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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 UGEFCU Rates & Review September 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.
Read Full Bio →
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 and Verified: September 16, 2026
UGEFCU's 1 Year IRA CD rates are at 4.00%, 3 Year IRA CD rates are at 3.75%, 5 Year IRA CD rates are at 3.00%. UGEFCU's savings rates are at 4.15%. UGEFCU's Personal Loan Rates are as low as 8.25%. MonitorBankRates evaluates the financial stability of UGEFCU with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.15%. Rates last updated and verified on 09/16/2026. 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. 
UGEFCU CD Rates
UGEFCU Savings Rates
UGEFCU Home Equity & HELOC
UGEFCU Auto Loan Rates
UGEFCU RV, Boat and Powersport Loan Rates
UGEFCU Student Loan Rates
UGEFCU Personal Loan Rates
UGEFCU Other Rates
Financial Health HistoryUGEFCU’s Texas Ratio rose from 6.04% in Q2 2023 to 8.15% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.15%
Return on Assets (ROA)
0.3887%
Return on Equity (ROE)
2.3396%
Non-Performing Loans Ratio (NPL)
1.61%
Total Assets
133,525,627
Total Amount of Shares and Deposits
98,422,416
Total Shares and Deposits < 1 Year
89,435,860
Total Shares and Deposits 1 3 Years
7,891,361
Total Shares and Deposits > 3 Years
1,095,196
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
12,989,593
Total Uninsured Shares and Deposits > $250K (F+J)
12,989,593
Total Insured Shares and Deposits > $250K (item 17 less item K)
85,432,823
Total Interest Expense (Sum of items 6 8)
811,234
Share Certificates
1,050
Number of Accounts for Share Drafts
2,214
IRA KEOGH Accounts
228
Number of Accounts for Regular Shares
4,759
Money Market Shares
528
Net Income (unless the amount is already included in Undivided Earnings)
518,959
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)
969,567
Total Liabilities
112,628,686
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for UGEFCU yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for UGEFCU
Frequently Asked Questions About UGEFCUHow 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. Current UGEFCU Rates
Retrieved from our database of financial products. Rates subject to change.
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