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!

Calling all High School Seniors!!! The time has finally come! You're ready to graduate and enter the world of college and adulthood! Are you ready? Prepare yourself for college by applying for a scholarship with UFirst FCU!

UFirst is offering college-bound high school seniors the opportunity to compete for statewide college scholarships through the New York Credit Union Association's Scholarship Program. Students/Applicants will be competing against other credit union members from across the state. Applicants will be judged based upon academic achievements, extracurricular and community activities and the quality of written essays. Last year, the New York Credit Union Association awarded $25,500 in scholarships through the program. In addition, UFirst FCU awarded $2,250 to 3 local students.

Application Requirements:

• First, you must be a member of UFirst FCU before you can submit your application. If you're not already a UFirst member, you can open an account right online and it's only $5 to start your account with us. (The best part about being a member of a credit union is that you can go to school anywhere and still bank with us. We have a wide variety of products and services to make accessing and managing your money easy and convenient, no matter where you are!)
• You must be a college-bound senior at the time of application.
• You must be attending either a two- or four- year accredited educational institution for the first time in the fall of 2019.  

Here's how it works:

• Click here for the 2019 Scholarship Application (Bonus! There is no application fee!) Printed applications are also available at any of our branches.
• Fill out the application completely and provide all the required materials listed on the application's cover page. Everything that is required to submit your application is listed there.
• Turn in your scholarship at a UFirst location nearest you no later than January 4th, 2019. Late applications will not be accepted!
• We will submit your application to the New York Credit Union Association where your application and essay will be reviewed, judged and scored. We will received the scores sometime in early Spring.
• The top 3 UFirst members with the highest scores will each receive a scholarship from UFirst FCU in the amount $750.00. Based on how a student scores, they may also be eligible to receive a scholarship from the New York Credit Union Association as well as a scholarship from the Adirondack Chapter of credit unions! Scholarships will be awarded ranging from $500 - $1,500 and may be used at a two- or  four- year accredited educational institution.

What are you waiting for?! You've got this! And remember, the deadline is January 4th, 2019!! Good Luck!!

 Questions? Contact Meg McGee-Pelkey at 518.324.0618 or mpelkey@ufirstfcu.net.

Have we got a gift for you! As a valued member of UFirst FCU, you are entitled to skip a payment on your loan(s) during the Holiday Season. We know that the Holidays can be a stressful time of year with traveling, gift giving and hosting family. The Skip-a-Payment program is designed to help you breathe a little easier during the Holiday Season. It's simple to take advantage of this offer:

• Click here for Skip-A-Pay form
• Indicate the month you want to skip (November, December or January)
• There is a low processing fee of $25 per loan to take advantage of this offer. This fee can be paid in cash or you can complete the authorization portion of the form to deduct the fee from your account.
• Submit form by:
  • Email: lending@ufirstfcu.net
  • Fax: 518-324-5777
  • Mail: UFirst Federal Credit Union, 274 Rugar Street, Plattsburgh, N.Y. 12901
  • Deliver to a UFirst location nearest you
• Questions? Feel free to call us at 518-324-5700

This offer excludes Mortgages, Home Equity Loans/Lines of Credit, Certificate/Share Secured Loans and VISA Credit Card. All loans considered must be current and at least 6 payments must have been made.

_{By signing and submitting the Skip-A-Pay coupon, you authorize UFirst Federal Credit Union to extend your final loan payment by one month and agree that such extension will be considered an amendment to your loan agreement and/or promissory note. There is a $25 processing fee per loan that will be added to your loan balance. Interest will continue to accumulate on your loan during the month you skip your payment. In some cases, based on the size of your balance, the interest which accrues, may be greater than the amount of your next regular payment. It may take you several months to begin to reduce your principal balance. Following the skipped month, the loan will revert back to the original payment schedule. Payments made through payroll deduction or direct deposit will be put into your savings or checking account for the month you are skipping a payment. Processing fees will be returned to anyone not eligible to participate in this offer. In order to skip your payment, all loans and accounts must be current and in good standing at the time we receive your request, and your loan must have been opened for more than 6 months. Note, both the primary and co-borrower/co-signer (if applicable) MUST sign and return the attached form. Certain restrictions may apply and not all loans are eligible for this program.}

Remember the time when you didn't see a Christmas decoration until after Thanksgiving? Well, times have definitely changed. Stores are already stocking their shelves with Christmas trees, ornaments and wrapping. And that means, we too need to help our members prepare for holiday shopping. That's why our Holiday Loan is available to members right NOW!

With rates as low as 5.00% ^APR, a UFirst Holiday Loan offers a lower interest rate than most credit cards, making it the responsible way to give. And because our Holiday Loan has a 12-month term, you know it will be paid off by next year! Check it out!

Benefits of a Holiday Loan:

• Use it for travel, gift-giving or whatever you need
• Get a fixed rate and term
• Enjoy a free and easy application process
• Funds are directly deposited into your UFirst Federal Credit Union account

Term:

• Up to 12 months
• Rates as low as 5.00% ^APR
• Maximum loan amount: $2,000.00

How to apply:

• Click here to apply online
• Visit a UFirst location nearest you
• Call 518.324.5700 option 2 to setup an appointment

Did you know?

The Holidays have a way of sneaking up on you. Did you know that UFirst FCU offers a Christmas Club Account so you can save throughout the year? It allows you to setup automatic transfers to go directly into your Christmas Club Account, so you save without even having to think about it! Ask us how to start yours today!

_{* APR - Annual Percentage Rate. Must be a member of UFirst Federal Credit Union to apply for loan. Must meet credit union lending guidelines. Certain restrictions may apply. Offer valid from October 1st, 2018 - December 23rd, 2018. For more details, contact our lending department at 518-324-5700 option 2.}

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.

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!!

Mark your calendars for the UFirst Shred It & Forget It Event!  

Keep watching for the 2019 schedule!