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      <image:title>IRA</image:title>
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    <lastmod>2022-01-07</lastmod>
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      <image:title>Sidekick Share Account</image:title>
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      <image:title>Share Certificates</image:title>
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    <lastmod>2022-03-25</lastmod>
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      <image:title>Share Draft</image:title>
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      <image:title>Membership Services</image:title>
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      <image:title>Auto Loan - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Personal Loan</image:title>
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    <lastmod>2022-02-10</lastmod>
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      <image:title>Recreational Loan</image:title>
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      <image:title>Equipment Loan</image:title>
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    <lastmod>2025-03-13</lastmod>
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      <image:title>Student Loan - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.stlawrfcu.com/pledged-loan</loc>
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    <lastmod>2026-03-17</lastmod>
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      <image:title>Pledged Loan</image:title>
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    <lastmod>2023-10-11</lastmod>
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      <image:title>General Information</image:title>
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    <priority>0.75</priority>
    <lastmod>2026-03-12</lastmod>
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      <image:title>Mortgage Loan Officer</image:title>
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    <priority>0.75</priority>
    <lastmod>2026-04-02</lastmod>
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      <image:title>Purchase-Refinance</image:title>
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    <lastmod>2021-12-13</lastmod>
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      <image:title>Construction</image:title>
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    <lastmod>2021-12-13</lastmod>
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      <image:title>HELOC</image:title>
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    <lastmod>2021-12-13</lastmod>
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      <image:title>Home Insurance</image:title>
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    <lastmod>2022-01-07</lastmod>
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      <image:title>Telephone Inquiries</image:title>
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    <lastmod>2025-03-26</lastmod>
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      <image:title>Locations/Hours/ATMs</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/649f7106-2983-4e04-a1b4-3a5dfc2097eb/Screen+Shot+2022-01-04+at+5.38.48+PM.png</image:loc>
      <image:title>Locations/Hours/ATMs - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/849b79a4-435c-454d-9aef-d77ef2687b08/Screen+Shot+2022-01-04+at+5.39.09+PM.png</image:loc>
      <image:title>Locations/Hours/ATMs - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/2a37c339-0469-467e-bf2d-600522380760/Screen+Shot+2022-01-04+at+5.39.39+PM.png</image:loc>
      <image:title>Locations/Hours/ATMs - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/ec2af07e-c2e3-4d4c-b866-35872cf59876/Screen+Shot+2022-01-04+at+5.40.05+PM.png</image:loc>
      <image:title>Locations/Hours/ATMs - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/d90c3d90-05b7-452d-a9b1-0702e981a99b/Screen+Shot+2022-01-04+at+5.39.25+PM.png</image:loc>
      <image:title>Locations/Hours/ATMs - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/30ed62eb-c8f2-4d16-861d-51b74c3e36ad/Hermon+Branch+Picture.jpg</image:loc>
      <image:title>Locations/Hours/ATMs - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stlawrfcu.com/contact-us</loc>
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    <lastmod>2025-09-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1630524015358-T7CBRLDG1W29SZI2BU23/shutterstock_779340802.jpg</image:loc>
      <image:title>Contact Us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/58b170a6-2eb2-44a2-b5b0-a076f69151de/Screen%2BShot%2B2022-01-04%2Bat%2B5.38.48%2BPM.png</image:loc>
      <image:title>Contact Us - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/ce29c2e2-2a46-4b3b-b332-a0bde88de572/State+Street+Office</image:loc>
      <image:title>Contact Us - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/12388e8d-153c-4669-9d8b-08ac3b71a49c/Screen%2BShot%2B2022-01-04%2Bat%2B5.39.39%2BPM.png</image:loc>
      <image:title>Contact Us - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Contact Us - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/2f75567f-2ac5-4ccf-89fc-108e57f445e0/Screen%2BShot%2B2022-01-04%2Bat%2B5.39.25%2BPM.png</image:loc>
      <image:title>Contact Us - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/30ed62eb-c8f2-4d16-861d-51b74c3e36ad/Hermon+Branch+Picture.jpg</image:loc>
      <image:title>Contact Us - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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    <loc>https://www.stlawrfcu.com/fee-schedule</loc>
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    <priority>0.75</priority>
    <lastmod>2024-08-06</lastmod>
    <image:image>
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      <image:title>Fee Schedule</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stlawrfcu.com/board</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1630683235338-L8EILIU8FDL4J7IFAWO4/AdobeStock_132498822.jpeg</image:loc>
      <image:title>Board</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stlawrfcu.com/supervisory</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-08-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1630683515302-NVMWIFWZ6MMZ6H38EAMX/AdobeStock_233525180.jpeg</image:loc>
      <image:title>Supervisory</image:title>
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  </url>
  <url>
    <loc>https://www.stlawrfcu.com/mission</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-08-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1630523947421-GROSR9FG0NSSSSXJWF29/shutterstock_1560282341.jpg</image:loc>
      <image:title>Mission</image:title>
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  <url>
    <loc>https://www.stlawrfcu.com/history</loc>
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    <lastmod>2023-09-08</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1630523900593-OX209P98LT4N1DAD91X5/shutterstock_751162489.jpg</image:loc>
      <image:title>History</image:title>
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  </url>
  <url>
    <loc>https://www.stlawrfcu.com/disaster-recovery</loc>
    <changefreq>daily</changefreq>
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    <lastmod>2022-01-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1630523853776-GIT11U09X3SOV6XUEG7L/shutterstock_1285108255.jpg</image:loc>
      <image:title>Disaster Recovery</image:title>
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  </url>
  <url>
    <loc>https://www.stlawrfcu.com/employment</loc>
    <changefreq>daily</changefreq>
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    <lastmod>2026-02-26</lastmod>
    <image:image>
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      <image:title>Employment</image:title>
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  </url>
  <url>
    <loc>https://www.stlawrfcu.com/privacy-security</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-01-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1630534510159-0OJMX66Z5WWABNQ60E2G/AdobeStock_327425317.jpeg</image:loc>
      <image:title>Privacy &amp; Security</image:title>
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  </url>
  <url>
    <loc>https://www.stlawrfcu.com/accessibility</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-11-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1630534402559-74MPD40LHSU8A86A73FI/AdobeStock_225282195.jpeg</image:loc>
      <image:title>Accessibility</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stlawrfcu.com/membership</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-12-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1639085931320-LAQB9EOZDDMAQW8MTKEN/AdobeStock_84483516.jpeg</image:loc>
      <image:title>Membership</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stlawrfcu.com/about</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-03-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1630534283952-AOEH7JCSXNUSYIBQCOYU/shutterstock_779336395.jpg</image:loc>
      <image:title>About</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stlawrfcu.com/accounts-services-1</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1630682718145-FNUTJY87Z44UAUCW7331/AdobeStock_421576653.jpeg</image:loc>
      <image:title>Accounts &amp; Services</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stlawrfcu.com/loan-services</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-01-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1639434033272-T873N3Y358N1RY2HMPJ2/AdobeStock_186821997.jpeg</image:loc>
      <image:title>Loans</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stlawrfcu.com/loan-rates</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1630533888188-YOPXOUZHQIQCL9OGZTC2/AdobeStock_103515166.jpeg</image:loc>
      <image:title>Loan Rates</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stlawrfcu.com/deposit-rates</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1630533942184-H4SKNPZR0CXIW642FSKO/AdobeStock_191729577.jpeg</image:loc>
      <image:title>Deposit Rates</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stlawrfcu.com/rates-fees</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-01-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1630534152818-WEBJAREZLY6VH38UM9G1/AdobeStock_227341904.jpeg</image:loc>
      <image:title>Rates &amp; Fees</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stlawrfcu.com/mortgage-services</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1630530039689-9SH01XME6ZMK66LK83U1/AdobeStock_114647181.jpeg</image:loc>
      <image:title>Mortgages</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stlawrfcu.com/business-loans</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1639438331517-R1AAE090VDH241XWWS89/AdobeStock_232955923.jpeg</image:loc>
      <image:title>Business Loans</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stlawrfcu.com/loans-digital</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-01-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1639434033272-T873N3Y358N1RY2HMPJ2/AdobeStock_186821997.jpeg</image:loc>
      <image:title>Loans Digital</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stlawrfcu.com/calculators</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-01-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1640034270829-XTB6XPJUHUM1D25A4RPT/AdobeStock_105059077.jpeg</image:loc>
      <image:title>Calculators</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stlawrfcu.com/community-outreach</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1641323870872-9W6VOX4CE8QKK29SWNAR/7-76608_synthwave-windows-10-theme.png</image:loc>
      <image:title>Community Outreach</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/a30e2966-a41e-41b2-941d-4bc9188bd07f/St.+Lawrence+Power+Equipment+Museum+-+Fort+Tribute.jpg</image:loc>
      <image:title>Community Outreach - St. Lawrence Power and Equipment Museum - Fort Tribute</image:title>
      <image:caption>St. Lawrence FCU donated to the St. Lawrence Power and Equipment Museum Fort Tribute. Pictured is St. Lawrence FCU President &amp; CEO Amber Taylor and Fort Tribute Coordinator Scott Wilson.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/748350d1-47a0-468f-babf-269c40e848f7/St.+Lawrence+Health+Foundation.jpg</image:loc>
      <image:title>Community Outreach - St. Lawrence Health Foundation</image:title>
      <image:caption>St. Lawrence Federal Credit Union proudly presented a $10,000 donation to the St. Lawrence Health Foundation as part of our $50,000, five-year pledge, including sponsorship of the Visitor Lounge to support the care and comfort of patients, families, and our greater community. St. Lawrence FCU remains deeply committed to strengthening the communities we serve, recognizing that access to compassionate, high-quality healthcare is essential to the well-being of our members and neighbors. Pictured from left to right: St. Lawrence Health President Donna McGregor; St. Lawrence FCU Board Director John (Dick) Durkin; St. Lawrence FCU President &amp; CEO Amber Taylor; St. Lawrence FCU VP of Operations Michelle Carkner; St. Lawrence FCU VP of Lending Ashlee Crosby; and St. Lawrence FCU Vice Chairman of the Board Dale Coats.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/7d018f61-476e-4ba3-bffc-dba6dcd723db/Heuvelton+Historical+Association.jpg</image:loc>
      <image:title>Community Outreach - Heuvelton Historical Association</image:title>
      <image:caption>St. Lawrence FCU made a donation to the Heuvelton Historical Association. Pictured is President of the Heuvelton Historical Association David Kingsley and St. Lawrence FCU USR Cassy Page.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/3b8eba10-00ea-496a-9eba-157ee5052ea9/Norwood-Norfolk+Hockey+Association.jpg</image:loc>
      <image:title>Community Outreach - Norwood-Norfolk Youth Hockey Association</image:title>
      <image:caption>St. Lawrence FCU made a donation to the 10U Norwood-Norfolk Youth Hockey program in support of their season. Pictured left to right is Coach John Hammill, players; Aiden, Eliza, and Ava, and SLFCU Member Solutions Manager Becky Bush.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/350152f1-385f-4d57-bf25-8e38a15868f2/Hammond+Scottish+Festival.jpeg</image:loc>
      <image:title>Community Outreach - Hammond Scottish Festival</image:title>
      <image:caption>St. Lawrence FCU made a donation to the Hammond Scottish Festival taking place this summer, July 11, 2026 at the Hammond Historical Museum. Pictured left to right, Amber Taylor, Karlyen Manke, and Emily Cunningham.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/02a8a940-6e38-49c6-84f9-b2ffb0539973/Ogdensburg+Boys+%26+Girls+Club.jpeg</image:loc>
      <image:title>Community Outreach - Ogdensburg Boys &amp; Girls Club</image:title>
      <image:caption>St. Lawrence FCU rounded out 2025 with a $10,000 to The Ogdensburg BGC! We are proud to support an organization that does so much for the children in our communities.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/0344765b-11c8-4ca7-b94a-d68f3c56340a/Watertown+Urban+Mission.jpg</image:loc>
      <image:title>Community Outreach - Watertown Urban Mission Food Pantry</image:title>
      <image:caption>St. Lawrence Federal Credit Union recently provided support to multiple food pantries throughout the North Country, specifically benefiting organizations in St. Lawrence, Franklin, and Jefferson Counties.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/65f5dae7-6077-4b63-92c7-2ba3ed6b6084/Pierrepont.jpg</image:loc>
      <image:title>Community Outreach - Pierrepont Neighborhood Center</image:title>
      <image:caption>St. Lawrence Federal Credit Union recently provided support to multiple food pantries throughout the North Country, specifically benefiting organizations in St. Lawrence, Franklin, and Jefferson Counties.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/a3a9f8fe-59be-4a30-8db1-1a920fdd0db6/Massena.jpg</image:loc>
      <image:title>Community Outreach - Massena Neighborhood Center</image:title>
      <image:caption>St. Lawrence Federal Credit Union recently provided support to multiple food pantries throughout the North Country, specifically benefiting organizations in St. Lawrence, Franklin, and Jefferson Counties.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/cc631612-1521-4e61-852b-c64a22a44fca/Malone.jpg</image:loc>
      <image:title>Community Outreach - Malone Food Pantry</image:title>
      <image:caption>St. Lawrence Federal Credit Union recently provided support to multiple food pantries throughout the North Country, specifically benefiting organizations in St. Lawrence, Franklin, and Jefferson Counties.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/2f4016b5-fc45-4625-8904-0e4e876b4bf7/Hopkinton+Food+Pantry.png</image:loc>
      <image:title>Community Outreach - Hopkinton Food Pantry</image:title>
      <image:caption>St. Lawrence Federal Credit Union recently provided support to multiple food pantries throughout the North Country, specifically benefiting organizations in St. Lawrence, Franklin, and Jefferson Counties.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/e9517e61-7ed6-4257-9efb-7ade6babec5b/Hammond.jpg</image:loc>
      <image:title>Community Outreach - Hammond Food Pantry</image:title>
      <image:caption>St. Lawrence Federal Credit Union recently provided support to multiple food pantries throughout the North Country, specifically benefiting organizations in St. Lawrence, Franklin, and Jefferson Counties.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/43cbd717-2803-43a2-9784-7bcf7ce552f9/Gouverneur.jpg</image:loc>
      <image:title>Community Outreach - Gouverneur Food Pantry</image:title>
      <image:caption>St. Lawrence Federal Credit Union recently provided support to multiple food pantries throughout the North Country, specifically benefiting organizations in St. Lawrence, Franklin, and Jefferson Counties.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/ddd5bfa9-4229-4baf-a2c7-d66c64473702/Chaumont+-+Lyme.jpg</image:loc>
      <image:title>Community Outreach - Lyme Food Pantry</image:title>
      <image:caption>St. Lawrence Federal Credit Union recently provided support to multiple food pantries throughout the North Country, specifically benefiting organizations in St. Lawrence, Franklin, and Jefferson Counties. The Lyme Food Pantry is located in Chaumont, NY.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/f6b8ab1f-9c94-44a0-8fbc-bd4186517642/Chateaugay.jpg</image:loc>
      <image:title>Community Outreach - Chateaugay Food Pantry</image:title>
      <image:caption>St. Lawrence Federal Credit Union recently provided support to multiple food pantries throughout the North Country, specifically benefiting organizations in St. Lawrence, Franklin, and Jefferson Counties.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/cb93a09f-bd10-47d0-8737-79eab47c815d/Canton.jpg</image:loc>
      <image:title>Community Outreach - Canton Food Pantry</image:title>
      <image:caption>St. Lawrence Federal Credit Union recently provided support to multiple food pantries throughout the North Country, specifically benefiting organizations in St. Lawrence, Franklin, and Jefferson Counties.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/411163b9-1260-4d82-81f3-851e2b24151b/Brushton+Moira.jpg</image:loc>
      <image:title>Community Outreach - Brushton-Moira Food Pantry</image:title>
      <image:caption>St. Lawrence Federal Credit Union recently provided support to multiple food pantries throughout the North Country, specifically benefiting organizations in St. Lawrence, Franklin, and Jefferson Counties.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/3dc9ab97-6075-4920-b7ba-4fe5cc3ff4e9/Alex+Bay.jpg</image:loc>
      <image:title>Community Outreach - Alexandria Bay Community Food Pantry</image:title>
      <image:caption>St. Lawrence Federal Credit Union provided support to multiple food pantries throughout the North Country, specifically benefiting organizations in St. Lawrence, Franklin, and Jefferson Counties.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/81d1ddae-e8ac-49e1-b186-a1a54eaef210/Starbuck.jpg</image:loc>
      <image:title>Community Outreach - Starbuck Elementary School</image:title>
      <image:caption>St. Lawrence FCU is profoundly grateful for the opportunity to support our local schools by providing warm clothing to children in need.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/7853f0ca-ca4c-4572-91f9-85355d42b9d5/Madill.jpg</image:loc>
      <image:title>Community Outreach - Madill Elementary School</image:title>
      <image:caption>St. Lawrence FCU is profoundly grateful for the opportunity to support our local schools by providing warm clothing to children in need.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/80edc7de-37ae-4620-9f4c-96d1bcccde55/Norwood+Norfolk.jpg</image:loc>
      <image:title>Community Outreach - Norwood-Norfolk Central School</image:title>
      <image:caption>St. Lawrence FCU is profoundly grateful for the opportunity to support our local schools by providing warm clothing to children in need.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1abc6d6a-8f17-4b21-b74e-fe405e9db0e9/Morristown.jpg</image:loc>
      <image:title>Community Outreach - Morristown Central School</image:title>
      <image:caption>St. Lawrence FCU is profoundly grateful for the opportunity to support our local schools by providing warm clothing to children in need.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/89235c9e-3a3e-43f0-b763-a2dc962d05bc/JFK.jpg</image:loc>
      <image:title>Community Outreach - JFK Elementary School</image:title>
      <image:caption>St. Lawrence FCU is profoundly grateful for the opportunity to support our local schools by providing warm clothing to children in need.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1e57b4ad-5058-4c23-8149-b6a56de59da7/Chateaugay.jpeg</image:loc>
      <image:title>Community Outreach - Chateaugay Central School</image:title>
      <image:caption>St. Lawrence FCU is profoundly grateful for the opportunity to support our local schools by providing warm clothing to children in need.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1194ab25-6983-421f-b08d-8ef416a3b699/Ogd+Boys+%26+Girls+Club.jpg</image:loc>
      <image:title>Community Outreach - Ogdensburg Boys &amp; Girls Club</image:title>
      <image:caption>St. Lawrence FCU is profoundly grateful for the opportunity to support our local schools by providing warm clothing to children in need.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/f95e9425-399c-4b95-b564-f24c84642bdc/Knights+of+Colombus.jpeg</image:loc>
      <image:title>Community Outreach - Ogdensburg Knights of Columbus</image:title>
      <image:caption>St. Lawrence FCU made a donation to the Ogdensburg Knights of Columbus for their annual free community Thanksgiving Dinner! Pictured from left to right is Dale Coats, Vice Chairman, Pat Murphy, Grand Knight, and Emily Cunningham, VP of Finance.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/c74e1942-14c4-4e94-ae28-bdd18c3e94ba/Ogdensbug+Minor+Hockey+Association.jpeg</image:loc>
      <image:title>Community Outreach - Ogdensburg Minor Hockey Association</image:title>
      <image:caption>St. Lawrence FCU donated to the Ogdensburg Minor Hockey Association. Pictured from the credit union is Kody Burwell and Aidan Demers.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1bbe4877-dda4-456f-8b91-2fb44ad0e58d/Ogdensburg+Neighborhood+Center.jpg</image:loc>
      <image:title>Community Outreach - Ogdensburg Neighborhood Center</image:title>
      <image:caption>We are proud to announce that St. Lawrence Federal Credit Union has secured a $50,000 Small Business Recovery Grant from the Federal Home Loan Bank of New York. Thanks to this vital funding, we are already making a tangible difference in our community by supporting fantastic local organizations. Together, we're building a stronger future for the North Country! Pictured from SLFCU is Missy Mallette and Jennifer Kennedy.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/f774be3e-6b20-4f6e-8e48-632f27c22f7d/Hammond+Library.jpg</image:loc>
      <image:title>Community Outreach - Hammond Library</image:title>
      <image:caption>We are proud to announce that St. Lawrence Federal Credit Union has secured a $50,000 Small Business Recovery Grant from the Federal Home Loan Bank of New York. Thanks to this vital funding, we are already making a tangible difference in our community by supporting fantastic local organizations. Together, we're building a stronger future for the North Country! Pictured from SLFCU is Jennifer Kennedy.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/3cabecb1-d34f-41ad-9547-a974efdeb30f/Knot+Works.jpg</image:loc>
      <image:title>Community Outreach - Knot Works</image:title>
      <image:caption>We are proud to announce that St. Lawrence Federal Credit Union has secured a $50,000 Small Business Recovery Grant from the Federal Home Loan Bank of New York. Thanks to this vital funding, we are already making a tangible difference in our community by supporting fantastic local organizations. Together, we're building a stronger future for the North Country! Pictured from SLFCU is Jennifer Kennedy and Ashlee Crosby.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/3a806ab5-3d8b-4ba6-a2f0-46fc26452aeb/Morristown+Public+Library.jpg</image:loc>
      <image:title>Community Outreach - Morristown Public Library</image:title>
      <image:caption>We are proud to announce that St. Lawrence Federal Credit Union has secured a $50,000 Small Business Recovery Grant from the Federal Home Loan Bank of New York. Thanks to this vital funding, we are already making a tangible difference in our community by supporting fantastic local organizations. Together, we're building a stronger future for the North Country! Pictured from SLFCU is Jennifer Kennedy.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/5bb477e4-8ba4-4b03-98af-2c821e2706b1/Potsdam+Humane+Society.jpg</image:loc>
      <image:title>Community Outreach - Potsdam Humane Society</image:title>
      <image:caption>We are proud to announce that St. Lawrence Federal Credit Union has secured a $50,000 Small Business Recovery Grant from the Federal Home Loan Bank of New York. Thanks to this vital funding, we are already making a tangible difference in our community by supporting fantastic local organizations. Together, we're building a stronger future for the North Country! Pictured from SLFCU is Jennifer Kennedy and Ashlee Crosby.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/d6eee781-128d-43b5-a4e2-f375bc74e8c9/Ogdensburg+Lions+Club.jpg</image:loc>
      <image:title>Community Outreach - Ogdensburg Lions Club</image:title>
      <image:caption>St. Lawrence FCU made a donation to The Ogdensburg Lions Club raffle! Pictured from left to right is Kim Demers and Amber Taylor.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/affed195-0f6f-47ad-a038-89aeac899bb6/Ogdensburg+Elks+Lodge.jpeg</image:loc>
      <image:title>Community Outreach - Ogdensburg Elks Lodge #772</image:title>
      <image:caption>St. Lawrence FCU donated to the Ogdensburg Elks Lodge to help with the purchase of a Zoll AED 3. Pictured from left to right; Leo Limoges, Emily Cunningham, Rick Powell Jr., Paul Bezio, and Molly Tishberg.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/afa2427b-7623-48fa-981b-8cbec379bc4c/Hermon+Dekalb+-+School+Supply+Donation.jpeg</image:loc>
      <image:title>Community Outreach - Hermon-Dekalb Central School</image:title>
      <image:caption>St. Lawrence FCU partnered with ABC50 for the Pack the Backpack Program, collecting school supply donations at all of our branches. Thanks to your incredible generosity, we were able to fill lots of backpacks. With the extra supplies and backpacks, we made a donation to Hermon-DeKalb Central School! None of this would’ve been possible without you, our amazing members. Thank you to everyone who helped make a difference by dropping off donations at our branches! Pictured is Mrs. Maggie Munger, Assistant Principal, and RJ Durham, SLFCU Facilities Coordinator.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/bccfbb02-e873-46c9-a35f-a4891cea3447/Fall+Festival.jpg</image:loc>
      <image:title>Community Outreach - Ogdensburg Fall Festival</image:title>
      <image:caption>St. Lawrence FCU made a donation for the Fall Festival, hosted by the City of Ogdensburg, NY in conjunction with the Ogdensburg International Seaway Festival Special Events Committee! Pictured from left to right; Aidan Demers, Chris Lalone, and Kody Burwell.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/48c79a1d-bffa-4fbb-8890-199aff0f27eb/Group+photo.jpg</image:loc>
      <image:title>Community Outreach - Victims Assistance Center</image:title>
      <image:caption>St. Lawrence FCU made a donation to the Victims Assistance Center of Jefferson County, Inc.. We also participated as a sponsored checkpoint in the Light Up the Night Against Child Abuse Fun Run/Walk hosted at JCC. The run/walk benefitted The Child Advocacy Center of NNY, a program of the Victims Assistance Center. Pictured from SLFCU is Brandi Stark, Operations Lead, and Erica Sloan, Marketing Officer. Accepting the donation is Kristin Proven, Development Director.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/c3262af3-964a-4d0d-a140-d4fc3607d545/Ogdensburg+Pee+Wee+Football+Association.jpg</image:loc>
      <image:title>Community Outreach - Ogdensburg Pee Wee Football Association</image:title>
      <image:caption>St. Lawrence FCU made a donation to the Ogdensburg Pee Wee Football Association for their upcoming season! Pictured with the players is Michelle Carkner, VP of Operations at SLFCU, and Greg Denny, the President of the Ogdensburg Pee Wee Football Association!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/4cbbeaf0-81f6-48dd-a37f-339e62b18b53/Canton+Varsity+Football.jpeg</image:loc>
      <image:title>Community Outreach - Canton Central Boys Varsity Football Team</image:title>
      <image:caption>St. Lawrence FCU donated to the Canton Central School Boys Varsity Football Team for their upcoming season! Pictured with Sheri Dawley is Head Coach, Ricco Dobbs, and players, Daniel O'Neill, Daniel Richardson, Murphy Burke, and Hayden Towle.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/3c0a3090-9015-4e65-9161-18004a8a073f/Heuvelton+Labor+Day.jpg</image:loc>
      <image:title>Community Outreach - Heuvelton Labor Day Committee</image:title>
      <image:caption>St. Lawrence FCU donated to the Heuvelton Labor Day Committee for their duck race! Pictured is Gary Duvall, Jenny Brooks, Jessica Gotham, and Jake Herzog.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/5d9f1178-cad5-44cc-b66e-580eaa657714/Skip+Starr+and+the+Renditions.jpg</image:loc>
      <image:title>Community Outreach - Skip Starr &amp; The Renditions</image:title>
      <image:caption>St. Lawrence FCU donated to Skip Starr and the Renditions. Presenting the check is Eric Mitchell, Hermon Branch Manager.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/cb289e31-6422-45dd-8125-529e62afff9f/YMCA+-+donation+photo.jpg</image:loc>
      <image:title>Community Outreach - Watertown Family YMCA</image:title>
      <image:caption>St. Lawrence Federal Credit Union is proud to announce a $6,750 donation to the Watertown Family YMCA to support advertising efforts within their facilities. Their facilities include the Carthage YMCA, Downtown YMCA Community Center, Fairgrounds YMCA, and the YMCA Daycare Center. From left to right: April Young (Watertown Family YMCA, Senior Director) and Erica Sloan (SLFCU, Marketing Officer).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/a8ab43a1-c51a-4bda-a58e-9848ba4563f3/Rensselaer+Falls+Library.jpg</image:loc>
      <image:title>Community Outreach - Rensselaer Falls Library Association</image:title>
      <image:caption>St. Lawrence FCU donated to the Rensselaer Falls Library Association for their renovation project. Pictured is Sheri Dawley and Shelly Sanderson.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/5204eb71-5c49-4ed4-bf93-7c702e6f81c5/St.+Lawrence+County+Historical+Association.jpg</image:loc>
      <image:title>Community Outreach - St. Lawrence County Center for History &amp; Culture</image:title>
      <image:caption>St. Lawrence FCU donated to the St. Lawrence County Center for History &amp; Culture. Pictured is April McBath and Megan Royce.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/ebbed422-ea1e-435f-a255-afba4b3f3390/Volunteer+Transportation+Center.jpg</image:loc>
      <image:title>Community Outreach - Volunteer Transportation Center, Inc.</image:title>
      <image:caption>St. Lawrence FCU donated to The Volunteer Transportation Center. They hosted their 10th annual golf tournament in July, 2025. Pictured is April Echols, Becky Bush, Jeremiah Papineau, and Cassy Page.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/bc0dc675-db75-4edb-b5c6-633ec93d7ac7/Fort+La+Presentation.jpg</image:loc>
      <image:title>Community Outreach - Fort La Presentation Association</image:title>
      <image:caption>St. Lawrence FCU donated to the Fort La Presentation Association for their Annual Le Siege French and Indian War and Living History Reenactment. Pictured from left to right; Kody Burwell, Barbara O'Keefe, and Cassy Page.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/3c70543c-7f0f-402a-a831-c903fd1e0c39/Morristown+Fire+Department.jpg</image:loc>
      <image:title>Community Outreach - Morristown Fire &amp; Rescue</image:title>
      <image:caption>St. Lawrence FCU donated to the Morristown Fire Department for their annual 4th of July celebration. Pictured is Fire Department Member, Jay, and April Echols, a teller at SLFCU.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/c9d45148-99b0-448e-9d6b-4c8d19986ac0/Ogdensburg+Seaway+Festival.jpg</image:loc>
      <image:title>Community Outreach - Ogdensburg International Seaway Festival</image:title>
      <image:caption>St. Lawrence FCU recently donated to the Ogdensburg Seaway Festival. Pictured from left to right; Erica Sloan, Becky Bush, Brandi Stark, Chris Lalone, Michelle Carkner, Nicole Whitney, and Kody Burwell.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/897086f9-eeef-4e96-805e-c043b616f51e/St.+Lawrence+Arts+Cuncil.jpg</image:loc>
      <image:title>Community Outreach - St. Lawrence Arts Council</image:title>
      <image:caption>St. Lawrence FCU donated $2,500 to the St. Lawrence Arts Council. Pictured is Erica Sloan, from SLFCU, and Erika, from the St. Lawrence Arts Council.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/51f4a351-373d-4808-8f3e-b870ba4f3ae8/Canton+VFW+Post+%231231.jpg</image:loc>
      <image:title>Community Outreach - Canton VFW Post #1231</image:title>
      <image:caption>St. Lawrence FCU sponsored a hole for the Canton VFW Post #1231 golf tournament. The tournament took place on June 14, 2025. Pictured from left to right is Brinley Frederick, Bill Recker, and Kody Burwell.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/92760a30-fb9d-4fbc-817a-51b39e151fa4/OGD+Kiwanis+Club.jpg</image:loc>
      <image:title>Community Outreach - Ogdensburg Kiwanis Club</image:title>
      <image:caption>St. Lawrence FCU donated funds for the installation of the new scoreboard at Montroy Park a part of the Ogdensburg Kiwanis Club T-Ball and coach pitch programs! The scoreboard will be used for Kiwanis baseball, softball, and soccer programs! Representing the credit union in the photo is; Emily Cunningham, Jeff Kelly, Amber Taylor, Drew Lowry, and Eric Mitchell.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/10940fbf-da2d-41ad-a5b7-09358084854f/Canton+College+Foundation.jpg</image:loc>
      <image:title>Community Outreach - Canton College Foundation</image:title>
      <image:caption>St. Lawrence FCU sponsored the SUNY Canton Athletics Annual Golf Tournament. The 24th annual Kangaroos Golf Classic took place on August 9, 2025 at the Partridge Run Golf and Country Club in Canton. Pictured on the left is Sheri Dawley, a teller at our Canton branch, and on the right, Erin Bechtel, the Athletic Secretary at SUNY Canton.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1dd5d3f3-0448-4a26-b0d8-47f444fcc8e7/AAU.jpg</image:loc>
      <image:title>Community Outreach - Ogdensburg Boys &amp; Girls AAU Program</image:title>
      <image:caption>St. Lawrence FCU donated to the Ogdensburg Boys &amp; Girls AAU Program. Representing the credit union is Drew Lowery.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/84fb5bcc-deea-4240-9225-62d3aeb9f30a/St.+Lawrence+Power+%26+Equip+Museum.jpg</image:loc>
      <image:title>Community Outreach - St. Lawrence Power&amp; Equipment Museum</image:title>
      <image:caption>St. Lawrence FCU donated to the St. Lawrence Power &amp; Equipment Museum for their Fort Tribute. Pictured is Amber Taylor, CEO of SLFCU, ad Scott Wilson.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/0969102d-53b7-4497-9e44-9ab54bcb9539/St.+Lawrence+Renegades+Hockey+Team.jpg</image:loc>
      <image:title>Community Outreach - St. Lawrence Renegades</image:title>
      <image:caption>St. Lawrence FCU proudly sponsored the St. Lawrence Renegades jerseys. Pictured with the team is Jake Herzog.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/ed5cfe1c-3863-4027-a810-d96359dba258/Norwood+Norfolk+Minor+Hockey+Association.jpg</image:loc>
      <image:title>Community Outreach - Norwood-Norfolk Minor Hockey Association</image:title>
      <image:caption>St. Lawrence FCU made a donation to the Norwood-Norfolk Minor Hockey Association. Pictured is Becky Bush from the credit union.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/5e20b477-48a4-4f09-ac4c-3a12aa38e35a/TAUNY.jpg</image:loc>
      <image:title>Community Outreach - TAUNY</image:title>
      <image:caption>St. Lawrence FCU made a $5,000 pledge to TAUNY. Pictured is Joshua Vink, and Sheri Dawley..</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/f365d524-ef62-4a25-94b9-afde9b11bf22/OBGD.jpg</image:loc>
      <image:title>Community Outreach - Ogdensburg Boys &amp; Girls Club</image:title>
      <image:caption>St. Lawrence FCU made a donation to the Ogdensburg Boys &amp; Girls Club. Pictured is Jake Herzog and Jeff Kelly from SLFCU, and Meg McNamara with some of the OBGC family!</image:caption>
    </image:image>
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      <image:title>Greenpath Financial Courses</image:title>
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      <image:title>Greenpath Credit Score Course</image:title>
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      <image:title>GreenPath Budgeting Basics Course</image:title>
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      <image:title>GreenPath Preparing to Buy Course</image:title>
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    <lastmod>2022-01-18</lastmod>
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      <image:title>GreenPath Auto Buying Process Course</image:title>
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      <image:title>Spare Change - Make it stand out</image:title>
      <image:caption>St. Lawrence Federal Credit Union Spare Change program</image:caption>
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      <image:title>Credit Card Form - backup</image:title>
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    <lastmod>2022-07-13</lastmod>
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      <image:title>Auto Loan Form - backup</image:title>
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    <loc>https://www.stlawrfcu.com/auto-loan-form</loc>
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    <lastmod>2023-02-21</lastmod>
    <image:image>
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      <image:title>Auto Loan Form - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.stlawrfcu.com/credit-card-form</loc>
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    <lastmod>2023-01-04</lastmod>
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    <loc>https://www.stlawrfcu.com/membership-form</loc>
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    <lastmod>2023-01-04</lastmod>
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  <url>
    <loc>https://www.stlawrfcu.com/merger-info</loc>
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    <priority>0.75</priority>
    <lastmod>2023-08-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1630683235338-L8EILIU8FDL4J7IFAWO4/AdobeStock_132498822.jpeg</image:loc>
      <image:title>Merger Info</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/c00dd20f-764f-44d8-955e-9007caaf61bc/IMG-1281.jpg</image:loc>
      <image:title>Merger Info - Embrace this opportunity to unite!</image:title>
      <image:caption>As one north country credit union, WE ARE STRONGER. Please do not forget to complete and mail your ballot. Exercise your right to vote! I am bringing attention to the announcement this week of Americu’s field of membership expansion into St. Lawrence County. Americu, a large credit union, $2.7 Billion in assets, will now be a direct competitor to St. Lawrence Federal Credit Union, $233 Million in assets. Every business in this world is getting larger. There are fewer and fewer small farms, small retail, small hospitals, etc. The credit union and banking industries are not immune to this. There will be approximately as few as 3,000 credit unions by 2030. There have been nearly 500 credit union mergers in the last three years and nearly 100 so far in 2023. The population and jobs of St. Lawrence County are decreasing, as evidenced by the U.S. Census. The only way for Americu to gain membership is to attract our and other credit union members away and they have the size and capability to do this. If you want a local, north country originated and headquartered credit union, I encourage you to vote yes. If we don’t merge, it is a matter of time, and a short period of time at that, before there will not be any small credit unions. If this merger is voted down, there will have to be changes to St. Lawrence FCU so we can try to survive in an environment that is completely different than what we all have been accustomed to in the north country. Current employees have a much better opportunity for financial and professional gain in a combined credit union. St. Lawrence FCU will be limited in its ability to grow. Increased membership is an absolute necessity to grow. With increased competition from larger credit unions, maintaining current membership will be very challenging. This will stifle employees’ opportunities and limit us in providing products and services to membership. The challenges a small credit union faces in today’s environment are enormous. There is increased competition, non-traditional financial providers (Chime, Ally, Rocket Mortgage, Quicken Loans), and regulatory pressures that smaller credit unions will suffer from. The opposition to this merger from some are for reasons that we all deal with today. It is very common to have to change account numbers, direct deposits, and electronic debits due to fraud and other factors. Most of us have had to get a new debit card which is a change of numbers and adjustments of information for vendors you do business with. Changing account numbers used to be something we never had to do but today, due to fraud threats, changing account numbers and other card numbers is actually a mechanism to help prevent fraud. We are aware of concerns of changing these numbers and we are and will be prepared to guide and assist you through this process.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/f1ce0cbd-fcbb-4f60-b2a7-9406ea4c9e3b/Screenshot+2023-05-26+140333.png</image:loc>
      <image:title>Merger Info - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/dc20a7f5-6e73-4907-a62a-3cdda97f211e/Town+Hall+Handout-+page+1.PNG</image:loc>
      <image:title>Merger Info - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/76ecd21f-1340-4283-a1b2-fea32979fb5d/Town+Hall+Handout-+page+2.PNG</image:loc>
      <image:title>Merger Info - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/cdcc435a-4247-4768-bde5-309ca005e295/faq1.PNG</image:loc>
      <image:title>Merger Info - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/5d73fa5d-11f9-4e5a-b0cc-8cf53174a7b6/4.3.2023.PNG</image:loc>
      <image:title>Merger Info - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/1cea7c1b-0e44-496d-a4d8-cbc51cf36388/Merger+Myths-+page+1.PNG</image:loc>
      <image:title>Merger Info - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/e487018d-098d-47be-bf65-bf6d5bb106f1/April+2023+Newsletter+Page+1.png</image:loc>
      <image:title>Merger Info - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/e132523f-1712-4b7c-9b88-98e37b3f4ca6/April+2023+Newsletter+Page+2.png</image:loc>
      <image:title>Merger Info - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/e55a4f5c-4456-4e17-8872-d1d73ad99a80/April+2023+Newsletter+Page+3.png</image:loc>
      <image:title>Merger Info - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61095f37179021791f6565e8/e621d286-bad1-48cf-bebf-56bf2cd7825e/April+2023+Newsletter+Page+4.png</image:loc>
      <image:title>Merger Info - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stlawrfcu.com/digital-services</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-02</lastmod>
    <image:image>
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      <image:title>Digital Services</image:title>
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  </url>
  <url>
    <loc>https://www.stlawrfcu.com/financial-hardship</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-15</lastmod>
    <image:image>
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      <image:title>Financial Assistance</image:title>
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  </url>
  <url>
    <loc>https://www.stlawrfcu.com/acquisition-info</loc>
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    <priority>0.75</priority>
    <lastmod>2026-03-20</lastmod>
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      <image:title>Acquisition Info</image:title>
    </image:image>
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