Mobile App Update  and  COVID-19 Update

1-800-990-7499 | 1-315-733-1596

215 Old Campion Road, New Hartford, New York 13413-4953

Loan Options

Working on Home Improvements?


If you've found home projects to work on while you've been spending more time at home, we can help you pay for them. Borrow up to $15,000 with our special home improvement loan. You can take up to 5 years to pay it back and the rate is much lower than a personal loan.

This is not a Home Equity loan so no appraisal is needed. It's a personal loan with a great rate for home improvements.

Will $10,000 cover your expenses?  You could borrow $10,000 for 5 years with a payment of $188.76 per month at 4.99%apr.  

This is a limited time offer, so apply today!

Bonus Offer: Use your credit or debit card for home improvement purchases between now and June 30th and we'll double your points for those purchases. Sign up for Debit Card Rewards or use your Rewards Credit Card.

*Annual Percentage Rate. Credit restrictions apply.  4.99% rate valid for members with credit score of 680 or higher.  5.49%APR for members with score of 640-679. Unsecured loan rate includes .25% reduction for direct deposit, VISA or automatic loan payment.  Offer does not apply to loans currently financed at UGEFCU or single payment loans.  Special rates subject to change without notice. We reserve the right to decline a loan request due to credit conditions.

Loan Options

From auto loans to home loans to Visa® credit cards and more, we offer competitive rates, a variety of loan options, and excellent service that help you make smart financial decisions and save you money!

Thinking of buying a new or used vehicle? 

Check out our auto loan section for information on our simple process, flexible loan terms, great rates, as well as payment calculators.

Use our Car Shopper Center to search for your new car.

VISA - Learn about the many benefits our UGEFCU Visa has to offer our members. Enjoy competitive rates and worldwide access when you select a Classic Visa card or earn ScoreCard® points with a Platinum Visa card.

HOME - And if you're looking for a home loan, our home equity options and mortgages have all the features you need for your next home loan.

PERSONAL - For all of life's events, whether they cost a lot or a little, a personal loan might be just the answer. With loans as low as $500, payment protection and rates much lower than a credit card, we can help you throught life's rough spots.

UNDERGRAD STUDENT LOAN - The cost of college continues to rise. We offer a student loan option which is designed to help you cover all of your college costs after you've exhausted all of your other financial aid options. These options include federal, state, and institutional grants and loans. With an easy online application, it's that extra financial aid you need for college without the hassle and headaches.

No matter what you need or when you need to borrow, you'll find outstanding value and great service at UGEFCU.



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

Access to your account by phone,
24-Hours a Day, 7 Days a Week


Telephone: 1-315-733-1596
Toll-Free: 1-800-990-7499
Fax: 1-315-733-0228


Supervisory Committee: