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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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UGEFCU Empowers Local Students With College Scholarship Opportunity

September 25th, 2023

Utica Gas & Electric Federal Credit Union is proud to announce its participation in the New York Credit Union Association's (NYCUA) statewide scholarship program, which offers eligible students a chance to win funds ranging from $500 to $1,500 for the 2024 academic year. The program speaks to the credit union's commitment to helping students access higher education.  With this application you will also be applying for one of two scholarships given out directly by Utica Gas & Electric Federal Credit Union in the amount of $1,500.00.  Please follow instructions carefully on the website here:  https://connect.nycua.org/award-nomination/?id=b94369a1-8451-ee11-a81c-000d3a7b88f1  Please contact the credit union for the verification code to access the application and to verify your membership eligibility at the credit union.  

Important dates to remember:

  • January 5, 2024: Deadline for students to submit applications
  • May 2024: Your credit union will receive notification regarding 2024 winners and awards.

The program has an immense impact on college-bound students across New York State. In 2022, the NYCUA awarded $26,250 in scholarships to 45 talented students across the state. The initiative reflects the credit union's core philosophy of community engagement and empowerment.

Eligibility & Selection Criteria

To qualify, students must be high school seniors, attend two-or four-year accredited educational institutions or vocational/trade schools for the first time in the fall of 2024, and be members of Utica Gas & Electric Federal Credit Union or another participating New York credit union. Applicants will be evaluated based on their academic achievements, involvement in extracurricular activities, and the quality of their written essays.

For more information about this extraordinary opportunity and how to apply, please contact Melissa Gaffney at 315-733-1596 Ext. 109 or Melissagaffney@ugefcu.com

About New York Credit Union Association (NYCUA): NYCUA is the trade association for New York credit unions since 1917. Its mission is to advance the credit union movement by advocating, educating, uniting, and supporting the interests of all credit unions in New York State. The association is committed to creating a strong, united voice for the New York credit union community.



August 15th, 2023

Our Summer 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

Loan Special Happening Now

August 3rd, 2023

Summer Loan Special 

Limited Time!

5.99%APR* borrow up to $20,000 for up to 60 months

*Annual Percentage Rate. Credit restrictions apply.  5.99% APR valid for members with credit score of 640 or higher.  If credit score is below 640 = 6.49% APR would apply.  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 5.99% APR would be $19.26/$1,000 borrowed.  

Apply online today or call 315-733-1596

10 Month Certificate of Deposit Special - Limited Time

June 20th, 2023

10 Month Certificate of Deposit Special

$500.00 minimum of new money required - the $500 cannot be a transfer from an established Certificate 

Rate 4.91% 

Yield 5.00%

BONUS:  20% when you bring in $10,000 new money for deposit into the Certificate 

Rate 5.10%

Yield 5.20%

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: