Holiday Skip Pays are BACK!

Our popular Holiday Skip Pay offer is back in the nick of time.  Click here to learn more about the ability to skip your loan in November or December 2019.

Special Merchant Processor Discount rate for FocalPoint

Do you have a small business and are you looking to process your customers credit cards at the lowest possible rates? FocalPoint Federal Credit Union has now entered an agreement with merchant processor to offer our small business clients the absolute lowest rates and a free credit card terminal for your business. Click the link above to go to our merchant application or you can apply over the phone. 

Did you click over from localsyr.com?

If you clicked over from Syracuse NewsChannel 9 WSYR's www.localsyr.com, welcome to FocalPoint Federal Credit Union's website! We hope you will take a moment to look at our site and see what credit union membership, and FocalPoint, can do for you. Please call our marketing department to find out more about membership: (toll free) 866.674.2733. Click on our logo above to go to our home page. 

Special auto rate - act now!

When you're shopping for a new vehicle, it's always smart to check the rates at your CU, especially now! Get rates as low as 1.99% apr* while this offer lasts! Rates are subject to change anytime and without notice, so apply today -- just click on the Loans tab above, call or visit your branch. *apr is annual percentage rate. Eligibility and credit worthiness apply.  

How to use a Shared Branch when you travel

To find credit unions to use when you travel, click the Find a Shared Branch button on our home page. To make transactions at a Shared Branch, have your number ready. Show your FocalPoint number this way: 1st - insert zeros in front of your number to make it six digits long. 2nd - Add a zero at the end. 3rd - Insert "01" at the front. Example: 1234 becomes 010012340. (You may want to print these instructions to keep with you.) Safe & happy travels! 
 

With a computer and a phone, a branch is wherever you are!

We know with your busy schedule, it's not always easy to get to the branch to take care of your banking needs. Well, now you can handle your banking wherever you are:

Online Bill Pay. No stamps to buy, no last minute runs to the post office. Just a few clicks of your mouse and you're done.
E-Statements. Save time, save trees. Get email alerts when your statements are available and view them online.
Fasttrak Teller. 24/7 account access is just a phone call away! Check balances, transfer funds and so much more.
Direct Deposit. No more standing in line on payday -- your paycheck is automatically deposited in the FocalPoint accounts you choose.

To avoid bounced checks,        "opt in" for this service.

Never bounce a check again! You can avoid bounced checks by having Courtesy Pay to cover your overdrafts. Government regulations require you to opt in for Courtesy Pay. Even if you signed up for this before, you need to opt in again. This optional service can help you avoid the hassles, embarrassment and possible fees caused by returned checks. To opt in at FocalPoint, Click here to download the opt-in form. Or, visit your branch for more information.