What's New

Dreams Thrive Here

International Credit Union Day - celebrated on the third Thursday of every October, is a celebration of the philosophy and achievements of the credit union movement. UFirst FCU, along with 56,000 credit unions around the world, celebrate ICU Day because we believe in the not-for-profit structure and people-first principles of credit unions, making them the ideal financial partner for all people. This year's ICU Day theme is "Dreams Thrive Here," a celebration of how credit unions help people achieve their biggest goals in life.

"Because of the credit union, I have been an owner of new cars, loans for various reasons and financial advice. Thank you for being there for me. I have always felt you put me first."   ~ Candy, member since 1980

As an existing member of UFirst FCU, you may not be aware of some of the myths or misconceptions that there are about credit unions. Credit Unions are not viewed the same as banks and while we're alike in some ways, we're also very different. Here's Why:

The 4 Biggest Credit Union Myths - With International Credit Union Day right around the corner, we’d like to clear up the four biggest myths about credit unions:

  • They aren’t big enough - there are big and small credit unions, but just like banks, your deposits at a credit union are insured by the federal government up to $250,000.
  • It will be hard to access my money - many credit unions have access to a network of 30,000 free ATMs and 5,000 shared branching locations, making it easy for you to access your money anywhere. UFirst FCU is in the process of adopting this CO-OP network to better serve our members.
  • I can't join - anybody can join a credit union. You may be eligible based on your employer, where you live, or your family, as most credit unions allow members’ families to join.
  • They don't offer as many perks as banks - credit unions offer the same financial products as banks—checking accounts, debit and credit cards, online banking, IRAs (individual retirement accounts), and home and auto loans—but because they’re not-for-profit, they often offer better rates than banks.

Bottom-line, Credit Unions are owned by their members, not shareholders, so our money stays in the community, and we work for you, not far-away shareholders.

So, on Thursday, October 19th, we'd like to say Thank You! We appreciate your support of UFirst FCU and the credit union movement and we'd like to invite you to visit one of our convenient locations for snacks, refreshments and some UFirst swag items. They'll even be some surprise give-a-ways for our members throughout the day! Again, thank you for being a member (and owner) of UFirst Federal Credit Union!

ScoreCard Rewards

Reward Yourself! Earn bonus points today with your rewards card!

For every qualifying purchase made using your UFirst VISA Credit Card, you earn valuable bonus points that may be redeemed for outstanding merchandise and travel rewards.

  • Thousands of items available
  • Top brand names like Apple, Dyson, Sony and Pandora
  • Online ordering available 24/7

To view all redemption options or your reward balance, visit ScoreCardRewards.com.

Not a UFirst VISA Credit Cardholder yet? Isn't it time? VISA takes you anywhere you want to go. UFirst FCU helps you get there. With rates as low as 7.90% APR and no annual fees, it's the only card you'll use for all of your spending needs. Apply online today and start rewarding yourself!

Click here to view VISA Credit Card disclosures.

Must be a UFirst Federal Credit Union member to apply. Standard variable rate (7.90% - 17.90%) may vary depending on credit qualifications and are subject to credit union lending guidelines. All rates are subject to change at any time without notice. Federally Insured by the NCUA.

Equifax Breach

Equifax Breach - How to Know if you've been Exposed and Tips to Protect Yourself

You have likely heard about the Equifax data breach, a massive theft of personal information from one of the “big-three” U.S. credit reporting agencies which lasted from mid-May through July.  This event may have exposed Social Security numbers, birth dates, addresses and even some driver’s license numbers of 143 million consumers.  It’s also been reported that credit card numbers of approximately 209,000 people were stolen as well. Equifax has indicated that debit cards were not exposed – therefore, criminals are unlikely to immediately have the capability to withdraw funds from a checking account.

When the breach was announced, there was considerable confusion about the data security standards to which Equifax was subject. Equifax is not a financial institution; however, they are subject to Gramm-Leach-Bliley Act data security requirements as well as subject to guidelines issued by the Federal Trade Commission. The event is still under investigation and although it has left more questions than answers, there are protective measures you can take to protect yourself from potential identity theft. 

Affected consumers are at risk from criminals using stolen information to fraudulently open accounts. This means that the most immediate (and long-term) threat with this breach is identity theft, and the best thing we, as your trusted financial partner can do is provide you with identity protection tips like the following:

  1. How do I know if I've been exposed?
      • First, check immediately to see if you are affected by accessing the website that Equifax has setup, https://www.equifaxsecurity2017.com and click on potential impact. You will be asked to enter your last name along with the last six digits of your Social Security Number. Due to this sensitive information that you will need to enter, make sure you are on a secure computer that uses an encrypted network connection. The site will tell you if you’ve been affected by the Equifax breach.

      • Equifax has also setup a call center to assist consumers. The number is 866-447-7559 and the call center’s hours of operation are 7:00 am – 1:00 am, 7 days a week
  2. Enroll in Free Protective Services
      • Whether you find that your information has been exposed or not, Equifax is offering U.S. consumers a full year of complimentary credit monitoring through their TrustedID product. Important: The designated date of enrollment for this service is November 21, 2017.

      • Also consider Life Lock, while although has an annual subscription, allows you to put a lock on your credit so it cannot be pulled. In the event you need to apply for credit, you can go online and put in a pin to unlock your credit for the time needed. Then you can re-lock your credit information. https://www.lifelock.com/
  3. Request Free Credit Report
    • Get your free credit reports from www.annualcreditreport.com. You can request a free credit report each year from each of the three credit bureaus. Any accounts or activity you don’t recognize could indicate identity theft. In such a case, go to www.IdentityTheft.gov to find out what to do.

  4. Review Bank Activity Regularly

      • Carefully review bank activity and charges on your credit and store cards. This is important to do regularly even if you’re information hasn’t been exposed. Fraudsters often make small purchases on regular high-use credit cards knowing they can go unnoticed, and may make larger purchases on more dormant cards. Reviewing your activity regularly allows you to detect fraud more quickly before more damage can be done.

  5. Place a Credit Freeze or a Fraud Alert on your Files
    • Consider placing a credit freeze on your files with all three credit bureaus if your information has been exposed. Doing so locks down your credit so new creditors can’t see your credit report and in turn won’t typically allow someone to open a new account in your name. In order to apply for new credit cards, mortage, etc., you will need to temporarily lift the freeze.

    • You can also choose to place a fraud alert on your files in lieu of a credit freeze. This warns creditors that you may have been victimized by identity theft, alerting them to verify that anyone seeking credit in your name is really you.

  6. File your Taxes Early
    • Tax identity theft is more common than you may think. If your Social Security Number was accessed in this breach, it’s best to file your taxes as soon as you have all the necessary tax information.

  7. How UFirst Services Can Help
    • eStatements - remove the risk of your statement getting lost in the mail or falling into the wrong hands.
    • Online/Mobile Banking - keeps you connected to your account 24/7, so you can easily monitor your transactions and take quick action against fraud.
    • Bill Pay - allows you the ability to pay bills securely within your online banking and removes the risk of logging into different merchant accounts online and having to provide your account information.
    • CardValet - gives you control over how, when and where your debit card is used. If you lose your debit card, you can simply login to the app and turn it off. You can also setup preferences like setting transaction limits, where your card can be used and more. It's a great way to help protect yourself from fraud on our account.

The unhappy truth is that data breaches have become common in today's world. Companies' computer systems can be hacked, whether your make online transactions or not. Reviewing each bank, credit and store card statement, as well as monitoring your credit should be part of your personal-finance routine. It's all part of staying safe in today's risky digital world.


CO-OP ATM Access


UFirst FCU has some exciting news! We've joined a CO-OP ATM Network that allows our members access to nearly 30,000 surcharge-free ATMs from coast to coast! That's convenience even some of the biggest banks can't match. And it's one of the benefits of being a member of UFirst FCU.

What does this mean? It means that you can use any ATM where you see the CO-OP logo. So, whether you're across town or away from home for business or pleasure, finding the closest surcharge-free ATM is easy, using your phone, mobile app, text messaging or internet access.

What is a surcharge fee? A surcharge is a fee that may be assessed by an ATM owner for using the machine. Our members can use ATMs within the CO-OP Network and avoid these fees.

Find ATMs near you:

  • Visit CO-OPatm.org
  • Download the mobile app (search CO-OP ATM and look for the CO-OP logo)
  • Text your current address to MYCOOP (692667)
  • Call 1-888-748-3266

Please feel free to contact us at 518-324-5700 option 1 with any questions about the CO-OP ATM Network!

Co-op ATM Video

Coming Soon: CO-OP Shared Branch!!

Shred Days

Mark your calendars for the UFirst Shred It & Forget It Event!  

Protect yourself from identity theft by bringing your unwanted personal documents to the UFirst Shred It & Forget It event. Adirondack Mobile Shredding will be on site to shred your documents safely and securely, Free of Charge! Here are the details:

** Our Shred Days for 2017 are complete. Keep watching for 2018 dates to be posted! **