Black Wednesday

10 Deals. 1 Day. Just for YOU.

Wednesday, November 26th, 2025

We’ve been saving you money every Black Wednesday for a decade — and this year’s no different!

Here are the deals:

The holidays can bring added costs, and a personal loan is a simple way to cover what matters most. Use it for just about any expense — and take advantage of our newly lowered rates on recreational loans while you’re at it, alongside a few other amazing deals!

Here's how it works:

Plattsburgh Main Branch Only - The doors will open at 8:00 am sharp! Opportunity knocks early, and so do our best rates - first in line get the best rates!
When you take advantage of any of the below deals you will be entered to win an electric fireplace & 2 - $100 VISA Gift cards!

Personal Loans

Starting as low as 4.99% APR* & increasing for the first 20 applicants, then an all-day rate as low as 7.99% APR* after the first 20 applicants
The all-day rate can be applied for through our online loan application or in-person.

Recreational Loans

Starting as low as 2.99% APR* & increasing for the first 20 applicants, then an all-day rate as low as 4.49% APR* after the first 20 applicants
The all-day rate can be applied for through our online loan application or in-person.

Home Equity & Home Equity Lines of Credit

No closing costs for Home Equity or Home Equity Line of Credit requests received & dated November 26th, 2025. These applications will receive a 36-month pre-payment penalty (equal to all closing costs).
- All applications received must supply all necessary documents, credit be pulled, and rate locks completed by Wednesday December 10th, 2025.

eStatements

Paper’s out, eStatements are in! They’re faster, safer, and way easier to keep track of (no more piles of mail!).

Swipe & Save

Swipe & Save turns everyday purchases into effortless savings. Each swipe rounds up to the nearest dollar and tucks the change into your savings automatically. Easy wins feel good.

Any other deals?

Absolutely! We don't call it the biggest special of the year for nothing! And the below deals are available at any branch!

Get 10% cash back on your new Certificate deposits (up to $100 per member) — posted by 12/10/2025.
Get 10% cash back on your new Money Market deposits (up to $100 per member) — posted by 12/10/2025.
Give the gift everyone loves — a VISA Gift Card! For one day only, you can grab up to 10 gift cards, fee-free! They’re perfect for family and friends since they can be used anywhere VISA is accepted. Don’t forget to ask about our virtual gift card options too!
Get $10 back when you open a new account including checking, savings & a debit card — $5 goes into your checking and $5 into your savings. Available for new and existing members, with cash back posted the same day!

Simply our way of saying how grateful we are to have you!

Questions?

Please feel free to stop into the branch or call us at 518.324.5700 to speak with a team member. We are happy to answer any questions you might have!

Does life have you busy?

If you can't make it to see us but still want to treat yourself to that holiday wish list or spoil your kiddos with theirs, apply in seconds for our holiday loan via minute money!

*APR - Annual Percentage Rate. Must join UFirst Federal Credit Union or already be a member in good standing. $5 par value and membership eligibility required. Excludes loans already financed at UFirst FCU and any other products offered by UFIRST FCU including but not limited to auto loans and VISA Credit Card. Cannot be combined with any other offer. Certain restrictions may apply. Rate is based on creditworthiness, terms and age of vehicle, if applicable. Must meet credit union lending guidelines. Black Wednesday promotion runs Wednesday, November 26th, 2025. Black Wednesday Loans must be closed two weeks (December 10th, 2025) from the day your application is processed or rate is void. UFirst FCU is not responsible for failed online applications.

*No purchase necessary. Must be 18 years or older to enter. UFirst FCU employees, volunteers, and their immediate family members are not eligible. One entry per member for signing up for eStatements and/or swipe & save on Black Wednesday, November 26th, 2025. One winner will be selected in random drawing on November 26th, 2025 and are not required to be present to win. Prize will be issued in the form of an electric fireplace or a $100 VISA gift card.