What are the current interest rates at UFirst Federal Credit Union?

Current rates for UFirst Federal Credit Union include: 12-Month CD: 0.20%, 24-Month CD: 0.30%, Savings: 0.05%, MMA: 4.00%

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UFirst Federal Credit Union

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UFirst Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join UFirst Federal Credit Union?

Yes, to access services at UFirst Federal Credit Union, 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, UFirst Federal Credit Union 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: September 21, 2026

UFirst Federal Credit Union's 48 Month CD rates are at 0.70%, 48 Month CD rates are at 0.65%, 48 Month CD rates are at 0.60%, 36 Month CD rates are at 0.55%, 36 Month CD rates are at 0.52%. UFirst Federal Credit Union's savings rates are at 0.05%. UFirst Federal Credit Union's money market rates are at 4.00%. UFirst Federal Credit Union's Personal Loan Rates are as low as 9.25%. UFirst Federal Credit Union's Credit Card Rates are at 11.99%. MonitorBankRates evaluates the financial stability of UFirst Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.58%. Rates last updated and verified on 09/21/2026.

UFirst Federal Credit Union 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 UFirst Federal Credit Union? Share your experience about UFirst Federal Credit Union by leaving a review below, or read customer reviews before you decide to use UFirst Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.58%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

UFirst Federal Credit Union
UFirst FCU

274 Rugar St
Plattsburgh, NY 12901

https://www.ufirstfcu.net

UFirst Federal Credit Union CD Rates

Product	Rate	APY	Term
48 Month Certificate	0.70%	0.70%	48 Months
Min Balance $10,000 Details Amount: $10,000.01 - $90,000; With Draft Rate: 0.70%; Without Draft Rate: 0.60% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month Certificate	0.70%	0.70%	48 Months
Min Balance $10,000 Details Balance: $10,000.01 - $90,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month Certificate	0.65%	0.65%	48 Months
Min Balance $5,000 Details Amount: $5,000.01 - $10,000; With Draft Rate: 0.65%; Without Draft Rate: 0.50% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month Certificate	0.65%	0.65%	48 Months
Min Balance $5,000 Details Balance: $5,000.01 - $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month Certificate	0.60%	0.60%	48 Months
Min Balance $500 Details Amount: $500 - $5,000; With Draft Rate: 0.60%; Without Draft Rate: 0.45% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month Certificate	0.60%	0.60%	48 Months
Min Balance $10,000 Details Amount: $10,000.01 - $90,000; With Draft Rate: 0.70%; Without Draft Rate: 0.60% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month Certificate	0.60%	0.60%	48 Months
Min Balance $500 Details Balance: $500 - $5,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month Certificate	0.60%	0.60%	48 Months
Min Balance $10,000 Details Balance: $10,000.01 - $90,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month Certificate	0.55%	0.55%	36 Months
Min Balance $10,000 Details Amount: $10,000.01 - $90,000; With Draft Rate: 0.55%; Without Draft Rate: 0.45% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month Certificate	0.55%	0.55%	36 Months
Min Balance $10,000 Details Balance: $10,000.01 - $90,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month Certificate	0.52%	0.52%	36 Months
Min Balance $5,000 Details Amount: $5,000.01 - $10,000; With Draft Rate: 0.52%; Without Draft Rate: 0.42% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month Certificate	0.52%	0.52%	36 Months
Min Balance $5,000 Details Balance: $5,000.01 - $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month Certificate	0.50%	0.50%	36 Months
Min Balance $500 Details Amount: $500 - $5,000; With Draft Rate: 0.50%; Without Draft Rate: 0.40% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month Certificate	0.50%	0.50%	36 Months
Min Balance $500 Details Balance: $500 - $5,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month Certificate	0.50%	0.50%	48 Months
Min Balance $5,000 Details Amount: $5,000.01 - $10,000; With Draft Rate: 0.65%; Without Draft Rate: 0.50% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month Certificate	0.50%	0.50%	48 Months
Min Balance $5,000 Details Balance: $5,000.01 - $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Savings Builder Certificate (12-Month)	0.50%	0.50%	12-Month
Min Balance $10 Details Amount: $10.00 Plus; With Draft Rate: 0.50%; Without Draft Rate: 0.35% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month Certificate	0.45%	0.45%	24 Months
Min Balance $10,000 Details Amount: $10,000.01 - $90,000; With Draft Rate: 0.45%; Without Draft Rate: 0.35% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month Certificate	0.45%	0.45%	24 Months
Min Balance $10,000 Details Balance: $10,000.01 - $90,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month Certificate	0.45%	0.45%	36 Months
Min Balance $10,000 Details Amount: $10,000.01 - $90,000; With Draft Rate: 0.55%; Without Draft Rate: 0.45% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month Certificate	0.45%	0.45%	36 Months
Min Balance $10,000 Details Balance: $10,000.01 - $90,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month Certificate	0.45%	0.45%	48 Months
Min Balance $500 Details Amount: $500 - $5,000; With Draft Rate: 0.60%; Without Draft Rate: 0.45% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month Certificate	0.45%	0.45%	48 Months
Min Balance $500 Details Balance: $500 - $5,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month Certificate	0.42%	0.42%	24 Months
Min Balance $5,000 Details Amount: $5,000.01 - $10,000; With Draft Rate: 0.42%; Without Draft Rate: 0.32% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month Certificate	0.42%	0.42%	24 Months
Min Balance $5,000 Details Balance: $5,000.01 - $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month Certificate	0.42%	0.42%	36 Months
Min Balance $5,000 Details Amount: $5,000.01 - $10,000; With Draft Rate: 0.52%; Without Draft Rate: 0.42% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month Certificate	0.42%	0.42%	36 Months
Min Balance $5,000 Details Balance: $5,000.01 - $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month Certificate	0.40%	0.40%	24 Months
Min Balance $500 Details Amount: $500 - $5,000; With Draft Rate: 0.40%; Without Draft Rate: 0.30% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month Certificate	0.40%	0.40%	24 Months
Min Balance $500 Details Balance: $500 - $5,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month Certificate	0.40%	0.40%	36 Months
Min Balance $500 Details Amount: $500 - $5,000; With Draft Rate: 0.50%; Without Draft Rate: 0.40% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month Certificate	0.40%	0.40%	36 Months
Min Balance $500 Details Balance: $500 - $5,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month Certificate	0.35%	0.35%	12 Months
Min Balance $10,000 Details Amount: $10,000.01 - $90,000; With Draft Rate: 0.35%; Without Draft Rate: 0.25% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month Certificate	0.35%	0.35%	12 Months
Min Balance $10,000 Details Balance: $10,000.01 - $90,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month Certificate	0.35%	0.35%	24 Months
Min Balance $10,000 Details Amount: $10,000.01 - $90,000; With Draft Rate: 0.45%; Without Draft Rate: 0.35% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month Certificate	0.35%	0.35%	24 Months
Min Balance $10,000 Details Balance: $10,000.01 - $90,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Savings Builder Certificate (12-Month)	0.35%	0.35%	12-Month
Min Balance $10 Details Amount: $10.00 Plus; With Draft Rate: 0.50%; Without Draft Rate: 0.35% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month Certificate	0.32%	0.32%	12 Months
Min Balance $5,000 Details Amount: $5,000.01 - $10,000; With Draft Rate: 0.32%; Without Draft Rate: 0.22% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month Certificate	0.32%	0.32%	12 Months
Min Balance $5,000 Details Balance: $5,000.01 - $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month Certificate	0.32%	0.32%	24 Months
Min Balance $5,000 Details Amount: $5,000.01 - $10,000; With Draft Rate: 0.42%; Without Draft Rate: 0.32% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month Certificate	0.32%	0.32%	24 Months
Min Balance $5,000 Details Balance: $5,000.01 - $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month Certificate	0.30%	0.30%	12 Months
Min Balance $500 Details Amount: $500 - $5,000; With Draft Rate: 0.30%; Without Draft Rate: 0.20% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month Certificate	0.30%	0.30%	12 Months
Min Balance $500 Details Balance: $500 - $5,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month Certificate	0.30%	0.30%	24 Months
Min Balance $500 Details Amount: $500 - $5,000; With Draft Rate: 0.40%; Without Draft Rate: 0.30% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month Certificate	0.30%	0.30%	24 Months
Min Balance $500 Details Balance: $500 - $5,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month Certificate	0.29%	0.29%	6 Months
Min Balance $10,000 Details Amount: $10,000.01 - $90,000; With Draft Rate: 0.29%; Without Draft Rate: 0.19% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month Certificate	0.29%	0.29%	6 Months
Min Balance $10,000 Details Balance: $10,000.01 - $90,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month Certificate	0.27%	0.27%	6 Months
Min Balance $5,000 Details Amount: $5,000.01 - $10,000; With Draft Rate: 0.27%; Without Draft Rate: 0.17% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month Certificate	0.27%	0.27%	6 Months
Min Balance $5,000 Details Balance: $5,000.01 - $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month Certificate	0.25%	0.25%	12 Months
Min Balance $10,000 Details Amount: $10,000.01 - $90,000; With Draft Rate: 0.35%; Without Draft Rate: 0.25% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month Certificate	0.25%	0.25%	12 Months
Min Balance $10,000 Details Balance: $10,000.01 - $90,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month Certificate	0.25%	0.25%	6 Months
Min Balance $500 Details Amount: $500 - $5,000; With Draft Rate: 0.25%; Without Draft Rate: 0.15% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month Certificate	0.25%	0.25%	6 Months
Min Balance $500 Details Balance: $500 - $5,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month Certificate	0.22%	0.22%	12 Months
Min Balance $5,000 Details Amount: $5,000.01 - $10,000; With Draft Rate: 0.32%; Without Draft Rate: 0.22% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month Certificate	0.22%	0.22%	12 Months
Min Balance $5,000 Details Balance: $5,000.01 - $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month Certificate	0.20%	0.20%	12 Months
Min Balance $500 Details Amount: $500 - $5,000; With Draft Rate: 0.30%; Without Draft Rate: 0.20% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month Certificate	0.20%	0.20%	12 Months
Min Balance $500 Details Balance: $500 - $5,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month Certificate	0.19%	0.19%	6 Months
Min Balance $10,000 Details Amount: $10,000.01 - $90,000; With Draft Rate: 0.29%; Without Draft Rate: 0.19% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month Certificate	0.19%	0.19%	6 Months
Min Balance $10,000 Details Balance: $10,000.01 - $90,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month Certificate	0.17%	0.17%	6 Months
Min Balance $5,000 Details Amount: $5,000.01 - $10,000; With Draft Rate: 0.27%; Without Draft Rate: 0.17% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month Certificate	0.17%	0.17%	6 Months
Min Balance $5,000 Details Balance: $5,000.01 - $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month Certificate	0.15%	0.15%	6 Months
Min Balance $500 Details Amount: $500 - $5,000; With Draft Rate: 0.25%; Without Draft Rate: 0.15% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month Certificate	0.15%	0.15%	6 Months
Min Balance $500 Details Balance: $500 - $5,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

UFirst Federal Credit Union Savings Rates

Product	Rate	APY
Share Savings Account	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.01 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Additional Savings Account	0.05%	0.05%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Holiday Club Account	0.05%	0.05%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Share Savings Account	0.05%	0.05%
Min Balance $101 Details Balance: $101.00 - $10,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

UFirst Federal Credit Union Money Market Rates

Product	Rate	APY	View More
High-Yield Money Market Account	-	4.00%
Details Up to 4.00% APY with tiered rates; No minimum balance required; Up to 3 withdrawals a month. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

UFirst Federal Credit Union Checking Rates

Product	Rate	APY	View More
High Yield Business Checking	-	4.00%
Min Balance $25,000 Details Balance: $25,000-$50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

UFirst Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	5.88%
Details Term: Various terms available; As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Home Equity Line of Credit	-	-	6.63%	1 year
Details Term: 1-Year Introductory Rate; As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

UFirst Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	2.99%	-	4.75%	0-35 Months
Details Intro rate expires: 12 months; As Low As; 12-month Intro APR* as low as 2.99% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Auto	2.99%	-	5.25%	36-59 Months
Details Intro rate expires: 12 months; As Low As; 12-month Intro APR* as low as 2.99% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Auto	2.99%	-	5.75%	60-75 Months
Details Intro rate expires: 12 months; As Low As; 12-month Intro APR* as low as 2.99% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	3.99%	-	5.75%	0-35 Months
Details Intro rate expires: 12 months; As Low As; 12-month Intro APR* as low as 3.99% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	3.99%	-	6.00%	36-59 Months
Details Intro rate expires: 12 months; As Low As; 12-month Intro APR* as low as 3.99% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Auto	2.99%	-	6.25%	76-84 Months
Details Intro rate expires: 12 months; As Low As; 12-month Intro APR* as low as 2.99% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	3.99%	-	6.25%	60-75 Months
Details Intro rate expires: 12 months; As Low As; 12-month Intro APR* as low as 3.99% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	3.99%	-	6.75%	76-84 Months
Details Intro rate expires: 12 months; As Low As; 12-month Intro APR* as low as 3.99% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

UFirst Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Snowmobile, ATV, Jet Ski and/or Motorcycle Loan	-	4.50%	12-36 Months
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Snowmobile, ATV, Jet Ski and/or Motorcycle Loan	-	5.00%	37-48 Months
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Snowmobile/ATV/Jet Ski/Motorcycle Loan	5.00%	5.00%	48 months
Details Rec loan special: Loans currently financed at UFirst FCU are not eligible for discounted rate. All loans are subject to credit approval and require membership at UFirst FCU. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Snowmobile, ATV, Jet Ski and/or Motorcycle Loan	-	5.00%	12-36 Months
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Snowmobile, ATV, Jet Ski and/or Motorcycle Loan	-	5.50%	49-60 Months
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Snowmobile, ATV, Jet Ski and/or Motorcycle Loan	-	5.50%	37-48 Months
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Snowmobile/ATV/Jet Ski/Motorcycle Loan	5.50%	5.50%	48 months
Details Rec loan special: Loans currently financed at UFirst FCU are not eligible for discounted rate. All loans are subject to credit approval and require membership at UFirst FCU. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Snowmobile, ATV, Jet Ski and/or Motorcycle Loan	-	6.00%	61 months
Details Term: 61-72 Months (greater than $20,001); As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Snowmobile, ATV, Jet Ski and/or Motorcycle Loan	-	6.00%	49-60 Months
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Snowmobile, ATV, Jet Ski and/or Motorcycle Loan	-	6.50%	73 months
Details Term: 73-84 Months (greater than $25,001); As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Snowmobile, ATV, Jet Ski and/or Motorcycle Loan	-	6.50%	61 months
Details Term: 61-72 Months (greater than $20,001); As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Snowmobile, ATV, Jet Ski and/or Motorcycle Loan	-	7.00%	73 months
Details Term: 73-84 Months (greater than $25,001); As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

UFirst Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Card	-	11.99%
Details Published APR range: 11.99%-17.99%. As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

UFirst Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	9.25%	72 Month
Details Published APR range: 9.25% - 10.50%. As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Debt Consolidation Loan	13.50%	60 Month
Details Published APR range: 13.50%-18.00%. As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

UFirst Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loan	-	-	8.00%	120 Month
Details Published APR range: 8.00%-11.00%. As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Auto	-	-	4.75%	0-35 Months
Details As Low As; Rate applies to 0-35 Months term. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Auto	-	-	5.25%	36-59 Months
Details As Low As; Rate applies to 36-59 Months term. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Auto	-	-	5.75%	60-75 Months
Details As Low As; Rate applies to 60-75 Months term. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Auto	-	-	6.25%	76-84 Months
Details As Low As; Rate applies to 76-84 Months term. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	-	-	5.75%	0-35 Months
Details As Low As; Rate applies to 0-35 Months term. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	-	-	6.00%	36-59 Months
Details As Low As; Rate applies to 36-59 Months term. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	-	-	6.25%	60-75 Months
Details As Low As; Rate applies to 60-75 Months term. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	-	-	6.75%	76-84 Months
Details As Low As; Rate applies to 76-84 Months term. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Share IRA Accounts	0.30%	-	0.30%
Min Balance $2,001 Details Balance: $2,001 - $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Share IRA Accounts	0.35%	-	0.35%
Min Balance $10,001 Details Balance: $10,001 - $90,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Share IRA Accounts	0.30%	-	0.30%
Min Balance $2,001 Details Balance: $2,001 - $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Share IRA Accounts	0.35%	-	0.35%
Min Balance $10,001 Details Balance: $10,001 - $90,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

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.
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Financial Health History

UFirst Federal Credit Union’s Texas Ratio rose from 2.02% in Q2 2023 to 3.58% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$126M	3.58%	5.0	A+
December 31, 2025	$130M	4.23%	5.0	A+
September 30, 2025	$127M	4.05%	5.0	A+
June 30, 2025	$138M	5.04%	5.0	A+
March 31, 2025	$139M	4.71%	5.0	A+
December 31, 2024	$130M	3.94%	5.0	A+
September 30, 2024	$132M	1.93%	5.0	A+
June 30, 2024	$130M	3.06%	5.0	A+
March 31, 2024	$130M	2.05%	5.0	A+
December 31, 2023	$132M	3.22%	5.0	A+
September 30, 2023	$132M	4.42%	5.0	A+
June 30, 2023	$138M	2.02%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for UFirst Federal Credit Union 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 UFirst Federal Credit Union 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 UFirst Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name UFirst Federal Credit Union

Website https://www.ufirstfcu.net

Address 274 Rugar St, Plattsburgh, NY 12901

Phone 518-324-5700

Fax 518-324-5777

President Michele Friedman

CEO Kasey Kirk

Full-Time Employees 30

Part-Time Employees 1

Branch Locations 4

ATM Locations 3

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.58%

Return on Assets (ROA)

-0.0668%

Return on Equity (ROE)

-0.4331%

Non-Performing Loans Ratio (NPL)

0.71%

Total Assets

125,916,229

Total Amount of Shares and Deposits

109,823,960

Total Shares and Deposits < 1 Year

109,505,780

Total Shares and Deposits 1 3 Years

302,326

Total Shares and Deposits > 3 Years

15,854

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

1,482,796

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

1,482,796

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

108,341,164

Total Interest Expense (Sum of items 6 8)

250,319

Share Certificates

203

Number of Accounts for Share Drafts

6,640

IRA KEOGH Accounts

150

Number of Accounts for Regular Shares

13,184

Money Market Shares

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

-84,072

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)

-741,686

Total Liabilities

113,028,124

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

UFirst Federal Credit Union 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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for UFirst Federal Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for UFirst Federal Credit Union

Frequently Asked Questions About UFirst Federal Credit Union

How many branches does UFirst Federal Credit Union operate?

UFirst Federal Credit Union 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 UFirst Federal Credit Union?

Yes, to access services at UFirst Federal Credit Union, 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, UFirst Federal Credit Union 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, UFirst Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does UFirst Federal Credit Union offer online and mobile banking?

Most modern institutions like UFirst Federal Credit Union 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://www.ufirstfcu.net.

Current UFirst Federal Credit Union Rates

12-Month CD0.20%
24-Month CD0.30%
Savings0.05%
MMA4.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

UFirst Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

UFirst Federal Credit Union Texas Ratio

UFirst Federal Credit Union Health Trend

UFirst Federal Credit Union CD Rates

UFirst Federal Credit Union Savings Rates

UFirst Federal Credit Union Money Market Rates

UFirst Federal Credit Union Checking Rates

UFirst Federal Credit Union Home Equity & HELOC

UFirst Federal Credit Union Auto Loan Rates

UFirst Federal Credit Union RV, Boat and Powersport Loan Rates

UFirst Federal Credit Union Credit Card Rates

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UFirst Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

UFirst Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About UFirst Federal Credit Union

How many branches does UFirst Federal Credit Union operate?

Is a member application needed to join UFirst Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does UFirst Federal Credit Union offer online and mobile banking?

Current UFirst Federal Credit Union Rates

Compare to Other Credit Unions