Your Insured Deposits - click here for Important Information

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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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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.

Home Loan Special

March 23rd, 2023

Take advantage of a low rate loan special!  It's so easy - 



Rates as low as 4.99% APR*

Borrow up to $20,000

Take up to 60 months to pay back

Limited time offer is now - April 30, 2023

Apply today

*Annual Percentage Rate.  Credit restrictions apply.  4.99% APR valid for members with credit score of 680 or higher,  5.49%APR for member with score of 640-679.  Unsecured loan rate includes .25% reduction for direct deposit, VISA® credit card 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.  Monthly payments for a 60 month loan at 4.99%APR would be $18.88/$1,000 borrowed.

Certificate of Deposit Special!

January 3rd, 2023

Limited Time!  

19 month certificate of deposit special is happning now.

4.18 Annual Percentage Rate

4.25 Annual Percentage Yield

(IRA's are not included)

Call today and ask how to get your certificate started 315-733-1596.


November 9th, 2022

Our Winter 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

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: