What's New

Scratch to Win

What's your idea of FUN?! Picture this: You and your family making memories and finding adventure in a new RV; or cruising Lake Champlain with friends in your new boat; or maybe, it's hitting the open road on that motorcycle you promised to buy yourself after retirement. Whatever your idea of fun is, it's possible for everyone! And here at UFirst FCU, we're having FUN too with our new Scratch & Win promotion!

Here's how it works:

  • When you apply for a new or used recreational loan at UFirst FCU, you'll receive a Scratch & Win game piece for the chance to win a number of different prizes! All you have to do is:
    • Click here to apply conveniently and securely online or apply at any of our UFirst locations.
    • For online applicants, one of our loan officers will scratch the game piece for you and tell you what you've won!
    • For in-person applicants, your loan officer will provide you with a game piece to scratch!
    • And just like that, you're a winner!

Here's what you could win:

  • An additional 0.25% - 1.00% off of your loan rate
  • $10 VISA Gift Card
  • 60 Day No Payments
  • 90 Day No Payments
  • $50 Gas Card
  • 0.25% Increase on Certificate rate
  • $50 Gas Card

The best part is, everyone is a winner! Not only do you have the potential to finally own that recreational vehicle you've always dreamed of, but you could save money too! So hurry in and apply for the FUN of it!!

* Offer good through June 30, 2018. No purchase necessary. Membership required. Member must be in good standing and must present card at time of redemption to receive prize or discounted rate. Loan discounts are subject to credit card approval and credit union lending guidelines. Rate valid with financing of new or used recreational vehicles only, may not be combined with other promotions. Rates vary with term and credit history. Discounted rate is in addition to the relationship pricing program in place at UFirst FCU. Offer does not include existing recreational loans already financed at UFirst Federal Credit Union. 60 Day or 90 day first payment deferral is valid May 15th, 2018 - June 30, 2018. Payment is deferred for 60 or 90 days dependent on scratch off result. Interest begins accruing upon disbursal of loan. 0.25% increase on certificate is for new certificates opened during May 15, 2018 through June 30th, 2018 and do not apply to existing certificates with UFirst Federal Credit Union. UFirst swag or gift card winners can redeem for prize at Plattsburgh Main branch located at 274 Rugar Street. Call or visit any branch and speak with our loan personnel for more details. Other conditions may apply.

Online Banking Changes

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 overall feel 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!
    • Trends - a 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! (It's like Mint.com!)
    • Mobile Deposit Capture - which will allow members to snap a photo of a check and deposit to their account using their mobile device.
    • Credit Sense - offers members free access to your credit score and assists you with making rate and payment comparisons on auto loans, credit cards, etc. to find the best deal for you!
    • Transfer Now 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 - No changes there! Our bill pay system will be staying the same!

Click Here to view a tutorial of our new online banking system! And you can Click Here to view some important information about the conversion.

Note: A few things have changed on the FAQ:

  • You will login to the new online banking system using your existing online banking user id. For example, if you always used your account number as your User Id to login to online banking, then that is what you will login with. If you had a unique User Id to login to the online banking, then you will login with that. Our conversion team brought over your current user id to make things easier.
  • If you are an existing estatement user, you will automatically be enrolled in the new estatement system. You will not need to re-enroll.

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 members too and will be going through the transition with you! You can email us or call 518-324-5700 option 1 with any questions or issues you may experience after the conversion.

Coming Soon!

  • Updated Website: Due to unforseen technical issues by our provider, the new UFirst FCU website release has been delayed. We hope that it will be up and running within the next few weeks, but we will be sure to keep our members updated. The new 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 assure our members that while UFirst FCU is going through these changes, you will continue to receive the same outstanding service you have come to expect from us!

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.

New Look. Still 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, September 8th, 2018

9:00 am - 12:00 pm 

Location TBD

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!

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.