The right vehicle financing means affordable payments, a great interest rate and peace of mind. If your auto loan terms are not working well for you, then maybe it's time to refinance your auto loan with UFirst Federal Credit Union. We can help you determine whether a change to the term, the payment or the rate is what you need.

Benefits of Making the Switch:

• No strings attached - direct deposit, checking or automatic payments not required
• Terms available up to 84 months
• Competitive rates
• No payments for 45 days
• All the benefits of financing an auto loan apply to refinancing too!
• Have a checking account or other services here with us too? Ask about our special member auto loan discounts.

Isn't it time you and your auto loan switched to UFirst? Apply easily online today or contact one of our friendly lenders at 518.324.5700 option 2 with any questions.

Let's face it, in this day and age, paper statements really aren't your best option anymore. With identity theft continuing to be a constant factor all around us, it's important that we protect ourselves and our personal information. And eStatements can help do just that! They're paper-free and are delivered directly to your secure online banking account instead of your mailbox.

Why enroll?

• View, print or save your statements to your personal computer
• Good for the environment
• Lower identity theft risk by not receiving paper statements in the mail
• Conveniently view your account activity online, safely and securely through online banking
• And they're FREE!

How do you enroll? It's easy!

• Login to your online banking
• Scroll down the page and click the estatements link at the bottom right-hand corner
• A new window will appear with our estatement disclosure
• After reading the disclosure, click on the words eSign Document. ** These words can be found directly above the eSign confirmation code box and the letters are a little larger than the rest of the wording.
• Once you click the eSign Document wording, copy the code
• Then paste it in the eSign confirmation code box
• Click I agree
• You will have immediate access to your statements. We'll email you each month to let you know when your new statement is available for viewing.

How to win!

When you enroll in eStatements during the month of March, you will automatically be entered into a drawing to win:

• Grand Prize: $200 VISA Gift Card
• 2nd Prize: $100 VISA Gift Card or
• 3rd Prize: $50 VISA Gift Card

That's three chances to win! So C'mon! What do you have to lose? Except maybe your identity...

Enroll today and secure you're personal information with eStatements!

_{*No purchase necessary. Must be 18 years or older to enter. Must be a registered UFirst online banking user and not currently enrolled in eStatements. One entry per account for signing up for eStatements between 31/2019 and 3/312019. Winner will be selected in random on 4/1/2019 and need not be present to win. Odds of winning depend on number of entries. UFirst Federal Credit Union is Federally insured by the NCUA. Certain restrictions may apply.}

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!  

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, April 27th, 2019

9:00 am - 12:00 pm

Plattsburgh Main Branch - 274 Rugar Street

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 certificates, social security card, marriage licenses, 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 beginning April 3rd.
• 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 on Saturday, September 7th, 2019!!

Shred Day is first come, first serve. While Shred Days are scheduled 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.