Ufirst Credit Union Rouses Point NY | Affordable Auto Loans & Business Banking

Introduction

Welcome to Ufirst, your trusted financial partner right here in Rouses Point, NY! Since our establishment in 1971, we have been dedicated to serving our community and making a positive impact on the lives of our members. Located at 72 Champlain St, we pride ourselves on being more than just a credit union; we are a part of your community. With over 10,000 members and total assets exceeding $131 million, Ufirst stands strong as a reliable financial institution. Our commitment is reflected in our exceptional services, including personal banking, auto loans, mortgage financing, and business banking solutions. We understand that every member has unique needs, and our goal is to provide tailored solutions that help you achieve your financial aspirations. Our leadership team, including CEO Kasey Kirk and Board President Michele Friedman, is passionate about ensuring you receive the best possible service. Together, they guide our dedicated staff of 30 employees, who are always ready to assist you with any questions or concerns. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address at 274 Rugar St, Plattsburgh, NY 12901. At Ufirst, we believe in transparency and trust. With total deposits of $723,850 and a net worth of approximately $17.49 million, we're proud to be a secure choice for your finances. Additionally, our total loans reach an impressive count of 6051, demonstrating our commitment to supporting both individual and business growth. We invite you to explore the many ways Ufirst can enhance your financial journey. Whether you're looking to open an account or need assistance with a loan, we're just a phone call away at 518-324-5700. Visit us today or check out our website at Ufirst FCU to learn more about how we can help you achieve your financial goals!

Branch History & Mission

At Ufirst, we pride ourselves on a rich history that began in 1971. Our branch, located at 72 Champlain St in the heart of Rouses Point, NY, has been a steadfast pillar of the community for over five decades. From our humble beginnings, we have grown to serve over 10,000 members and manage total assets of $131,505,445. This journey reflects our commitment to providing personalized financial services that empower individuals and families. Our mission is simple yet powerful: to improve the financial lives of our members while fostering a strong sense of community. We believe in offering more than just banking services; we strive to be a trusted partner in helping our members achieve their dreams. Whether it's through auto loans, mortgage financing, or business banking solutions, Ufirst is dedicated to meeting the diverse needs of our community. While members can visit us at our branch address for their banking needs, official correspondence should be sent to our mailing address at 274 Rugar St, Plattsburgh, NY 12901. We are open Monday through Friday from 8:30 AM to 4:30 PM, with extended hours until 5:00 PM on Thursdays. In addition to traditional banking services, we embrace modern technology with online and mobile banking options that make managing finances easier than ever. Our branch also features ATM availability for quick cash access and shared service center capabilities for basic transactions with partner credit unions. Ufirst is more than just a credit union; we are deeply invested in our community's well-being. Through partnerships and outreach programs, we work tirelessly to support local initiatives and provide resources that uplift those around us. As we look to the future, we invite you to join the Ufirst family. Experience firsthand how our commitment to service can enhance your financial journey. Call us today at 518-324-5700 or visit our website at ufirstfcu.net to learn more about becoming a member and unlocking the benefits that await you!

Branch Location & Accessibility

Welcome to Ufirst! Conveniently located at 72 Champlain St Rouses Point Ny 12979 in the heart of Rouses Point, NY, our branch is designed to meet your banking needs with ease and comfort. We understand that accessibility is key, which is why we have ensured that our location is easy to find and navigate. If you need to send official correspondence, please note that our mailing address is 274 Rugar St, Plattsburgh, NY 12901. As you approach our branch, you'll notice its proximity to local landmarks that make it a familiar spot for residents. Whether you're coming from work or home, you can easily stop by to take care of your banking needs. We offer ample parking for our members, so you can park with confidence while you visit us. At Ufirst, we prioritize accessibility for everyone. Our facilities are ADA compliant, featuring ramps and other features to assist those who may need additional help. We're open from 8:30 AM to 4:30 PM Monday through Friday, with extended hours until 5:00 PM on Thursdays. This flexibility ensures you can find a time that works for your schedule. If you're in need of cash or quick transactions outside normal hours, you'll be pleased to know we have ATM services available right here at the branch. While we do not currently offer drive-thru banking, we invite you to enjoy the welcoming environment inside where our friendly staff is ready to assist you. We also participate in shared services with partner credit unions, making basic transactions like deposits and withdrawals even more convenient for members of those institutions. Feel free to reach out to us at (518) 324-5700 if you have any questions or need assistance before your visit. We look forward to welcoming you to Ufirst where your banking experience is made easy and accessible!

Member Eligibility

At Ufirst, we believe that everyone deserves the opportunity to be part of a community that prioritizes their financial well-being. If you're looking to join us, becoming a member is simple and welcoming! We invite individuals who live, work, worship, or attend school in the area to apply. Whether you're starting your first savings account or seeking advice on loans, our team is here to support you every step of the way. You can find more specific eligibility details. Opening an account with us is just as easy! Just visit our online enrollment page at https://online.ufirstfcu.net/auth/enrollment, and you'll be on your way to enjoying the benefits of membership, including personalized service and competitive rates. If you have any questions or need assistance, feel free to call us at (518) 324-5700. We're excited for you to join our family at Ufirst, located at 72 Champlain St Rouses Point Ny 12979!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer comprehensive merchant services that simplify payment processing and enhance customer experience. Imagine being able to accept payments anywhere whether it's at a physical location or online. This convenience not only boosts sales but also builds trust with your customers. Let us partner with you on your journey toward success. Visit us at 72 Champlain St Rouses Point Ny 12979 in Rouses Point, NY or call us at (518) 324-5700 to learn how our business banking solutions can help you achieve your goals!

Tailored Loan Options

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. This support can empower you to invest in new equipment, expand your workforce, or enhance your operations. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions tailored to your needs. - With an outstanding commercial loan portfolio of $48,066, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Solutions for Growth

If you're a business owner, our business banking services can provide essential support. From merchant services that simplify transactions to business loans designed to fuel growth, we understand the unique challenges small businesses face and are here to help them thrive.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer online and mobile banking that allows you to manage your accounts anytime, anywhere. You can pay bills, transfer funds, and check balances right from your smartphone or computer. Plus, with ATM access available at various locations, withdrawing cash is just as easy.

Credit Cards with Benefits

Our credit cards come with rewards that allow you to earn as you spend. Imagine earning cash back on purchases or points toward travel simply by using your card for everyday expenses. It's an easy way to get more from your spending while enjoying the flexibility of credit.

Financing Your Dreams

For those looking to buy a vehicle, our auto loans and vehicle financing options can make it happen. Picture driving home in your new car with manageable monthly payments that fit your budget. Additionally, if you're considering purchasing a home, our mortgage loans and refinancing options can help simplify the process and save you money in the long run.

Personal Banking Made Easy

Whether you're looking to open a checking or savings account, our personal banking services have got you covered. Imagine managing your finances effortlessly with accounts designed for your lifestyle. We offer options that fit various needs, allowing you to save for that dream vacation or manage day-to-day expenses smoothly.

Shared Branch Services

As part of our commitment to community service, we also provide basic shared branch transactions for partner credit union members. This means you can make deposits and withdrawals without hassle when visiting us or another participating location. At Ufirst, we believe banking should be straightforward and beneficial for everyone in our community. If you have any questions about our services or want to discuss how we can assist you further, feel free to reach out at (518) 324-5700 or visit us at 72 Champlain St Rouses Point Ny 12979 during our operating hours: 8:30 AM - 4:30 PM Monday through Friday, and 8:30 AM - 5:00 PM on Thursdays. Ready to take the next step? Check out our website at Ufirst Fcu for more information or start your journey by opening an account today!

Supporting Your Financial Goals

Life sometimes throws unexpected challenges your way. That's where our personal loans and debt consolidation services come in handy. Whether it's funding a home project or consolidating existing debts into one easy payment, we're here to help you navigate those financial hurdles.

Digital & Online Banking

Key Features

Imagine sending money to a friend in just a few taps! Our person-to-person transfer feature allows you to quickly send or receive funds without any hassle. And if you're concerned about security, rest assured that we offer electronic signature authorization for added peace of mind when signing documents online. We also provide e-statements, so you'll have easy access to your account statements without the clutter of paper. You can view them whenever you need, helping you keep track of your finances effortlessly. If you're looking for convenience in payments, our mobile payments feature lets you make purchases directly from your phone. It's quick and user-friendly just another way we're making banking fit into your busy lifestyle. At Ufirst, we prioritize accessibility and ease-of-use in everything we do. Our digital banking services are designed with you in mind, allowing for real-time account management while keeping your information safe and secure. Join us today and experience the future of banking!

Financial Strength

A Committed Team Ready to Serve You

We also take pride in having 29 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our total share accounts stand at 19,308, showcasing a strong and growing member base that trusts us with their finances. 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 72 Champlain St Rouses Point Ny 12979 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.*

Lending Support

Our lending capacity is robust, with $1,711 in used auto loans and $100,903,127 in total loans and leases. This means we're here to help you achieve your dreams whether it's buying a car or securing funds for other important needs. Our operational efficiency is reflected in our $-$84,072, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member-Centric Savings Solutions

Your savings are our priority. Members' funds are secured through $3,750,425 in share certificates and $2,595,379 in money market shares, providing stable and rewarding growth opportunities for all members. Unlike traditional banks, we prioritize our members. With non-member deposits at $19,348,780, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Our Strong Financial Position

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.

Reinvesting for Your Future

With $12,026,357 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. This approach allows us to support your financial goals effectively.

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. Whether you're interested in financing a new vehicle or a reliable used one, our dedicated team is here to guide you through the process. We also have refinancing options available to help you lower your monthly payments or reduce your interest rate.

Business Loans

For business owners, our outstanding commercial loans totaling $48,066 provide the capital needed to grow and expand your business. Whether it's for equipment purchases or cash flow management, we're here to support local businesses in reaching their potential. At Ufirst, we're committed to helping our members navigate their financial journeys with ease and confidence. If you're interested in exploring these options further or want to learn more about eligibility requirements, please feel free to reach out at (518) 324-5700 or visit us at 72 Champlain St Rouses Point Ny 12979. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial future starts here!

Credit Lines and Personal Loans

If you need flexibility with your finances, consider our credit lines which total $26,479,990. These lines give you the freedom to borrow when needed without having to apply for a new loan each time. Additionally, we offer unsecured credit card loans with a total of $2,001,971 helping members manage their finances effectively.

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 offer competitive rates and terms that can fit your budget, allowing you to take the step toward owning your dream home without unnecessary stress.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. By focusing on verified institutions, LendMesh guarantees that users receive accurate and reliable information about available loans.

UFIRST FEDERAL CREDIT UNION - Rouses Point, NY

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