Ufirst Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.25%	1-year CD	12 Month CD w/o Draft 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.10%	Savings	Share Account 1.30% - Nationwide Bank Online Savings Account
0.60%	4-year CD	48 Month CD w/o Draft 2.40% - Goldman Sachs Bank USA High-yield 4 Year CD

View all Ufirst Federal Credit Union rates »

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 92^nd largest credit union in the state of New York. It is also the 1,915^th largest credit union in the nation. It was established in 1971 and as of December of 2017, it had grown to 23 employees and 8,150 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.
See current membership details

Reviews

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Health

A

Data as of Q4 2017

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Ufirst Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	20613
Year Chartered	1971
Employees	23
Primary Regulator

Profit Margin
Return on Assets - YTD	1.66%
Return on Equity - YTD	13.73%
Annual Interest Income	$2.7MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$73.1MM$63.8MM
Loans	Q4 2017vs Q4 2016	$47.1MM$36.1MM
Deposits	Q4 2017vs Q4 2016	$65.1MM$55.5MM
Equity Capital	Q4 2017vs Q4 2016	$9.0MM$7.6MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$172.00K$161.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$213.00K$151.00K
Real Estate Owned	Q4 2017vs Q4 2016	$0$0

Rates

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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 Account
OTHER TIERS: 0.05% → $100 - $10k
0.05%	-	-	Vacation Club
0.05%	-	-	Christmas Club

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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