Established in 1970, Twin Rivers Federal Credit Union offers a variety products and services. The company provides home banking, Christmas savings accounts, share certificates and direct deposit. Based in Massena, N.Y., it also offers drive up window service, savings bonds, postage stamps and American Express travelers checks. Twin Rivers Federal Credit Union is a member of the National Credit Union Administration (NCUA) and is an Equal Housing Lender. In addition, the company provides online banking to its customers.