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Contact Us
By Email
You can e-mail us at This email address is being protected from spambots. You need JavaScript enabled to view it.
Emails sent through the above address are not encrypted and should not contain confidential information such as social security or account numbers.
By Mail
Rockland Employees Federal Credit Union
170 East Central Ave
Spring Valley, NY 10977
View more locations and hours >>
For any concerns, please contact:
Supervisory Committee
Claudette James, Chair
Rockland Employees Federal Credit Union
P.O. Box 575, 7 N Madison Ave
Spring Valley, NY 10977
By Phone
Tel: (877) 922-2822
Fax: (845) 371-2652
Visa Debit Cards - Lost/Stolen
For lost or stolen Visa debit cards, please call 800-472-3272.
Visa Credit Cards - Lost/Stolen
For lost or stolen Visa credit cards, please call 888-999-7729.
VISA Customer Service
For balance and payment information, please call 888-999-7729.
Zelle and Bill Payment Customer Service
For balance and payment information, please call 833-414-0534.
Online Banking Customer Service
For Online Banking support, please call 888-887-3193.
Holiday Closings 2025
- Wednesday, January 1st
- New Year’s Day
- Monday, January 20th
- Martin Luther King, Jr. Day
- Monday, February 17th
- President’s Day
- Monday, May 26th
- Memorial Day
- Thursday, June 19th
- Juneteenth Day
- Friday, July 4th
- Independence Day
- Monday, September 1st
- Labor Day
- Monday, October 13th
- Columbus Day
- Tuesday, November 11th
- Veterans Day
- Thursday, November 27th
- Thanksgiving
- Friday, November 28th
- Thanksgiving observed
- Thursday, December 25th
- Christmas Day
Locations & Hours
To serve you better, the credit union has 3 locations. We have provided the addresses, hours of operation and contact info for each of our branch locations below. Take advantage of the Deposit Enabled ATM and the Drop Box which are 24/7 at the Spring Valley Branch.
Corporate Office (24/7 ATM & Night Drop)
170 E. Central Avenue
Spring Valley, NY 10977
Tel: (Toll-Free): (877) 922-2822
Fax: (845) 371-2652
Hours
- Monday
- 8:00 a.m. - 4:00 p.m.
- Tuesday
- 8:00 a.m. - 4:00 p.m.
- Wednesday
- 8:00 a.m. - 4:00 p.m.
- Thursday
- 8:00 a.m. - 4:00 p.m.
- Friday
- 8:00 a.m. - 4:00 p.m.
Helen Hayes Hospital
51-55 N Route 9W,
West Haverstraw, NY 10993
Tel: (845) 429-0251
Fax: (845) 429-0382
Rockland Psychiatric Center
140 Old Orangeburg Road, Bldg. 19
Orangeburg, NY 10962
Tel: (845) 359-1836
Fax: (845) 359-7768
Hours
Monday - Friday 8:00 a.m. - 4:00 p.m.Closed for lunch 1:15pm - 2pm
ATM Machines
Corporate Office
170 E. Central Avenue
Spring Valley, NY 10977
Helen Hayes Hospital
51-55 N Route 9W,
West Haverstraw, NY 10993
Rockland Psychiatric Center
140 Old Orangeburg Road, Bldg. 57
Orangeburg, NY 10962
Rockland County Courthouse
20 Maple Ave
New City, NY 10956
Board, Committee Members & Management
BOARD OF DIRECTORS
The Board of Directors is a dedicated group of unpaid volunteers elected by the membership at our Annual Meeting to serve a three year term. Some of the responsibilities include:
- Interpret the organization's work and vales and promote the organization.
- Act in the best interests of the organization.
- Take seriously the major legal responsibilities of serving on a board, including and especially the fiduciary role.
- Stay informed about what is going on in the organization.
- Participate in and take responsibility for making decision on issues, policies and other board matters.
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- President
- Jody Fox
- Vice President
- Patsy Hardy
- Treasurer
- Sherry McGill
- Assistant Treasurer
- Cheryl Freeman
- Secretary
- Rosetta Coleman
- Director
- Claudette James
- Director
- Edna Pettiford
- Director
- Jaynette Mills-Simmons
- Director
SUPERVISORY COMMITTEE
The Supervisory Committee is responsible for performing an audit function to inspect the credit union’s records for accuracy, its assets for security and its procedures for the proper handling and use of funds. Additional responsibilities include:
- Review internal controls.
- Review examination and audit findings and follow-up to ensure that management takes the necessary corrective action.
- Research member complaints.
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- Chair
- Patricia Kelley
- Supervisory Committee Secretary
- Pauline Peterkin
- Supervisory Committee Member
- Mary McLymore
- Supervisory Committee Member
- Gail Pendleton
- Supervisory Committee Member
JOIN A COMMITTEE
We have other committees that are not listed. If you are interested in joining a credit union committee, please call Miriam Fernandez at 845-371-5804 x 223 or email her at: This email address is being protected from spambots. You need JavaScript enabled to view it..
MANAGEMENT
- Miriam Fernandez
- CEO
- Sophia Thomas
- CFO
The Credit Union Difference
Credit Unions
Not for profit
Owned by Credit Union Members
One member, one vote
Affordable fees
Small loans available
Easy to obtain loans
No account too small
Friendly, caring
For profit
Customers
Shareholders vote their shares, Customers don't
Excessive fees
Only larger loans available
Strict loan requirements
Minimum account balance
It's all business
Credit unions’ core values and structure are very different from those of banks. As a member, you’re not just a customer; you are an owner, with a say in the future course of the credit union. Plus, credit unions’ not-for-profit status means that all earnings are returned to the members in the form of great rates and low fees. Banks, on the other hand, exist to make a profit for shareholders, so their definition of success is different, “it is bottom line driven”.
Credit unions also give members the chance to get involved. The board of directors is made up entirely of volunteers, as is the supervisory committee (which audits the credit union’s books). As a volunteer, you can be a driving force in your credit union.
What is a Federal Credit Union?
A federal credit union is a cooperative financial institution chartered by the federal government and owned by its members. Federal credit unions offer members a safe place to save and borrow at reasonable rates. Surplus income is returned to members in the form of dividends and/or additional services.
What Services Do Credit Unions Offer?
While their values and structure are different from those of banks, credit union offers just as wide a range of services.
- Savings Accounts
- Checking Accounts—also called “Share Draft Accounts”—often with no service fees or minimum balances
- Mortgages and other loans with affordable rates
- Payroll Deduction / Direct Deposit
- Credit and debit cards
- ATMs
- IRAs
- Insurance Plans
- Financial Planning
- CDs (called “share certificates” in credit unions)
- Overdraft Protection
- And more…
Frequently Asked Questions (FAQs)
To assist you, we have compiled a short list of the most frequently asked questions and answers.
Debit Card Questions
Credit Card Questions
ATM Card Questions
Loan Questions
Member Service Questions
Zelle Questions
Since money is sent directly from your bank account to another person's bank account within minutes1, it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number.
- To get started, log into Rockland Employees Federal Credit Union's online banking or mobile app, navigate to Bill Pay and select "Send Money with Zelle®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle.
- To send money using Zelle, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes1.
- To request money using Zelle, choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request"3.
- To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.
If you have not yet enrolled with Zelle, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select Rockland Employees Federal Credit Union.
- Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile number where you received the notification to ensure you receive your money.
Since money is sent directly from your bank account to another person's bank account within minutes1, Zelle should only be used to send money to friends, family and others you trust.
Neither Rockland Employees Federal Credit Union nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.
To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.
When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its "directory" and notifies Rockland Employees Federal Credit Union of the incoming payment. Rockland Employees Federal Credit Union then directs the payment into your bank account, all while keeping your sensitive account details private.
If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren't able to get your money back, please call member services at 833-414-0534 so we can help you.
Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Rockland Employees Federal Credit Union but are a separate service from Zelle and can take 1 – 3 business days to process.
You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
If you send money to someone who isn't enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will be available in your recipient's account, typically within minutes1.
If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number.
If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.
Still having trouble? Please contact member services at 833-414-0534.
These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Rockland Employees Federal Credit Union nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our member support team at 833-414-0534 and ask them to move your email address or U.S. mobile phone number to Rockland Employees Federal Credit Union so you can use it for Zelle.
Once member support moves your email address or U.S. mobile phone number, it will be connected to your Rockland Employees Federal Credit Union account so you can start sending and receiving money with Zelle through the Rockland Employees Federal Credit Union mobile banking app and online banking. Please call Rockland Employees Federal Credit Union's member support toll-free at 833-414-0534 for help.
More Questions? Contact us.
Membership
How to Join?
To become a member, all you need is:
- $25 deposit (individual account)
- $50 deposit (joint account)
- Two forms of ID (one with picture)
- Proof of Employment (Paystub or Job ID)
Who Can Join?*
Employees of any of our Selected Employee Groups below (SEG), their spouses, parents, children, siblings, grandparents, grandchildren, and household members, (living as single economic unit) can be members. Once you become a member, you remain a member, no matter where you may later live or work, as long as your account is not closed.
Select Employee Groups
State
- Employees of the State of New York who work at:
- Rockland State Hospital in Orangeburg, NY
- Cook Chill
- Rockland Hospital Guild
- Nathan Kline Institute
- Rockland Children’s Psychiatric Hospital in Orangeburg, NY
- Hudson Valley Developmental Disabilities Service Office, Thiells, NY
- Helen Hayes Hospital in West Haverstraw, New York
- Employees Westchester Developmental Disabilities Service Office who work in or are paid from Tarrytown, NY
- Rockland State Hospital in Orangeburg, NY
- New York State Thruway Authority, Albany, NY
County
- Employees of Rockland County who work in or are paid from New City, NY
- Employees of Rockland Community College who work in Suffern, NY
Towns
- Employees and elected officials of the Town of Orangetown
- Employees of the Town of Haverstraw, NY
- Employees of the Town of Stony Point who work in, or are paid or supervised from Stony Point, NY
- Town of Clarkstown, New City, NY
- Town of Ramapo, Suffern, NY
Villages
- Employees of the Village of Nyack Housing Authority who work in Nyack, NY
- Employees of the Village of South Nyack who work in South Nyack, NY
- Employees of the Village of Spring Valley, NY who work in, or are paid or supervised from Spring Valley, NY
- Employees of the Village of Haverstraw, NY
- Employees and elected officials of the Village of Piermont, NY
School District
- East Ramapo Central School District, Spring Valley, NY
- Employees of Chestnut Ridge Middle School
- Employees of the Early Childhood Center
- Employees of the Eldorado Elementary School
- Employees of the Elmwood Elementary School
- Employees of the Fleetwood Elementary School
- Employees of the Grandview Elementary School
- Employees of the Hempstead Elementary School
- Employees of the Kakiat STEAM Academy
- Employees of the Lime Kiln Elementary School
- Employees of the Pomona Middle School
- Employees of the Ramapo High School
- Employees of the Spring Valley High School
- Employees of the Summit Park Elementary School
- Nanuet Union Free School District, Nanuet, NY
- W. Miller Elementary School
- Highview Elementary School
- 5-6 Academy for Excellence
- Mcarthur Barr Middle School
- Nanuet Senior High School
- Employees of Rockland Boces who work in West Nyack, NY
Affiliation Or Service Organization
- Employees of the Mental Health Association of Rockland County, Inc. who work in Valley Cottage
- Employees of the Empowerment Center who work in Orangeburg, NY
- Members of the Tappan Zee Square Club/Brothers on the Level, in New City, NY
- West Street Child Care Learning Center, Inc. in Spring Valley, NY
- RPEA (Retired Public Employees Association), Albany, NY
- Headstart of Rockland, NY
- Employees of Venture Together who work in or are paid or supervised from Nanuet, NY
- Employees of Broadacres Golf Club who work in Orangeburg, NY
- Employees of Interaction Child Care who work in New City, NY
- Members of the New York Letter Carriers, Branch 36 located in New York, New York
- Employees of the United States Postal Service who work in or are paid or supervised from Westchester, Putnum, Dutchess, Rockland, or Orange Counties, New York
Religious Organizations
- Employees and members of St. Mary’s Malankara Syrian Orthodox Church of Rockland in West Nyack, NY
- Members of the Fairmount Baptist Church located in Haverstraw, NY
- Employees of the Seventh Day Sabbath Church of God in Spring Valley, NY
- Members of All Souls Episcopal Church in New York, New York
- Members of French Speaking Baptist Church of Spring Valley in Spring Valley, NY
Library
- Employees of Finkelstein Memorial Library, Spring Valley, NY
Private Businesses
- Elite Culinary Services, West Haverstraw, NY
- Employees of The Jan & Niles Davies Learning Center who work in West Haverstraw, NY
- Employees of Constant Building Service, Inc. who work in Pearl River, NY
- Instrumentation Labs, Orangeburg, NY
- Pine Valley Rehabilitation Center, Inc. Spring Valley, NY
- Innovative Plastics, Orangeburg, NY
- Employees of Chestnut Ridge Transportation who work in or are headquartered in Spring Valley, NY
- Employees who work at Spring Valley Drug in Spring Valley, NY
- Employees who work in Guadalajara Restaurant in Spring Valley, NY
- Employees of Eyeglasses for Less who work in or are paid from Spring Valley, NY
- Employees of Tua Cocina who work in Blauvelt, New York
- Employees of Sophie's Health Care Services, Inc. who work in Suffern, NY
- Employees of Quick Move and Packing Service who work in Harrison, New York
*Also included are spouses of persons who died while within the field of membership of this credit union, employees of this credit union, persons retired as pensioners or annuitants from the above employment, members of their immediate family or household, organizations of such persons, and corporate or other legal entities in this charter.
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About Rockland Employees Federal Credit Union
Mission Statement
“Rockland Employees Federal Credit Union is committed to providing the best possible financial services, value and financial education to its diverse membership.”
WHERE IT BEGAN
Rockland Employees Federal Credit Union (REFCU) is a not-for-profit financial institution, founded in 1962 by people just like you who believe in the values of the community and who believe in service to one another. We’ve been serving members ever since, growing into who we are today with the knowledge that strength in numbers brings opportunities and prosperity to all.
PROVIDING DEDICATED SERVICE
We work with many Select Employee Groups (SEG’s) in Rockland County which allow us the opportunity to provide credit union benefits to their employees. We have 3 branches: Spring Valley (Headquarters), Orangeburg (Rockland Psychiatric Center) and West Haverstraw (Helen Hayes Hospital).
PEOPLE HELPING PEOPLE
WE LISTEN, WE CARE, WE MAKE A DIFFERENCE…
We are committed to helping our members in any way we can by providing an ear to listen, advice to help them progress and creating the tools they need to become more financially stable. We strive to provide them with the latest product innovation, flexible services and the promise of dedication.
PRIVACY
REFCU is a self-governing entity entirely separate from its sponsors. Member transactions are strictly confidential. Privacy Policy
SECURITY
Your account is fully insured up to $250,000 by the NCUA, a Federal Government Agency.
Learn more about how your account is insured.
CONTINUATION OF MEMBERSHIP
Your membership continues even if you change jobs, relocate or retire. Our philosophy is “Once a Member, Always a Member as long as you don’t close your account."