Ufirst Federal Credit Union

Overview / Commentary

www.ufirstfcu.net

518-324-5700

274 Rugar St
Plattsburgh, NY 12901

Ufirst Federal Credit Union is headquartered in Plattsburgh and is the 84^th largest credit union in the state of New York. It is also the 1,722^nd largest credit union in the nation. It was established in 1971 and as of June of 2021, it had grown to 26 employees and 9,083 members at 4 locations. Ufirst Federal Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in and businesses and other legal entities located in Clinton County, New York.
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Health

A+

Data as of Q2 2021

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Health Grade Components

Overall
NCUA #	20613
Year Chartered	1971
Employees	26
Primary Regulator

Profit Margin
Return on Assets - YTD	0.34%
Return on Equity - YTD	3.34%
Annual Interest Income	$1.8MM

Assets and Liabilities
Assets	Q2 2021vs Q2 2020	$110.4MM$95.7MM
Loans	Q2 2021vs Q2 2020	$64.2MM$58.9MM
Deposits	Q2 2021vs Q2 2020	$98.3MM$83.7MM
Equity Capital	Q2 2021vs Q2 2020	$11.0MM$10.7MM
Loan Loss Allowance	Q2 2021vs Q2 2020	$200.00K$157.00K
Unbacked Noncurrent Loans	Q2 2021vs Q2 2020	$23.00K$114.00K
Real Estate Owned	Q2 2021vs Q2 2020	$0$0

Rates

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Savings
Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ufirst Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%^*	$10k^*	-	IRA Account
OTHER TIERS: 0.30% → $2k - $10k
0.10%^*	$10k^*	-	Share Savings Account
OTHER TIERS: 0.05% → $101 - $10k
0.05%	-	-	Holiday Club Account
0.05%	-	-	Savings for U

Ufirst Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$20k	-	Money Market Account w/ Draft
0.13%	$20k	-	Money Market Account w/o Draft

Ufirst Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.70%^*	$10k^*	-	48 Month CD w/ Draft
OTHER TIERS: 0.60% → $500 - $5k \| 0.65% → $5k - $10k
0.60%^*	$10k^*	-	48 Month CD w/o Draft
OTHER TIERS: 0.45% → $500 - $5k \| 0.50% → $5k - $10k
0.55%^*	$10k^*	-	36 Month CD w/ Draft
OTHER TIERS: 0.50% → $500 - $5k \| 0.52% → $5k - $10k
0.50%	$25	-	12 Month Lucky Savers CD w/ Draft
0.50%	$25	-	12 Month Lucky Savers CD w/o Draft
0.50%	$25	-	12 Month Savings Builder CD w/ Draft
0.45%^*	$10k^*	-	36 Month CD w/o Draft
OTHER TIERS: 0.40% → $500 - $5k \| 0.42% → $5k - $10k
0.45%^*	$10k^*	-	24 Month CD w/ Draft
OTHER TIERS: 0.40% → $500 - $5k \| 0.42% → $5k - $10k
0.35%^*	$10k^*	-	24 Month CD w/o Draft
OTHER TIERS: 0.30% → $500 - $5k \| 0.32% → $5k - $10k
0.35%^*	$10k^*	-	12 Month CD w/ Draft
OTHER TIERS: 0.30% → $500 - $5k \| 0.32% → $5k - $10k
0.35%	$25	-	12 Month Savings Builder CD w/o Draft
0.29%^*	$10k^*	-	6 Month CD w/ Draft
OTHER TIERS: 0.25% → $500 - $5k \| 0.27% → $5k - $10k
0.25%^*	$10k^*	-	12 Month CD w/o Draft
OTHER TIERS: 0.20% → $500 - $5k \| 0.22% → $5k - $10k
0.19%^*	$10k^*	-	6 Month CD w/o Draft
OTHER TIERS: 0.15% → $500 - $5k \| 0.17% → $5k - $10k

Ufirst Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.70%^*	$10k^*	-	48 Month IRA w/ Draft
OTHER TIERS: 0.60% → $500 - $5k \| 0.65% → $5k - $10k
0.60%^*	$10k^*	-	48 Month IRA w/o Draft
OTHER TIERS: 0.45% → $500 - $5k \| 0.50% → $5k - $10k
0.55%^*	$10k^*	-	36 Month IRA w/ Draft
OTHER TIERS: 0.50% → $500 - $5k \| 0.52% → $5k - $10k
0.45%^*	$10k^*	-	24 Month IRA w/ Draft
OTHER TIERS: 0.40% → $500 - $5k \| 0.42% → $5k - $10k
0.45%^*	$10k^*	-	36 Month IRA w/o Draft
OTHER TIERS: 0.40% → $500 - $5k \| 0.42% → $5k - $10k
0.35%^*	$10k^*	-	12 Month IRA w/ Draft
OTHER TIERS: 0.30% → $500 - $5k \| 0.32% → $5k - $10k
0.35%^*	$10k^*	-	24 Month IRA w/o Draft
OTHER TIERS: 0.30% → $500 - $5k \| 0.32% → $5k - $10k
0.29%^*	$10k^*	-	6 Month IRA w/ Draft
OTHER TIERS: 0.25% → $500 - $5k \| 0.27% → $5k - $10k
0.25%^*	$10k^*	-	12 Month IRA w/o Draft
OTHER TIERS: 0.20% → $500 - $5k \| 0.22% → $5k - $10k
0.19%^*	$10k^*	-	6 Month IRA w/o Draft
OTHER TIERS: 0.15% → $500 - $5k \| 0.17% → $5k - $10k

Locations

Ufirst Federal Credit Union Locations
Branch Office	72 Champlain St	Rouses Point, NY 12979
Branch Office	101 Broad St College Angell Center	Plattsburgh, NY 12901
Branch Office	274 Rugar St	Plattsburgh, NY 12901
Branch Office	53 Weed St	Plattsburgh, NY 12901-1259

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