Twin Rivers

23 Phillips St, Massena, NY 13662

NCUA Insured4.1 (13 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1970

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Massena, NY may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1970

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

23 Phillips St

Massena, NY 13662

Google Maps 🗺Waze

(315) 764-0240

Service Area

This credit union is located in Massena and serves members in the NY area. Currently serving 2,598 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.74%

Used Auto Loan

7.09%

Personal Loan

13.54%

Credit Card APR

8.87%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NY

Lowest rates currently reported by credit unions in NY (NCUA Q4 2025).

Niagara'S Choice— New Auto Loan

Niagara Falls, NY

1.74%

New York Times Employees— Used Auto Loan

New York, NY

2.49%

Palisades— Personal Loan

Pearl River, NY

2.99%

Eastern Operating Engineers— Credit Card APR

Whitestone, NY

3.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

4.1

13 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

C Lamendola

4 years ago

The ladies gossip with friends while customers waited in line. This has happened multiple times. The one that made me the angriest was when my mother was sitting in the hot car, because the AC had just broke down. She had just been released from the hospital. I stood in line to cash my check so I could buy Mom her much needed medicine. The ladies were so busy chatting about one worker's daughter's school pictures, that they ignored the customers who were waiting in line. Another time a teller was gossiping with a guy in line who wasn't even a customer. They were just gossiping . I needed to cash my check before my break was over. I barely made it. They also closed my account unjustly, and kept my $5 deposit. I wanted to cancel a check due to an unjust charge. How are they still in business?

James Larrow

3 years ago

I have been with Twin Rivers for nearly 10 years now and I have nothing but good things to say about them. They treat me like family and everyone that works there knows me by name. I see some very harsh reviews posted here and I have to say that I don’t believe a word of them. If you can’t get along with these folks? Maybe you should be burying your money in the back yard.

Alicia morgan

2 years ago

I wouldn't even give this bank a star but unfortunately you have to. When we opened our account months ago they gave us the wrong account number an now their telling us they are gonna deny our pay coming into our checking account! Not I'mpressed with this bank at all will be switching to a different bank asap!

Alpha Omega

4 years ago

Worst bank every literally hit my credit with a hard inquiry the told me I wasn't approved for a debit card I was not told that it would be a hard inquiry but a soft check complete liars and scam artist if you ask me your federal credit union your supposed to help people build credit not ruin it yet the charged me 20 for a debit card I won't get and hard inquiry for no reason they really should explain this to people