are also eligible!)


Associations of eligible members
(Example - School Associations)


Once a member, always a member.
(You can remain a member even after your original eligibility requirements change!)


Still not sure? We will be happy to help you find out!
Give us a call at 607-829-3560.