Board Governance

As a credit union, our structure was and remains a not-for-profit financial cooperative. We have always been a not-for-profit financial cooperative, giving power to individual member-owners rather than to corporate owners. When TFCU enjoys earnings, those earnings are returned to members through competitive rates and low or no-fee products and services.

Credit unions exist to serve their members. Like banks, credit unions accept deposits, offer loans and provide a wide array of other financial services. As a member-owned cooperative institution, credit unions provide a safe place to save and borrow at reasonable rates.

TFCU’s Board of Directors is the cornerstone of TFCU’s governance activities. The Board views the establishment and ongoing maintenance of a viable governance structure to be essential for TFCU’s stability and growth.

It is the responsibility of TFCU’s Board of Directors to continually strive to safely and securely provide the best value to our members throughout their lives. The current TFCU Board works diligently to uphold this role. The Board of Directors has ultimate accountability for the governance of the credit union, pursuant to governing legislation and by-laws. The Board’s role is to develop and implement sound policies and business strategies to support the objectives of the credit union and to ensure it is effectively managed for the overall long-term benefit of its members. The relationship between the Board and management, members, other stakeholders and the individuals on the Board is critical to meeting this accountability. As members of the Board, Directors will be elected and once seated, may be asked to serve on a variety of committees.

TFCU’s vision is that our members will recognize us as their trusted financial partner and that we will meet our primary goal of ensuring the continued strength, relevance and viability of the credit union now and long into the future.

We currently serve over 9,500 members and have $108 million in assets. We leverage technology to provide products and services, enhance operating efficiencies, offer low loan rates, competitive deposit rates and low fees relative to our competition while providing outstanding service. Originally chartered in 1954 and TFCU has been providing world class products and services to the North Country for nearly 65 years. A recent charter expansion has increased our field of membership to Warren, Washington, Essex, Clinton and Franklin counties in New York and Addison County in Vermont paving the way to serve many more members for years to come.


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