Ufirst Credit Union Plattsburgh NY | Affordable Auto Loans & Business Banking

Introduction

At Ufirst, we believe that financial institutions should be as dedicated to their members as they are to their own growth. Located at 274 Rugar St, Plattsburgh, NY 12901, our branch has been serving the community since 1971. With a commitment to providing personalized financial services, we've grown to support over 10,000 members with a total of $131,505,445 in assets. Our mission is simple: to empower you on your financial journey. Whether you're looking for an auto loan, mortgage refinancing, or personal banking solutions, our team is here to help you every step of the way. Under the leadership of CEO Kasey Kirk and Board President Michele Friedman, we pride ourselves on being more than just a credit union; we're your neighbor and partner in achieving financial success. While members can visit us at our branch location, official correspondence should be sent to the same address: 274 Rugar St, Plattsburgh, NY 12901. We offer a variety of services including checking and savings accounts, business banking options, and convenient online and mobile banking features. With 30 employees ready to assist you and a robust network of services tailored for our community's needs, Ufirst stands out as a reliable choice for your financial needs. Our total deposits reach an impressive $723,850, ensuring that we have the resources necessary to support you. We invite you to explore our offerings further at Ufirst's website or give us a call at 518-324-5700. Discover how we can help you achieve your financial goals today!

Branch History & Mission

At Ufirst, we take great pride in our rich history and the mission that drives us every day. Founded in 1971, our branch has been a cornerstone of the Plattsburgh community for over five decades. Located at 274 Rugar St, Plattsburgh, NY 12901, we have grown alongside our members, evolving to meet their financial needs while staying true to our core values of service and community support. From our humble beginnings, Ufirst has steadily expanded its offerings and services. Today, we proudly serve over 10,000 members with total assets exceeding $131 million. Our growth is not just measured in numbers but also in the relationships we've built within the community. We are committed to providing a wide range of financial products including personal banking, auto loans, mortgages, and business services. Our drive-thru service and ATM availability make banking easy and accessible for everyone. Our mission is simple yet profound: to empower our members by providing exceptional financial services while fostering a sense of belonging and community support. We believe that everyone deserves access to financial tools that can help them achieve their goals. Whether it's saving for a home or financing a new vehicle, Ufirst is here to guide our members every step of the way. In addition to our traditional banking services, we embrace technology to enhance your experience. With online banking and mobile payment options, managing your finances has never been easier. We prioritize ADA compliance and customer-centric initiatives to ensure that all our members feel welcomed and valued. Ufirst also takes pride in its active involvement in local outreach efforts. We partner with various organizations to provide support where it's needed most in our community. From educational workshops to charity events, we strive to make a positive impact beyond just banking. While you can visit us at our branch location at 274 Rugar St for all your banking needs, official correspondence should be directed to the same address for convenience. We invite you to become a part of Ufirst's legacy! Join us today and experience firsthand how we can help you reach your financial aspirations while being part of a caring community. For more information or assistance, feel free to contact us at 518-324-5700 or explore our website at Ufirst. Your journey toward financial empowerment starts here!

Branch Location & Accessibility

Connect With Us

Have questions or want to learn more? Don't hesitate to reach out! You can give us a call at 518-324-5700. We invite you to stop by Ufirst today let us help you achieve your financial goals with personalized service and expert guidance!

Convenience and Accessibility

At Ufirst, we understand that your time is valuable. That's why our branch features both ATM availability and a drive-thru service for those quick transactions. Our facility is designed with accessibility in mind, ensuring that everyone can easily navigate our space. With ADA-compliant features and ample parking, visiting us is hassle-free.

Operating Hours

We know life gets busy, which is why our lobby hours are tailored to fit your schedule. You can visit us Monday through Friday from 8:30 AM to 4:30 PM, with extended hours until 5:00 PM on Thursdays. Need to stop by on Saturday? We're open from 8:30 AM to noon for your convenience!

Services Offered

At Ufirst, we're proud to offer a variety of services that cater to your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have you covered. Our friendly staff is always ready to assist you with any inquiries or transactions you might have. For official correspondence, while members can visit us at our branch address, please send mail to the same address: 274 Rugar St, Plattsburgh, NY 12901.

Member Eligibility

At Ufirst, we believe that everyone deserves a chance to be part of a supportive community. Becoming a member is straightforward and welcoming! If you live, work, worship, or attend school in the Plattsburgh area, you're already eligible to join us. We pride ourselves on offering personal banking services tailored to your needs, from checking and savings accounts to auto loans and mortgages. The process of opening an account is simple just visit us at 274 Rugar St Plattsburgh Ny 12901 or check out our online application at https://online.ufirstfcu.net/auth/enrollment. If you have any questions or need assistance, feel free to give us a call at (518) 324-5700. For more detailed eligibility criteria, take a look at our resource here. We can't wait for you to join our family!

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $48,066, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Needs

Beyond loans, our merchant services offer practical tools that streamline your operations. Imagine being able to accept payments easily, manage transactions efficiently, and focus on what you do best running your business! Our services are crafted to provide you with peace of mind so you can concentrate on serving your customers. Discover how Ufirst can be your partner in success. Visit us at 274 Rugar St Plattsburgh Ny 12901 or give us a call at (518) 324-5700 to learn more about how we can help your business flourish!

Comprehensive List Of Services

Business Banking Solutions

For our business members, we have tailored services like merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, we're equipped to support your goals with financial solutions that fit your business model.

Convenience at Your Fingertips

To enhance your banking experience, we also offer ATM and cash withdrawal services, ensuring you can access cash whenever necessary without hassle. Our drive-thru banking provides a quick way to handle deposits and withdrawals without leaving your car perfect for busy days when time is of the essence!

Loans That Fit Your Life

If you're considering purchasing a vehicle or refinancing your home, our auto loans and mortgage options are here for you. With competitive rates and flexible terms, financing your dreams has never been easier. Additionally, we provide personal loans that can assist with debt consolidation or unexpected expenses. Picture this: You find yourself in need of extra cash for a home project or an emergency repair; our personal loan options can be a reliable safety net.

Personal Banking Made Easy

Starting with personal banking, we offer checking and savings accounts designed to help you manage your money effectively. Imagine having easy access to your funds whenever you need them; our online and mobile banking features allow you to check balances, transfer funds, and pay bills right from your smartphone. You can even enjoy the convenience of mobile payments, ensuring that your finances are just a tap away.

Shared Branching Access

If you're a member of another credit union, you'll appreciate our shared branch transactions where you can make deposits and withdrawals seamlessly. This feature expands your access to funds while maintaining the personalized service that sets us apart. At Ufirst, we strive to create an inclusive environment where all members feel valued. Our friendly staff is always ready to assist you with any questions regarding our services or help guide you through the application processes. For more information about how we can serve you better, don't hesitate to reach out! Call us at (518) 324-5700 or visit our website at https://www.ufirstfcu.net/ today. Join us at Ufirst your partner in achieving financial success!

Digital & Online Banking

Key Features

With 24/7 online banking services, you can check balances, transfer funds, and pay bills whenever it suits you. No need to rush to the branch; everything you need is just a few clicks away. Our mobile application further enhances this experience, allowing you to manage your finances right from your smartphone. Enjoy features like mobile payments, which let you make secure transactions without needing cash or cards. We also provide electronic signature authorization, making it simple to sign documents digitally. This feature not only saves time but also keeps your transactions secure and efficient. Plus, with e-statements available, you'll receive quick access to your account statements without the clutter of paper.

Stay Connected with Person-to-Person Transfers

Need to send money to a friend? Our person-to-person transfer service makes it easy to send funds directly from your account to theirs. It's fast, safe, and perfect for splitting bills or sending gifts. At Ufirst, we prioritize your banking experience by ensuring our digital tools are not just accessible but also secure. You can bank with confidence knowing that your information is protected every step of the way. Explore all that our digital banking services have to offer and take control of your financial journey today!

Financial Strength

Dedicated Team Ready to Serve You

We are proud to have a dedicated team of 29 full-time employees and 1 part-time employees ready to assist you. This ensures that our branches are always prepared to serve you with knowledgeable support tailored to your needs.

Growing Member Base

Our strength is also reflected in the trust placed in us by our members, evidenced by our total share accounts reaching 19,308. This growing member base shows that more people are choosing Ufirst as their trusted financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ufirst is your trusted partner. Visit us at 274 Rugar St Plattsburgh Ny 12901 or call (518) 324-5700 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Member-Centric Savings Solutions

Your savings are secure with us. We have $3,750,425 in share certificates and $2,595,379 in money market shares, which provide you with stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members' needs. With non-member deposits at $19,348,780, we focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $17,491,196, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 13.29% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Earnings for Better Services

Our commitment to our members is further reflected in our financial performance. With $12,026,357 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve you better. Our lending capacity supports your financial goals across various sectors with $1,711 in used auto loans and $100,903,127 in total loans and leases. Additionally, our impressive $-$84,072 showcases our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $33,771,183 in used vehicle loans and $18,922,792 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to ensure you find the right fit for your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $48,066 provide the capital needed to grow and expand. We understand the challenges that come with running a business and are here to support you every step of the way. At Ufirst, we aim to provide clear options that suit your needs. If you're interested in learning more about eligibility or refinancing options available for any of these products, don't hesitate to reach out. You can contact us at 518-324-5700 or visit our website at Ufirst FCU for more information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $10,180,498, make buying or refinancing simple. We also provide refinancing options to help you lower your payments or tap into your home equity.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,001,971 in loans helping members manage their finances effectively. Our credit cards come with rewards and are designed to give you peace of mind while handling everyday expenses.

Loan Aggregator

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UFIRST FEDERAL CREDIT UNION - Plattsburgh, NY

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