Who We Are
TrailNorth Federal Credit Union (formerly known as Ticonderoga Federal Credit Union) was originally founded in 1954 by employees of International Paper Company’s Ticonderoga Mill. A federal charter for the Ticonderoga IPCO Federal Credit Union was granted in January of that year.
Since then, recognizing the need for growth and intending to serve additional members, previous Boards led TFCU through six charter expansions since January 1954.
By January 1978, our field of membership was expanded to include various towns around Ticonderoga, widening the ability for new members beyond IPCO. With the growing diversity of membership, the Board recognized the need to analyze the identity of the credit union, which culminated in a change in the credit union’s name to TrailNorth Federal Credit Union just 11 days into the New Year.
Since then, five additional charter expansions have brought us to where we are today, the most recent and most expansive of which was approved in January 2018 and includes individuals who live, work, worship or attend school in the counties of Essex, Washington, Warren, Franklin and Clinton Counties in New York as well as Addison County in Vermont. This larger field of membership will lay the foundation for long-term growth allowing us to provide cutting-edge products and services to many more members for many years to come.
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 the member through competitive rates and low or no-fee products and services.
TFCU is a full-service credit union serving more than 9,500 members with 3 branches located in Ticonderoga, Port Henry, and Elizabethtown New York. We leverage shared branching and online banking technology to provide products and services electronically whenever and wherever members choose. Technology also helps us to enhance operating efficiencies, offer low loan rates, competitive deposit rates and low fees relative to our competition while providing outstanding service.
Our mission is to enhance the lives of our members by offering a full range of convenient and economic services while maintaining financial security. We strive to meet this mission by adhering to our core values; financial strength, community, service, and integrity.
Membership Has Its Benefits