United Nations Federal Credit Union

Overview / Commentary
2401 44Th Rd
Long Island City, NY 11101

United Nations Federal Credit Union is headquartered in Long Island City and is the 5th largest credit union in the state of New York. It is also the 32nd largest credit union in the nation. It was established in 1947 and as of March of 2024, it had grown to 746 employees and 233,935 members at 3 locations. United Nations Federal Credit Union's CD rates are 4X 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

Reviews (2)

Worst Credit Union Ever!

Posted by: |

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

Posted by: |

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:


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.
Please be assured that this information will remain confidential. Thank you for taking the time to participate in the survey.
Member Directed Services
United Nations Federal Credit Union
[email protected]

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.


Health Grade Components

NCUA #5588
Year Chartered1947
Primary Regulator
Profit Margin
Return on Assets - YTD1.51%
Return on Equity - YTD19.41%
Annual Interest Income$81.5MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$9.12B$8.17B
LoansQ1 2024vs Q1 2023$5.59B$5.2B
DepositsQ1 2024vs Q1 2023$8.36B$7.52B
Equity CapitalQ1 2024vs Q1 2023$702.7MM$607.3MM
Loan Loss AllowanceQ1 2024vs Q1 2023$29.1MM$27MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$12.5MM$7.1MM
Real Estate OwnedQ1 2024vs Q1 2023$658K$0
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Always verify rates and promotions with the bank or credit union. We are not United Nations Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

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

United Nations Federal Credit Union Savings Account Rates

1.75%*$200k*-High Yield Savings
OTHER TIERS: 1.30% $0 - $2.5k | 1.35% $2.5k - $25k | 1.45% $25k - $50k | 1.50% $50k+
0.05%$500-IRA Savings

United Nations Federal Credit Union Checking Account Rates

1.00%*$0$15kPremium Checking
OTHER TIERS: 0.05% $15k+
0.05%$0-Checking Account

United Nations Federal Credit Union CD Rates

4.10%$500-3 Month Share Certificate
3.90%$500-9 Month Share Certificate
3.75%$500-6 Month Share Certificate
3.50%$500-12 Month Share Certificate
3.50%$500-12 Month Impact Share Certificate
3.25%$500-18 Month Share Certificate
3.25%$500-24 Month Share Certificate
3.25%$250$10k24 Month Simple Saver Certificate
2.75%$500-36 Month Share Certificate
2.75%$500-60 Month Share Certificate
2.75%$500-48 Month Share Certificate
2.50%$500-30 Month Flex Rate Certificate

United Nations Federal Credit Union IRA Rates

4.10%$500-3 Month IRA Certificate
3.90%$500-9 Month IRA Certificate
3.75%$500-6 Month IRA Certificate
3.50%$500-12 Month IRA Certificate
3.25%$500-18 Month IRA Certificate
3.25%$500-24 Month IRA Certificate
2.75%$500-36 Month IRA Certificate
2.75%$500-60 Month IRA Certificate
2.75%$500-48 Month IRA Certificate
2.50%$500-30 Month Flex Rate IRA

United Nations Federal Credit Union Locations
Branch Office2401 44th RdLong Island City, NY 11101
Branch Office2 United Nations Plz Fl 3New York, NY 10017
Branch Office405 E 42nd StNew York, NY 10017

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