Summer Loan Special

What would you do with $5,000 at 3.80%APR*?

One way to simplify your finances is to pay off a higher rate debt, set up automatic payments and receive one less bill each month.  This would also be a great way to finance a vacation, home improvements, back to school shopping and much, much more.  Apply today!

*Annual Percentage Rate. Credit restrictions apply.  Rate valid for members with credit score of 640 or higher.  Unsecured loan rate includes .25% reduction for direct deposit, VISA or automatic loan payment from a UGEFCU account.  Offer does not apply to loans currently finances at UGEFCU or single payment loans.  Special rates are subject to change without notice.  We reserve the right to decline a loan request due to credit conditions.

From auto loans to home loans to Visa® credit cards and more, we offer competitive rates, a variety of loan options, and excellent service that help you make smart financial decisions and save you money!

Thinking of buying a new or used car?

Check out our auto loan section for information on our simple process, flexible loan terms, great rates, as well as payment calculators.

Use our Car Shopper Center to search for your new car.


Learn about the many benefits our UGEFCU Visa has to offer our members. Enjoy competitive rates and worldwide access when you select a Classic Visa card or earn ScoreCard® points with a Platinum Visa card.

And if you're looking for a home loan, our home equity options and mortgages have all the features you need for your next home loan.

The cost of college continues to rise. We offer a student loan option which is designed to help you cover all of your college costs after you've exhausted all of your other financial aid options. These options include federal, state, and institutional grants and loans. With an easy online application, it's that extra financial aid you need for college without the hassle and headaches.
No matter what you need or when you need to borrow, you'll find outstanding value and great service at UGEFCU.


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


Supervisory Committee:

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


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