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 have led TrailNorth 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 Ticonderoga 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.

In conjunction with the most recent charter change, we embarked on a month's long study of our name and brand. We asked ourselves whether the name Ticonderoga  Federal Credit Union would continue to serve us in the new counties in NY and VT.  We weighted our affection for a name we were proud to carry for many years against our responsibility to prepare the credit union for the future.  In the end, the Board of Directors unanimously agreed we needed a name that lets people in the new communities we serve know they can be part of our credit union.  A name that reflects our local roots in an area we are proud to live in as well as our commitment to being a force for good.   So, on January 1, 2020, we changed our name to TrailNorth Federal 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 TrailNorth enjoys earnings, those earnings are returned to the member through competitive rates and low or no-fee products and services.

TrailNorth is a full-service credit union serving more than 10,000 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. TrailNorth'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.  

Membership Has Its Benefits

Learn the Credit Union Difference here.

Our Core Values: Financial Strength. Community. Service. Integrity.