Utica Gas & Electric Emp CU New Hartford NY | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Utica Gas & Electric Emp, your trusted financial partner in the heart of New Hartford, NY. Located at 215 Old Campion Rd, our credit union has been serving members since 1937, creating a welcoming community where everyone can thrive financially. With a strong commitment to our members, we take pride in helping over 3,560 individuals achieve their financial dreams. At Utica Gas & Electric Emp, we understand that every member's needs are unique. That's why we offer a variety of services, including personal banking options such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our dedicated team of 10 employees, led by CEO Lori Brown and Board President Theodore Pytel Jr., is here to provide personalized service tailored to your specific goals. Financial stability is crucial, and we are proud to report total assets of $114,678,042 and total deposits amounting to $564,080. This solid foundation allows us to offer competitive loan options with a total of 3,263 loans and leases currently in place. Additionally, we maintain a net worth of $19,225,755, ensuring you can trust us with your finances. For official correspondence, please use our mailing address: 215 Old Campion Rd, New Hartford, NY 13413-4953. We invite you to explore our website at ugefcu.com for more information about our services or to contact us directly at 315-733-1596. Join us today and discover how Utica Gas & Electric Emp can make a positive difference in your financial life!

Branch History & Mission

Community Engagement

Utica Gas & Electric Emp is not just a financial institution; we are deeply rooted in community engagement. We actively seek out partnerships and outreach opportunities that allow us to give back. From sponsoring local events to supporting educational initiatives, we aim to uplift those around us.

Join Us Today

As we look ahead to the future, we invite you to become part of our growing family at Utica Gas & Electric Emp. Experience the benefits of being a member-focused credit union that prioritizes your needs. Whether you're looking for reliable banking services or seeking support within your community, we are here for you. Visit us today or check out more information on our website at ugefcu.com. Together, let's build a stronger financial future!

Modern Services

In addition to our traditional offerings, we've embraced modern banking conveniences. Our branch operates with customer-friendly hours from 6:30 AM to 4:00 PM, Monday through Friday. While we do not have ATMs on-site, our drive-thru banking service allows for quick deposits and withdrawals for those on the go.

Our Mission

The mission of Utica Gas & Electric Emp is clear: we strive to provide exceptional financial services while fostering a supportive environment for all members. We believe in building strong relationships based on trust and transparency. Our services range from personal banking options like checking and savings accounts to auto loans, mortgages, credit cards with rewards, and business banking solutions. We understand that financial well-being goes beyond transactions; it's about empowering our members to achieve their goals. Whether it's through personal loans or debt consolidation, we aim to offer solutions that fit each member's unique needs. While members can visit us at 215 Old Campion Rd, official correspondence should be sent to 215 Old Campion Rd, New Hartford, NY 13413-4953.

Branch Location & Accessibility

Accessibility Features

At Utica Gas & Electric Emp, we prioritize accessibility for all members. Our branch is ADA compliant with ramps and designated parking spaces available for those who need them. Whether you're visiting us in person or using our drive-thru service, we aim to make your banking experience as smooth as possible.

Connect With Us

Have questions? Don't hesitate to call us at 315-733-1596. We invite you to visit Utica Gas & Electric Emp today! Let us help you achieve your financial goals in a comfortable and supportive environment.

Nearby Landmarks

Situated near popular local spots, we are just a short drive from the New Hartford Shopping Center and close to several parks, making it easy to stop by while running errands or enjoying a day out.

Operating Hours and Services

We're here to serve you Monday through Friday from 6:30 AM to 4:00 PM. Our team is ready to assist with a variety of services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. Although we do not offer ATM services at this location, our drive-thru provides basic banking options such as deposits and withdrawals for your convenience.

Member Eligibility

Joining the Utica Gas & Electric Emp community means becoming part of a supportive network that truly cares about its members. If you're looking to become a member, you'll be pleased to know that eligibility is straightforward and inclusive. Generally, those who work for or are retired from local utilities and their families can apply. This means if you're connected to the energy sector in any way, you might just be one step away from joining us! For more detailed eligibility criteria, feel free to visit our website at ugefcu.com. Opening an account with us is a breeze! Just head over to our account opening page at this link, where you'll find everything you need to get started. If you have any questions along the way, don't hesitate to reach out at 315-733-1596. We're here to help you every step of the way as you take this exciting leap into membership at Utica Gas & Electric Emp, located conveniently at 215 Old Campion Rd, New Hartford, NY 13413.

Business Banking & Commercial Services

Practical Merchant Services

Imagine having the tools you need to streamline your payment processes. Our merchant services offer exactly that, allowing you to accept payments easily and securely, so you can focus more on serving your customers. From card processing solutions to online payment options, we provide the support necessary for your business's day-to-day operations. Located at 215 Old Campion Rd New Hartford Ny 13413 in New Hartford, NY, we invite you to explore how our personalized banking solutions can fuel your business ambitions. Reach out today at (315) 733-1596 to learn more!

Tailored Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $46 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $6,848,119, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For small business owners in our community, we offer specialized services such as merchant services and business loans that cater specifically to your needs. We know running a business requires both time and resources; thus, our team is committed to helping local entrepreneurs thrive.

Convenient Access

While we have traditional banking hours from 6:30 AM to 4:00 PM Monday through Friday, we also provide convenient access through our drive-thru banking facilities. This allows members to complete simple transactions like deposits and withdrawals without leaving their vehicles perfect for those busy days! If you have any questions about our services or want assistance in finding the right financial product for you, don't hesitate to reach out! Call us at 315-733-1596 or visit us online at ugefcu.com for more information. At Utica Gas & Electric Emp, we're here to support your financial journey every step of the way!

Credit Options

We also recognize that unexpected expenses can arise at any time. That's where our personal loans and debt consolidation services come into play. Whether you need funds for home repairs or want to simplify your monthly payments, we have options available to fit various financial circumstances. Plus, our credit cards with rewards allow you to earn points on everyday purchases who doesn't love earning rewards while spending?

Personal Banking Solutions

For individuals and families, we understand that managing finances can sometimes feel overwhelming. That's why we offer checking and savings accounts designed with your daily needs in mind. Imagine having easy access to your funds whenever you need them, whether it's for everyday purchases or saving for future goals. With our online and mobile banking options, you can check your balance, transfer money, or pay bills right from your smartphone or computer. When it comes to financing your next vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms that make buying a car easier than ever. Perhaps you're thinking about purchasing a new home? Our mortgage loans and refinancing services can guide you through the process smoothly, helping you find the best solution for your situation.

Digital & Online Banking

Key Services

With our online banking platform, available at https://www.ugefcu.com/, you can check your account balances, pay bills, and transfer money all from the comfort of your home or on the go. Whether you're using a computer or your smartphone, our 24/7 online banking services ensure that you have real-time access to your accounts whenever you need it. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick just a few taps on your phone and you're done! Plus, if you're looking for a more eco-friendly option, you can opt for e-statements. Enjoy instant access to your financial statements without the clutter of paper all while helping the environment.

Security and Convenience

Security is paramount at Utica Gas & Electric Emp. We provide electronic signature authorization for transactions, ensuring that your information stays safe while allowing you to sign documents digitally. You can also take advantage of mobile payments, making transactions effortless with just your smartphone no wallet required! While we currently do not have a dedicated mobile application, our website is fully optimized for mobile use so you can still enjoy all the benefits of online banking right from your phone. At Utica Gas & Electric Emp, we're committed to providing you with easy-to-use tools that put you in control of your finances. Experience the freedom of managing your money anytime, anywhere!

Financial Strength

At Utica Gas & Electric Emp, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With a commitment to transparency and reliability, we want you to feel confident in your choice of credit union. With a net worth of $19,225,755, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 16.76% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $33,299,247 in share certificates and $14,319,984 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. We are proud of our $17,449,088 in undivided earnings, which allow us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $377 in used auto loans and $95,142,960 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our $518,959 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 9 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts: 8,270, showing 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, Utica Gas & Electric Emp is your trusted partner. Visit us at 215 Old Campion Rd New Hartford Ny 13413 or call (315) 733-1596 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $6,583,471 in used vehicle loans and $8,439,923 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable used car, our financing options can make your purchase smoother.

Business Financing

For business owners, our outstanding commercial loans totaling $6,848,119 provide the capital needed to grow and expand. We're committed to supporting local businesses with personalized service and competitive rates.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $16,711,584, make buying or refinancing simple. We provide support every step of the way, ensuring you understand your options and feel confident in your decisions.

Refinancing Options

If you're considering refinancing existing loans or exploring eligibility options for any of our products, our team is here to assist you. We can help you understand how refinancing might lower your monthly payments or consolidate your debt. At Utica Gas & Electric Emp, we're dedicated to providing accessible financial solutions that fit your lifestyle. For more information about our loan offerings or to get started today, please reach out at (315) 733-1596 or visit us at 215 Old Campion Rd New Hartford Ny 13413 in New Hartford, NY. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

Managing day-to-day expenses can be tricky, but our unsecured credit card loans are here to help. With a total of $1,561,728 in loans available, our flexible terms allow you to manage your finances effectively without the stress of complicated repayment schedules.

Loan Aggregator

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Ensuring Accurate Comparisons

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UTICA GAS & ELECTRIC EMP FEDERAL CREDIT UNION - New Hartford, NY

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