No matter what stage in life you are in, UFirst Federal Credit Union has the loan that's right for you. Whether you're buying your first home or buying the boat you've always wanted, UFirst FCU offers a full line of loan products, competitive rates and a variety of terms to help our members finance their dreams and achieve financial success.

Personal Signature Loans

Life is full of the unexpected. It happens to us all too often; a car or home needs repairs, medical bills become too much to pay or we just need some extra funds to help pay for things like college tuition or a wedding. With great rates on personal loans, UFirst FCU can help you manage both the expected and the unexpected! Stop in today and let us help you get there!

Debt Consolidation

Looking to consolidate debt or pay-off those high interest credit cards? UFirst FCU can help consolidate your debt into one low monthly payment and help you breathe a little easier.

Auto Loans

Looking for a new/used vehicle? Maybe you're looking to refinance your vehicle at a better rate. We offer financing for new and used vehicles with competitive rates and terms up to 84 months. So, race into UFirst today and drive away with the vehicle of your dreams!

Recreational Loans

Whether you're blazing the trails on an ATV or riding the waves on a Jet Ski, UFirst FCU can help you have fun no matter the season. We offer great low rates on loans for boats, RV's, Jet Skis, snowmobiles and all other types of recreational vehicles. Terms up to 144 months.


UFirst Federal Credit Union is helping to make your dream of owning a home a reality and we are proud to partner with two great mortgage processing centers, Homeowners Advantage and OwnersChoice Funding. Whether you're a first time home buyer or just in the market for a new home, our friendly loan staff will work to find the mortgage product that's right for you and your family.

** Rates change daily. Call 518-324-5700 option 2 for the most current rates. **

Home Improvement Loans

Looking to make some improvements to your home? From building a new garage to installing solar panels, improvements to your home can be costly and sometimes unexpected. That's why UFirst FCU offers a home improvement loan that's available any time of year! Apply conveniently online or call us today to setup your appointment!

Home Equity

Adding on to your home or starting a major construction project? A Home Equity Line of Credit offers you the flexibility to access funds when you need it most and at great rates. Call or stop in to speak with a loan officer today and find out which home equity product will best fit your needs!

VISA Credit Cards

VISA takes you anywhere you want to go. UFirst FCU helps you get there. With rates as low as 7.9% APR and no annual fees, it's the only card you'll use for all of your spending needs.

Click here to apply today!

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Share/Certificate Secured Loans

A loan secured by your Share savings or a Certificate of deposit can have many benefits to you. By utilizing your own funds to secure a loan you can build your credit, enjoy lower rates and quicker approval process.

Overdraft Protection (Line of Credit)

UFirst Federal Credit Union understands that emergencies can happen and that is why we provide the option for additional protection against bounced checks and return check fees.

  • $500 overdraft line of credit
  • Low monthly payment
  • No overdraft fees
  • Pay interest only if you have a balance

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