What's New

90 Day No Pay

With NO payments for 90 Days* and low, competitive rates, now is the perfect time to drive your auto loan over to us, your friendly neighborhood credit union! If you're ready for your next set of wheels or wanting to refinance a not so great auto loan you got somewhere else, we can help. 

Our auto loans offer these great benefits:

  • No payments for 90 days 
  • No application fee
  • Quick application process
  • Competitive rates
  • Flexible payment terms 

Apply online, on our mobile app, in person at a UFirst location nearest you, or call our Lending Team at 518-324-5700 option 2.  

*APR – Annual Percentage Rate. Rate may vary depending on loan term, type of loan and creditworthiness. Subject to credit approval and credit union lending guidelines. Your APR might be higher based on your credit score. **No Payments for 90 Day offer is valid September 1st, 2018 – September 30th, 2018. “No Payments for 90 Days” offer applies to only 2012 and newer vehicles not currently financed at UFirst Federal Credit Union. All rates subject to change any time without notice. Payment is deferred for 90 days. Interest begins accruing upon disbursal of loan. Call or visit any branch to speak with our loan personnel for more details. Membership required. Federally insured by NCUA.

Annual Meeting

As a member of UFirst Federal Credit Union, you are invited each year to attend our Annual Meeting. You may be asking yourself what is an annual meeting and why should you attend? Well, here's the skinny on it...

The Annual Meeting is an annual meeting of the membership. Ever wonder what that $5 you deposited is for? That deposit makes you the owner of a small share of UFirst FCU. It's just one of the many unique things that sets us apart from banks. It's at the Annual Meeting that the membership gets to choose the volunteer Board of Directors and also have the opportunity to ask questions, voice your concerns and be involved in making the credit union better! After all, credit unions are owned by their members!

We also review the financial state of the credit union and hear from our CEO, Board Chair, Supervisory Committee and our VP of Finance, all of whom you will have the opportunity to meet along with the rest of our amazing Board Members and Management Team. You will also get to hang out with the staff that you have come to know as friends and rub elbows with other credit union members. 

The Annual meeting is another one of the many benefits of credit union membership and we encourage you to join us. UFirst Federal Credit Union will hold it's 47th Annual Meeting on September 26th, 2018 at 5:30 pm. The Annual Meeting will be held at the Plattsburgh Main Branch, located at 274 Rugar Street. 

This year there are four positions open for election on the Board of Directors. All three positions are for a three year term. As we received no petitions from anyone wishing to be placed on the ballot, the Nominating Committee has put forth the following candidates fill these vacancies on the Board of Directors and all four have agreed to serve another three year term: 

  • William Laundry
  • Michael Caraballo
  • David Graves
  • James Abdallah

Click here to view candidate bios! 

The election will not be conducted by ballot at the Annual Meeting and there will be no nominations from the floor when the number of nominees equals the number of positions to be filled. Results of the election will be announced at the Annual Meeting. 

 We hope to see you there! 

Mobile Deposit

The feature that everyone has been waiting for has finally arrived! Mobile Deposit is an easy and secure way for you to deposit checks using your mobile device. In just a few steps, you can make your deposit without ever having to go to a branch! Here are some frequently asked questions:

Is there a charge to use Mobile Deposit?

No, it's completely free!

How do I properly endorse my check(s)?

It is extremely important to ensure that you endorse your check(s) correctly so they don't get rejected. Here is what to do:

  • Sign your name as it appears on the front of the check
  • Write the account number you want the check deposited in underneath your signature
  • Some checks have a box that you can check for mobile deposit, so you can just mark that. (Image coming soon)
  • If there isn't a mobile deposit box, write Mobile Deposit

If proper endorsement isn't provided, then the deposit will be rejected.

When can I expect my deposit to appear in my account?

Deposits made prior to 2:30pm will be deposited into your account around 4:30pm. Anything after 2:30pm will be considered next day.

Are there limits to how much or how many checks I can deposit?

Yes. The maximum amount per deposit per day is $5,000 per account. Maximum amount for one check is $2,500 per day. There is not a limit to the number of checks that you can deposit in a day as long as you are within the daily limit.

Will there be a hold on deposit?

Deposits made through Mobile Deposit are subject to the UFirst check hold policy that is currently in place for all deposits made by check.

How do I access Mobile Deposit?

Mobile Deposit is only available with our UFirst Mobile Banking app which can be downloaded for free using iTunes or Google Play. The mobile application works with iPhone and Android smart phone platforms. To use the app, you must first be enrolled in online banking.

  • After logging in to the UFirst app, select "deposits" from the home screen
  • Select and account for deposit
  • Enter the check amount. Please note: per check limit is $2,500; per day limit is $5,000
  • Take a photo of the front and back of the check (Make sure it's a clear image and captures the whole check)
  • Make sure the back of the check includes proper endorsement (see how I properly endorse check above)
    • Signature
    • Account Number
    • Check of "for mobile deposit" or write Mobile Deposit
  • Confirm deposit details
  • Retain check until cleared

This information will all soon be permanently available on our updated website once it goes live. Mobile Deposit is a great new service that we are proud to offer and one we hope you will enjoy! If there are any questions regarding mobile deposit, please contact us at 518-324-5700 option 1.

Online Banking Changes

On May 14th, 2018, we rolled out a new and improved online banking system that has relatively the same overall feel as our old 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!

If you experience any issues logging in or have questions about any of our new services, you can email us or call 518-324-5700 option 1.

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 soon, 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 address will remain UFirstFCU.net.

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!

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!  

Keep watching for the 2019 schedule!