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 UFirst Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 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 0.00%. UFirst Federal Credit Union's money market rates are at 0.10%. UFirst Federal Credit Union's Personal Loan Rates are at 9.25%. 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 4.10%. Rates were last updated on 04/18/2026. 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. 
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 Credit Card Rates
UFirst Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
32
Part-Time Employees
1
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.10%
Return on Assets (ROA)
1.1440%
Return on Equity (ROE)
7.5723%
Non-Performing Loans Ratio (NPL)
0.80%
Total Assets
127,481,092
Total Amount of Shares and Deposits
114,534,148
Total Shares and Deposits < 1 Year
114,210,697
Total Shares and Deposits 1 3 Years
318,116
Total Shares and Deposits > 3 Years
5,335
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,704,875
Total Uninsured Shares and Deposits > $250K (F+J)
1,704,875
Total Insured Shares and Deposits > $250K (item 17 less item K)
112,829,273
Total Interest Expense (Sum of items 6 8)
810,371
Share Certificates
182
Number of Accounts for Share Drafts
6,526
IRA KEOGH Accounts
157
Number of Accounts for Regular Shares
12,751
Non Member Deposits
1
Money Market Shares
27
Net Income (unless the amount is already included in Undivided Earnings)
1,458,372
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
470,415
Total Liabilities
114,773,302
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About UFirst Federal Credit UnionIs UFirst Federal Credit Union a safe place to deposit money?Yes, UFirst Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.0991497962759%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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