Angel Tree

November 30th, 2017

This holiday season we are partnering with the Salvation Army to make a difference in children's lives.  Please help us by choosing a tag from the tree, purchasing items and returning them to the credit union by December 15, 2017.  If you would rather not shop, we will accept monetary donations and do the shopping for you. Thank you for your help this holiday season.

Scholarship Applications

November 13th, 2017

UGEFCU Now Accepting College Scholarship Applications (click here for application)

Utica Gas & Electric FCU is offering college-bound high school seniors the opportunity to compete for two $500 UGEFCU scholarships in addition to statewide college scholarships through the New York Credit Union Association's Scholarship Program. Statewide scholarships will be awarded ranging from $500 to $1,500 and may be used at a two- or four-year accredited educational institution.

Students can take advantage of this opportunity by completing three simple steps:

  1. Stop in to request a scholarship application form, or click here to download an electronic application.  All scholarship applicants are required to be members of Utica Gas & Electric FCU.

  2. Complete the application form and required essay and obtain the required transcripts, along with the signature of a parent or guardian.

  3. Return the completed application and supportive materials to no later than January 5, 2018.

There is no fee for submitting an application, but applicants MUST be:

  • members of UGEFCU;

  • college-bound high school seniors at the time of application; and

  • attending either a two- or four-year accredited educational institution for the first time in the fall of 2018.

WInner notifications will be sent in May 2018.


October 5th, 2017

Our Fall Newsletter contains information about our International Credit Union Day Celebration, New ScoreCard Rewards, Credit Score Monitoring and more!

We've added several new features to the website:

  1. Chip Debit Cards
  2. New ScoreCard Reward Redemption Options
  3. Financial Education Videos
  4. Log in to online banking and activate your credit score monitoring

Protect Yourself from Identity Theft

September 22nd, 2017

Due to the recent Equifax breach, some members could be at risk from criminals using their stolen information to fraudulently open accounts.  This means identity theft is the threat from this breach.  You can visit Equifax's website to determine if you were potentially impacted.  To find out, you will have to enter part of your social security number along with your last name.  The results will tell you whether they believe your personal information was not impacted or may have been impacted by this incident.

Either way, you should sign up for the free TrustedID Premier credit file monitoring and identity theft protection.

Then, take the following steps to protect your identity:

  • Don't respond to emails, texts or telephone calls asking for personal or financial information.
  • Frequently review account activity and immediately report unauthorized transactions.
  • Place an initial fraud alert with a credit bureau, which is free and will apply to all the credit bureaus.
  • Consider the benefits and drawbacks of credit freezes, which are more secure and longer-term than fraud alerts, but more restrictive.
  • Always use multi-factor authentication when available.
  • Update PINs and passwords, including email passwords, and follow best practices (i.e.: using long and complex phrases, and never re-using passwords).
  • Enroll and opt-in for transaction monitoring.
  • Enroll in Verified by VISA / MasterCard Secure Code.

If you'd like to place an initial fraud alert, contact one of the bureau's fraud division: Experian, 888-397-3742; TransUnion, 800-680-7289; Equifax, 800-525-6285.

ID Theft Toolkit

Monitor Your Credit Score & Credit Report in Home Banking

You can monitor your credit report by activating the Credit Score box in home banking.  This is a new service offered to help you understand and improve your credit score.  It's also a great tool to monitor loans being reported in your name.

We are providing this service in partnership with TransUnion.  At this time, our regular loans do not report to TransUnion but our VISA Credit Cards do so you will not see regular loans in your credit report account list.  We are preparing to report to them so you will see a change in the near future.

Please call or email with any questions.

Set Up Visa Credit Card Alerts in eZCard

It's easy to monitor the activity on your credit card by setting up alerts.  Just log in to your Visa account and set up the alerts you'd like.  A few examples of the alerts available:

  • A single transaction exceeds
  • Available credit drops below
  • Payment due in X days
  • and many more.

Our Mobile App is Here!

May 11th, 2017

NEW FEATURE: Deposit checks from your living room with Remote Deposit Capture. Important facts you should know: 2 day hold on deposits, max amount = $3,000.00, cut off time = 2:45pm.

Our smartphone app puts a UGEFCU branch in your pocket 24/7. The app is free for our members and helps you stay connected to your money no matter where your travels take you. Just log on to Home Banking to activate Mobile Banking. App Code: MobileUGEFCU  Click here for detailed instructions.  Then take us anywhere. With our smartphone app, you can:

  • Deposit checks
  • View your account balances
  • Check your transaction history
  • Transfer funds
  • Pay bills
  • Pay UGEFCU loans
  • Locate a surcharge free ATM

If you need assistance or have any question, please call us at 315-733-1596.

Share Us With Your Family

May 18th, 2016

Family – All of your relatives are eligible for membership in our credit union.  Talk to them today about becoming part of our credit union family and taking advantage of:

  1. Low loan rates

  2. Great saving and certificate rates

  3. E-statements, online and mobile account access

  4. Direct deposit with Surcharge free ATM access worldwide

Friends – Your friends may already be eligible to join if they work for one of our Select Employee Groups.  For example, Town of New Hartford employees and their relatives can join. 

*Membership eligibility restrictions apply but we'd love to talk to you about making your friends eligible.  Call 315-733-1596 for details. 

Bill Pay Site

April 1st, 2016

  • The Bill Payment System - Access through ACCOUNT ACCESS
  • After you log in to ONLINE BANKING, hover over BILL PAYMENT and click on Enrollment Options
  • Follow the prompts to ENROLL
  • NEXT, hover over BILL PAYMENT and click on Pay Bills
  • You will need to TURN OFF YOUR POP UP BLOCKER
  • Call 315-733-1596 for assistance
  • DEMO


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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