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

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

Loan Options


Girl holding big money

Do you need to replace your hot water heater? Furnace? Carpet? Computers for School?

Does your home need some improvements to make life easier this fall?  Maybe it's time for a new home office?

Our Home Improvement Loan is back so you can get things done before winter. 

Only need up to $5,000? 

Apply today.

*apr=Annual Percentage Rate.  Credit restrictions apply. 4.99%apr valid for members with credit score of 680 or higher.  5.49%apr for members with credit score 640-679.Offer does not appply to loans currently financed at UGEFCU or single payment loans.  Monthly payments for a 60 month loan at 4.99%apr would be $18.88/$1,000 borrowed.  Members with scores of 640+ may qualify for 3.25%apr for up to $5,000 for up to 2 years.

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: