Disclosure of Account Terms

Account Type Minimum Balance For APY Compounded/Credited Interest Rate APY
Share (Savings) $25.00 Qrtly/Qrtly 0.35% 0.35%
Share Draft (Checking) $25.00 Qrtly/Qrtly 0.10% 0.10%
Money Market
 $500      -$24,999.99
 $25,000 -$74,999.99
 $75,000 -$149,999.99
 $150,000 and up

$500.00
$25,000.00
$75,000.00
$150,000.00


Monthly/Monthly
Monthly/Monthly
Monthly/Monthly
Monthly/Monthly
 

0.40%
0.45%
0.50%
0.65%

0.40%
0.45%
0.50%
0.65%
Christmas Club $25.00 Qrtly/Qrtly 0.35% 0.35%
Vacation Club $25.00 Qrtly/Qrtly 0.35% 0.35%
Tax Club $25.00 Qrtly/Qrtly 0.35% 0.35%

APY = Annual Percentage Yield

 

IRA (Individual Retirement Account)

Account Type Minimum Balance To Open Minimum Balance For APR Compounded/Credited
Variable IRA None $25.00 Qrtly/Qrtly
1 Year IRA
Certificate
$500 $500 Qrtly/Qrtly
3 Year IRA
Certificate
$500 $500 Qrtly/Qrtly
5 Year IRA
Certificate
$500 $500 Qrtly/Qrtly

 APY = Annual Percentage Yield

 

Share Certificates

Account Type Interest Rate* Minimum Balance To Open Minimum Balance For APY APY** Compounded/Credited
6 Months 0.55% $500 $500 0.55% Monthly/Monthly
12 Months 0.70% $500 $500 0.70% Qrtly/Qrtly
18 Months 0.75% $500 $500 0.75% Qrtly/Qrtly
24 Months 1.10% $500 $500 1.10% Qrtly/Qrtly
36 Months 1.40% $500 $500 1.40% Qrtly/Qrtly
60 Months 2.48% $500 $500 2.50% Qrtly/Qrtly

*APR = Annual Percentage Rate
**APY=Annual Percentage Yield

CONTACT INFORMATION

Location & Credit Union Office Information:
215 Old Campion Road, New Hartford, New York 13413-4953

Office Hours:
Monday - Friday 7:30am-4:00pm
Drive-Thru Window Hours:
Monday - Friday 6:30am-4:00pm

Telephone: 1-315-733-1596
Toll-Free: 1-800-990-7499
Fax: 1-315-733-0228

E-mail:
ugefcu@ugefcu.com

Supervisory Committee: supervisoryc@ugefcu.com

Access to your account by phone, 24-Hours a Day,
7 Days a Week

1-315-733-1592

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