What's New

Exciting News

With the recent release of our new brand, we mentioned that UFirst FCU will be going through some exciting changes! Here is what's coming up:

  • New Online Banking System: On May 14th we will be rolling out a new and improved online banking system that will have relatively the same type of look as our current online banking system. The new platform contains a wide range of improved and expanded services including:
    • An updated eStatement system to provide you with an easier and more efficient way to access your statements electronically through your online banking.
    • An updated Mobile Banking app that will reflect our new brand and colors!
    • Personal Financial Management Tool - to assist members with organizing and managing your finances through your online banking. It's like Quicken only secure within your own online banking!
    • Remote Deposit Capture - which will allow members to deposit checks using their mobile device.
    • Credit Sense - offers members free credit scores and assists you with making rate and payment comparisons on auto loans, credit cards, etc. to find the best deal for you!
    • Transfer Now option is taking the place of our current Account to Account option which allows you to transfer to or from your personal external accounts at other financial institutions. For example: Transfer funds from your UFirst account to an account you have somewhere else!
    • Bill Pay - our bill pay system will be staying the same!

As we progress through this transition, we will provide more detailed information about the changes you can expect when logging into the new online banking. We realize that switching to the unknown can seem overwhelming, but we will be here to help our members through the transition! After all, we are all members too and will be going through the transition with you!

  • Updated Website: Also, on May 14th, the UFirst FCU website will be upgraded to reflect our new brand and a fresh look. The overall outline of the website will remain, but it will be upgraded for ease of use and navigation. Our website will remain UFirstFCU.net.
  • Plattsburgh Main Expansion: Another exciting change that we mentioned is that our Plattsburgh Main Branch will be going through an expansion. Plans for our expansion have been approved and later this Spring, construction will commence. We will provide more details to our members on this soon.

We want to stress to our members that while UFirst is going through these changes, you will continue to receive the same outstanding service you have come to expect from us. As we grow and technology changes, we too must change with the times and offer our members the newest

Home Equity

Home Equity Loans

Owning your own home has its advantages. When you need to draw on your home’s equity, UFirst FCU has home equity loan options and great rates to fit your needs. When fixing or upgrading your home, a home equity loan or home equity line of credit (HELOC) from UFirst FCU is a great option to get the funds you need, when you need them.

  • Borrow up to 90% of the equity you have in your home based on the type of mortgage you have
  • Terms up to 10 years available
  • No closing costs
  • Fixed rates give you the benefit of lower monthly payments
  • Perfect for home improvements, debt consolidation or college tuition, etc.

Home Equity Line of Credit

With a home equity line of credit, you can borrow money as you need it. You pay interest only on the amount you actually borrow. As you repay your loan, you can borrow against your available line of credit for up to 10 years.

* To qualify for no closing cost, a maximum of $40,000 must be funded for a Home Equity Loan or minimum $40,000 advance at time of funding for a HELOC. New money only – no Home Equity Loans or Home Equity Lines of Credit or other loans currently financed at UFirst FCU are eligible for no closing cost offer. This will be  a “No Fee” program, subject to standard UFirst Federal Credit Union credit approval. All normal loan underwriting fees (flood certification, appraisal fees, settlement/closing) will be waived for all new Home Equity Loan and HELOC requests that meet the above criteria. Offer may be discontinued without notice. UFIrst FCU does business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Membership in good standing is required in order to be approved for this loan. Pre-payment penalty may apply if re-paid in less than 36 months. Additional restrictions apply. Please contact a UFirst FCU loan representative for complete details, qualifying criteria, disclosures and other rates and terms. UFirst FCU is Federally Insured by the NCUA.

April is Youth Month

Every child dreams about their future. Who will they be? How they will get there? But like most dreams, they don't come free. Some of those dreams may require money to come true. So, how do you help your children achieve their dreams?

One way is to help them learn how to save their money.

In April, UFirst FCU is celebrating Youth Month, which is a program that helps teach and encourage kids to develop good financial habits early. The theme this year is "The Science of Saving" showcasing fun, sci-fi inspired characters. Science has proven that if you start with small goals, saving your money can become a regular habit. This year's Youth Month inspires children to begin saving the money they earn so they can attain their dreams of a happy future.

Here's how we're celebrating:

  • Every time a junior member makes a deposit of $10 or more into their UFirst savings account during the month of April, they will be entered into a random drawing for a grand prize of 3 tickets to Great Escape & Splashwater Kingdom in Lake George.
  • Open a new savings account for a junior member with a deposit of $10 or more and we will match the deposit up to $10 and they can choose a "Science of Saving" goodie item of their choice.
  • Junior members can enter our "Science of Saving" coloring contest. Three winners will be chosen from each age group (ages 3-5, 6-9 and 10-12) to win a $25 VISA gift card that they can use anywhere that VISA is accepted. Be sure to include their name, age and phone number on the back of the coloring sheet. Coloring sheets are due no later than April 30th.
  • Our coins 4 camp piggy banks will be displayed at each of our branches to collect donations for Camp Ta Kum Ta.
  • The last week of April (23rd - 27th), bring your Junior members to one of our locations for youth month goodies and snacks. (while supplies last).

As your credit union, we want to help you teach your children to learn good financial habits. Together we can help them blast-off toward a bright and wondrous future!

Coming Soon! An App exclusively for our Junior members, designed to teach good saving habits and encourage giving in a fun and interactive way! Keep watching our website for details.

Vote YES to S 2155

Credit Unions have a philosophy - "People Helping People". As a member of UFirst FCU, you are a partial owner of our organization. You have a voice and that voice has power.

What's Happening?

In response to the 2008 recession, a regulation was passed to impose rigorous standards across the entire financial industry. The current set of complex Washington regulations were created to rein in the big Wall Street banks. But these one size fits all rules do not work for credit unions and community banks on Main Street. We agree that regulations serve an important purpose within our industry, but one size fits all regulations only end up hurting consumers.

What is UFirst FCU's Response?

Recently, UFirst CEO, Linda Bourgeois; VP of Finance, Kasey Kirk and Board of Director & Supervisory Committee Chair, Bob Gertsch, traveled to Washington where they participated in CUNA's Governmental Affairs Conference (GAC). It was there that they hiked the hill and made their voices heard, advocating for members like you and me. You may not even be aware of the regulatory burdens that credit unions face or how it limits us from serving our members to the best of our ability, but we do. You should know that we, as your trusted financial partner, are taking action against these excessive regulations, but we can't do it alone.

Regulations that favor the big Wall Street banks are hurting millions of credit union members by:

  • Costing credit unions over $7.2 billion annually in operations costs and lost revenue due to current regulations - more than $71 per member.
  • Leading to higher costs and longer wait times for mortgages and loans.
  • Limiting your options and making it harder for credit unions to provide the services and products you need.

What Can You Do To Help?

Together, we can use our collective power to help limit excessive regulations from hurting members like you and me. Years ago, we came together and fought against the "Don't Take My Credit Union" campaign and now we're asking for your help again. Recently, a bipartisan group of Senators released S. 2155, that would provide regulatory relief to Main Street financial institutions including credit unions and community banks while maintaining regulations for Wall Street. Here's what you can do to show your support:

  • Learn more about the Common Sense Regulation and how it impacts the country and those of us in New York State.
  • Take Action! Make your voice heard now and tell Congress by phone, email or twitter to support S. 2155!

Let your U.S. Senators and representatives know today that you want them to make fixing costly regulations on credit union a top priority as this legislation heads to the Senate! Tell Congress we need common sense regulations that allow local institutions like UFirst Federal Credit Union to decide what's best for its members and communities, as we always have.

Thank you for your support!!

Exciting News for UFirst

New Look. Still UFirst. Still for you.

UFirst FCU has some exciting news!! We've just had a makeover and we're very proud of our new look!

Questions?  Click here for information on how our new logo and brand will affect your banking experience.


A Message to our members from Linda:

UFirst FCU is all about you, our members and to better serve you, we have some exciting changes taking place in 2018! UFirst FCU has a new look and while you’ll notice that our logo colors and design have changed, the integrity of it has not. Our history, the relationship we have with you and the same great service you receive from our staff, still remain and will continue. I am pleased to announce that in the coming months, UFirst FCU will be undergoing some important changes to reflect our new brand and better serve you.

Beginning this Spring, the Plattsburgh main branch will be expanding; A more visually-refreshed website is underway and new products & services will be added to help meet the growing financial needs of our members. I thank you for being a valued member of UFirst FCU and we look forward to continuing our relationship together…For Today. For Tomorrow. For You.


Linda Bourgeois, President/CEO

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. If a document contains your signature, Social Security Number, account number, medical or legal information, it should be shredded when you no longer need it. Adirondack Mobile Shredding will be on site to shred your documents safely and securely, Free of Charge!

Join Us:

Saturday, April 14th, 2018

9:00 am - 12:00 pm 

Plattsburgh Main Branch (274 Rugar Street)

Remember to keep a few things in mind:

  • There is a maximum of 5 file boxes or trash bags per car. We can only accept paper - please no electronics, hardware, etc.
  • Shred Day is open to the community; however we do restrict businesses from dropping off. We simply cannot accommodate large quantities of shredding and we appreciate the cooperation.
  • Check over the documents you are going to shred to ensure that you are not getting rid of anything of importance like birth certificate, social security card, marriage license, etc.
  • Please look for UFirst personnel to greet you and direct you on where to park. We will come to you!
  • Can't make it? A secure drop off bin will be available at the Plattsburgh Main branch two weeks prior to the event and will be accessible during normal business hours.  
  • Shred Day is FREE; however, donations to benefit Camp Ta Kum Ta are kindly accepted.

We look forward to seeing you at our Shred It & Forget It event! Our next event is scheduled for September 8th, 2018.

Shred Day is first come, first serve. While our shred Days are schedule to last three hours, the actual length of the Shred Day depends on how full the truck is. if the truck is full before the scheduled end time, the remainder of shred day will be canceled.