Beginnings Credit Union is a federally chartered credit union located in Ithaca, New York, serving the local community and surrounding region. The institution operates as a member-owned financial cooperative providing banking services to eligible members.

ESL Federal Credit Union is a credit union headquartered in Rochester, New York, serving members primarily in the upstate New York region. Founded to serve educators and school employees, ESL FCU has grown into a larger institution offering comprehensive financial services including savings, loans, and investment products. The credit union operates multiple branches throughout New York and maintains a strong presence in the Rochester area.