United Nations Federal Credit Union is headquartered in Long Island City and is the 3rd largest credit union in the state of New York. It is also the 24th largest credit union in the nation. It was established in 1947 and as of March of 2025, it had grown to 765 employees and 252,595 members at 3 locations. United Nations Federal Credit Union's CD rates are 3X the national average, and it has an A health rating.
Field of Membership Restrictions
Membership is open to residents of the United States who are members of the United Nations Association of the USA ($25 membership fee) or Friends of Kilimanjaro Initiative ($10 yearly membership fee). Membership is also open to employees, consultants, and retirees of the United Nations and affiliated agencies.
See current membership details
Worst Credit Union Ever!
UNFCU is bureaucratic to the extreme! They won't consider individual circumstances and don't care about its members to the slightest! They will instead provide a canned reply to all your attempts at resolving an issue. Plain and simple, UNFCU sucks!!!
Fraudulent Chargebacks Initiated By UNFCU
UNFCU would initiate fraudulent chargebacks claiming fraudulent double charges by merchant on their customer's card (which is a lie).
Merchants! Do not accept UNFCU cards as payment or risk huge losses in unfair (and fraudulent) chargebacks.
Contacting UNFCU is an arduous process and they respond with joke answers, addressing you with a wrong name and giving you a wrong answer all the time. Most of emails are never responded by UNFCU but they send many emails with their typical request for a SURVEY to be filled out, which ends up in the following:
ERROR 20
survey.unfcu.org
Dear Valued Member:
Thank you for your recent contact to our Call Center. UNFCU strives to provide quality service at all times and values direct feedback from our customers. Accordingly, we would appreciate you taking a few moments to answer the attached survey pertaining to your recent experience with our Member Service Representative.
SURVEY
Please be assured that this information will remain confidential. Thank you for taking the time to participate in the survey.
Sincerely,
Member Directed Services
United Nations Federal Credit Union
[email protected]
unfcu.org
No one responds your inquiry, but a survey request is sent each time you email them.
Remember: UNFCU initiates chargebacks claiming double charges, while the goods were already delivered to the customer. The credit card processor confirms that there indeed were NO double charges, but UNFCU proceeds to retract funds in a fraudulent-on-their-side chargeback.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 5588 |
| Year Chartered | 1947 |
| Employees | 765 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.96% |
| Return on Equity - YTD | 10.98% |
| Annual Interest Income | $94MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $9.87B$9.12B |
| Loans | Q1 2025vs Q1 2024 | $5.89B$5.59B |
| Deposits | Q1 2025vs Q1 2024 | $8.96B$8.36B |
| Equity Capital | Q1 2025vs Q1 2024 | $853MM$702.7MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $37.7MM$29.1MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $15.3MM$12.5MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$658K |