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UGEFCU Rates & Review August 2026

Q: How many branches does UGEFCU operate?

UGEFCU currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join UGEFCU?

Yes, to access services at UGEFCU, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, UGEFCU does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, UGEFCU provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

UGEFCU rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not UGEFCU, and you can see how they compare in the UGEFCU rate tables below. MonitorBankRates evaluates the financial stability of UGEFCU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.36%. Database rates last updated and verified on 08/30/2026.

UGEFCU money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at UGEFCU? Share your experience about UGEFCU by leaving a review below, or read customer reviews before you decide to use UGEFCU.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.36%

Excellent Lower than avg

UGEFCU
Main

215 Old Campion Rd
New Hartford, NY 13413 4953

https://ugefcu.com

UGEFCU Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loans/Fixed Rate	-	-	5.99%	10 year maximum term
Details 600 or above credit score required Closing costs are the NYS Mortgage Tax Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for UGEFCU is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather UGEFCU rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with UGEFCU's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name UGEFCU

Website https://ugefcu.com

Address 215 Old Campion Rd, New Hartford, NY 13413 4953

Phone 315-733-1596

Fax 315-733-0228

President Theodore Pytel Jr

CEO Lori Brown

Full-Time Employees 9

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.36%

Return on Assets (ROA)

1.1306%

Return on Equity (ROE)

6.7863%

Non-Performing Loans Ratio (NPL)

1.07%

Total Assets

126,653,390

Total Amount of Shares and Deposits

94,157,584

Total Shares and Deposits < 1 Year

87,758,778

Total Shares and Deposits 1 3 Years

4,927,077

Total Shares and Deposits > 3 Years

1,471,729

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

11,899,463

Total Uninsured Shares and Deposits > $250K (F+J)

11,899,463

Total Insured Shares and Deposits > $250K (item 17 less item K)

82,258,121

Total Interest Expense (Sum of items 6 8)

2,231,615

Share Certificates

963

Number of Accounts for Share Drafts

2,202

IRA KEOGH Accounts

228

Number of Accounts for Regular Shares

4,701

Money Market Shares

516

Net Income (unless the amount is already included in Undivided Earnings)

1,431,898

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

101,570

Total Liabilities

106,816,321

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

UGEFCU earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About UGEFCU

How many branches does UGEFCU operate?

UGEFCU currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join UGEFCU?

Yes, to access services at UGEFCU, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, UGEFCU does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, UGEFCU provides members with tools to manage their accounts and build a solid financial history.

Does UGEFCU offer online and mobile banking?

Most modern institutions like UGEFCU provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://ugefcu.com.