Keith Orfanides

ServU Federal Credit Union is a full service financial alternative to a bank. As a member owned financial cooperative, credit unions are not-for-profit. They function to serve their membership. As a result, credit unions are able to pay back higher dividends on savings and charge lower interest on loans. Money that is made by the credit union after overhead is returned to the members as dividends and other financial services. The Credit Union is overseen by a volunteer Board of Directors. These Board members are elected each year by the credit union membership. Today ServU Credit Union serves over 40,000 members. Membership is open to anyone living, working, worshiping or attending school in the following counties: New York Counties: Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming or Yates Pennsylvania Counties: Bradford, McKean, Potter, or Tioga