Download Our Member Kit It’s All About Our Members!We’re here to help our members with friendly service, helpful education, and great financial products. Remote BankingBanking on the go has never been easier at IRFCU. Our online banking platform and mobile app are free for members. These products allow members to check accounts, make transfers, apply for loans, remotely deposit checks and more! Mobile Banking Online Banking ATM LocationsWe have an ATM at our Main Branch at 199 North Main Street in Athens. You can also find our second ATM at Sopranos Italian Market located at 607 Cayuta Ave, Waverly NY 14892. Click the link below for surcharge-free ATM locations! ATM Locator Community Partners Animal Care Sanctuary employees and volunteersAthens Area School District students, employees, and board of directorsAthens Borough employees and elected or appointed officialsAthens Health and Rehabilitation CenterAthens Township employees and supervisorsAthens Township Planning and Park CommissionsAthens Township Sewer AuthorityAthens United Methodist Church membersAvery-Dennison Employees (formerly Paxar)BLAM Inc. (McDonalds)Bradford Recovery Center employeesBradford County Humane Society employees and volunteersCamco Manufacturing Inc. employeesCanton Area School District students, employees, and board of directorsChurch of the Redeemer Sayre membersCurione Dental Laboratory employees who work in, are paid or supervised from Elmira locationDecaturs Automotive employeesDirect family member of current memberFlowserve employees working at Moosic locationFlynn Energy employeesFriedman Electric Supply Company employeesGreater Valley Emergency Medical Services employees and volunteersHenry Dunn Incorporated who work in, are paid or supervised from Towanda Pa locationIngersoll-Rand Company retirees or former employeesJim’s Marine and Travel Inc. employeesJoe Murrelle Press employeesLeprino Foods employees of the Waverly NY locationMartha Lloyd Community Services employees and volunteersMaximim Mobility employeesMiddendorf Contracting employeesMilan Veterinary Clinic employeesM.R. Dirt Contracting employeesN/C Industries Inc employeesPenn-York Opportunities Inc employees and board of directorsRail House Restaurant & Taproom employeesRynone Manufacturing Corporation employeesSayre Area School District employees, board of directors, and studentsSayre Blast Intermedit Unit 17 employeesSayre Christian Church membersSayre Elks Lodge #1148 employeesServe Inc students, employees, board of directors, and volunteersSopranos Italian Market employeesSpaulding Memorial Library employees and membersState Line Auto Auction employeesSusquehanna River Archaeological Center (S.R.A.C.) employees and membersValley Joint Sewer Authority employees and board of directorsWilliams Auto Plaza Inc employees who work in, are paid or supervised from Sayre locationWaverly Central School District students, employees, and board of directorsWyalusing Area School District employees and board of directors Life After Debt GuideTips for becoming debt free! Love My CU Rewards banner. Click to start saving.