92 Dix Avenue
Glens Falls, New York 12801
Phone: 518.793.9502
Fax: 518.793.7961
Mark Rogers, Chairperson
Christine Smith, Treasurer, Secretary
Joseph Gerardi, Vice Chairperson
James Boucher, Supervisory Committee Chairperson
Peter VanVoast
John Jones
Steven Padasak
Staff
Christine Smith, Manager, NMLS# 81982
Renee Smith, Assistant Manager, NMLS# 2292965
Rebecca Pyatovsky, Member Service Representative
Colbi Sherman, Member Service Representative
Cooper’s Cave Federal Credit Union, your member owned financial institution, is committed to providing you financial products and services to meet your needs and reach your financial goals. We are equally committed to protecting our members’ privacy. You can be confident that your financial privacy is a priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a member service representative at (518) 793-9502.
We collect nonpublic personal information about from the following sources:
We may disclose all the information we collect, as described previously and as permitted by law, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the member information we provide to other third parties.
In order to conduct the business of the credit union, we may also disclose nonpublic personal information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of the credit union, follow your instructions as you authorize, or protect the security of our financial records.
If you decide to terminate your membership with Cooper’s Cave Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.
Cooper’s Cave Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:
External links provided on this web site are for informational purposes only. By clicking, you will be leaving Cooper's Cave Federal Credit Union's web site and going to a site not maintained by Cooper's Cave Federal Credit Union. Consequently, Cooper's Cave Federal Credit Union cannot be responsible for the content of alternate sites and cannot represent you or a third party if you enter into a transaction. Privacy and security policies of such sites may differ from those practiced by Cooper's Cave Federal Credit Union.
A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.
Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment. A credit union doesn't operate in that manner. Rather, each credit union member owns one "share" of the organization. The user of credit union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve on the board of directors.
The first credit union cooperatives started in Germany over a century ago. Today, credit unions are found everywhere in the world. The credit union movement started in this country in Manchester, New Hampshire. There, the St. Mary's Cooperative Credit Association, a church-affiliated credit union, opened its doors in 1909. Today, one in every three Americans is a credit union member.
The primary purpose in furthering their goal of service is to encourage members to save money. Another purpose is to offer loans to members. In fact, credit unions have traditionally made loans to people of ordinary means. Credit unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are nonprofit cooperatives. Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services.
Yes. All savings accounts are insured up to at least $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government.
A credit union exists to serve a specific group of people, such as a group of employees or the members of a professional or religious group. This is called a "field of membership." The field of membership may include where they live, where they work, or their membership in a social or economic group.
The Greater Glens Falls area is rich in Early American History. In 1824 James Fenimore Cooper, while writing his novel, The Last of the Mohicans, used the bridge that connected South Glens Falls and Glens Falls. Cooper decided to use the cave beneath the bridge in his novel, the now-famous Cooper’s Cave. The Cave and the area are now part of New York’s Independence Trail.
Cooper’s Cave Federal Credit Union, created by Finch Pruyn employees and chartered in 1958, remains a not-for-profit institution owned by you, our member. Cooper’s Cave FCU presently serves some 2,450 members, with approximately $20 million in assets.
Membership in this credit union is open to residents of Warren County and Washington County, employees of businesses located in Warren County and Washington County, those who attend church or school in Warren County and Washington County, and those who volunteer their time with an organization based in Warren County and Washington County. Family members of existing members are also eligible to join. Family includes spouses, partners, children, grandchildren, parents, grandparents, and siblings.
We subscribe to the policy of “once a member, always a member”. If you move, relocate or change jobs your account moves with you. Our credit union is member-owned, not-for-profit organization whose objective is to meet the needs of our members through professional, prompt, courteous service with a personal touch.
Your money is safe with us. The National Credit Union Share Insurance Fund (NCUSIF), administrated by the National Credit Union Administration (NCUA), a U.S. government agency (The strongest of all federal deposit insurance funds), federally insures your savings to at least $250,000.
We are governed by an elected board of volunteer directors, who set the policies and procedures for the operation of the credit union.
The mission of our credit union is to provide sound financial service within a cooperative principle. We believe in the Credit Union philosophy of “People Helping People”, “Not for profit, not for charity, but for service” and “America’s Credit Unions-Where people are worth more than money”. Our focus is on our membership. We belong to you!
Become a member of Cooper’s Cave FCU and start experiencing the credit union difference. Membership applications are available under Online Services.
Cooper’s Cave Federal Credit Union
Supervisory Committee
PO Box 462
Glens Falls, NY 12801
Please do not enclose money or withdrawal requests.
