Originally organized to serve workers at Special Metals Corporation, a nickel-alloy manufacturer, this credit union is based in New Hartford, New York, near Utica. It has since opened membership to a broader community base, offering share accounts, vehicle loans, and mortgage lending while retaining strong ties to the local manufacturing workforce.

Special Metals Federal Credit Union grew out of the factory floors of a nickel-alloy manufacturer near Utica, New York, and still carries that same blue-collar, member-first attitude today. Whether you're a longtime manufacturing employee or a New Hartford neighbor, you'll find savings accounts, auto loans, and mortgages priced fairly and explained in plain language. It's the credit union equivalent of a trusted coworker. Sync your Special Metals FCU debit card use, deposits, or loan payments with Fluz, and you can start earning cashback rewards on the banking you were already doing anyway.