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

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

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60 Days no Payment due!

July 16th, 2024

No payments due for the first 60 days!

Apply today or refinance your Auto, RV or motorcycle and make no payments for the first 60 days!

Call today and ask for details!


$100,000 CMN Miracle Drawing!

June 3rd, 2024

Utica Gas & Electric Federal Credit Union has partnered with MVHS to help a someone  win their dream of $100,000 with the purchase of a Miracle Drawing ticket!

Please be sure to stop in and purchase a Miracle drawing ticket today!  A maximum of 4,500 tickets are available beginning Monday, April 22, 2024. The drawing for the $100,000 Grand Prize and all bonus prizes will be held inside the Wynn Hospital on Wednesday, October 9, 2024, at 6 p.m.    Tickets are $100 each and may be purchased with cash or check at our New Hartford branch located at 215 Old Campion Rd.  New Hartford, NY  13413.


April 2nd, 2024

Our Spring Newsletter contains information about our mortgages, home equity loans, and our Dear Melissa column and more! Read our Fraud Newsletter too!

We've added several new features to the website:

  1. UChoose Debit/Credit Card Rewards
  2. Financial Education Videos
  3. Credit Score - Log in to online banking and activate your credit score monitoring


October 23rd, 2023


If you receive a phone call from our 1-800-990-7499 please be sure to not give out any personal information requested.  Our fraud department for our Visa Debit or Credit cards will typically call requesting to verify the last few purchases made on your card and possibly your last four digits of your card.  

If you are being asked to give out your full card number, SSN, your address, your full name, date of birth and/or your user id for online/mobile app banking please hang up the phone and contact the credit union immediately 315-733-1596.

Click here for a short video about fraud:  Safety Tips!

Your Insured Deposits

March 23rd, 2023

Your deposits with Utica Gas & Electric FCU are federally insured by the National Credit Union Administration (NCUA) and the National Credit Union Share Insurance Fund (NCUSIF) to at least $250,000.  Get more details about how your money is federally insured by watching this short video.

New & Improved Home Banking & Mobile App

September 13th, 2021

Our new and improved Home Banking and Mobile App will be arriving shortly.

Please click below for a list of FAQ's that will help guide you through the process:

New Home Banking & Mobile App FAQ's

Please note:

Online Banking, Mobile Banking and BillPay will be unavailable while we make the necessary changes.  BillPay will be unavailable from 5 pm on 9/21 to 9 am on 9/23.  Online/Mobile access will be unavailable from 9 am on 9/22 to 9 am on 9/23.  For additional information. please click on the FAQ's link above. 


Remote Deposit using our Mobile App!

September 4th, 2018

Deposit checks from your living room with Remote Deposit Capture. Important facts you should know:

  • 2 day hold on deposits

  • max amount = $3,000.00

  • cut off time = 2:45pm

  • must sign the back and add "For Mobile Deposit Only".

Our smartphone app puts a UGEFCU branch in your pocket 24/7. The app is free for our members and helps you stay connected to your money no matter where your travels take you. Please go to Google or Apple store to download our app for free.  Then take us anywhere. With our smartphone app, you can:

  • Deposit checks
  • View your account balances
  • Check your transaction history
  • Transfer funds
  • Pay bills
  • Pay UGEFCU loans
  • Locate a surcharge free ATM

If you need assistance or have any question, please call us at 315-733-1596.


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 7:00am-4:00pm
24-hour drive-up ATM

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: