What's New

Government Shutdown Assistance

Are you a UFirst member affected by the recent government shutdown? Please know that we're here to support you should you need some financial assistance.If you are a government employee whose pay will be impacted due to the shutdown, we have put together the following options:

Skip a Payment

  • If you have an existing UFirst loan, you may be eligible to skip your loan payment(s) for up to 3 months in a row.
  • No fee will be applied

Special Assistance Loan

UFirst is offering a Special Assistance Loan to help you through any financial strain you may be experiencing during the shutdown. Here are the terms:

  • 5% discount off the standard unsecured loan rate that you would qualify for
  • 60 Month Term
  • First payment deferred up to 90 Days
  • Maximum loan amount of $5,000

* Loans are subject to credit approval. Must be a member in good standing. The Special Assistance Loan is limited to one loan per household.

To discuss these products, please contact us at 518-324-5700 option 2 or lending@ufirstfcu.net and our lending team will be happy to assist you. 



Holiday Travel

Traveling this holiday season? No worries. We've got you covered. UFirst offers a number of options to safely have access to your account, no matter where you may roam this Holiday season!

  • Visit one of our branches to get a UFirst VISA Travel Card!
    • Travel Cards are an instant issued, reloadable, prepaid card.
    • Protected by EMV Chip Technology
    • Can be used anywhere VISA is accepted
  • If you're headed outside the area, be sure to contact us to flag your debit and/or credit cards for travel.
    • Call: 518-324-5700 option 3
    • Email us
    • Login to your online banking and send us a secure message
  • UFirst FCU also partners with over 5,000 shared branches worldwide. You can make deposits, transfer funds, even withdraw funds at any shared branch location nearest you. Download the CO-OP ATM Shared Branch Locator app in the iTunes Store or Google Play. You'll also have access to nearly 30,000 surcharge-free ATM's from coast to coast. Click here for more details.
  • Protect yourself with the Card Valet app! If you lose your debit card, the Card Valet app allows you to turn your card off instantly until you can locate your card or call to have it blocked as lost or stolen. Download it for free today!

And remember, always travel safely and enjoy your Holiday with family and friends!

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.

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!