United Poles

412 NEW BRUNSWICK AVE, Perth Amboy, NJ 08861

NCUA Insured4.6 (10 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1965

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

This credit union serves members from multiple groups — including occupational, associational, or community bonds. Contact them to confirm your eligibility.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1965

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

412 NEW BRUNSWICK AVE

Perth Amboy, NJ 08861

Google Maps 🗺Waze

(800) 333-7713

Service Area

This credit union is located in Perth Amboy and serves members in the NJ area. Currently serving 2,154 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

3.99%

Used Auto Loan

5.74%

Personal Loan

9.99%

Credit Card APR

9.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NJ

Lowest rates currently reported by credit unions in NJ (NCUA Q4 2025).

Bay Atlantic— New Auto Loan

Vineland, NJ

1.99%

Manville Area— Used Auto Loan

Manville, NJ

4.00%

Linden Nj Police & Firemen— Personal Loan

Linden, NJ

6.99%

Unilever— Credit Card APR

Englewood Cliff, NJ

7.75%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

4.6

10 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Ania Nachajski

3 years ago

Outstanding ! I've been a customer for many years and am never going anywhere else for any loan. Love the staff and especially Iwona. Super knowledgeable, helpful, organized and efficient. In today's world where you are directed through endless automated options, transferred to a number of agents who don't have the needed expertise, and your time is wasted with repetitive explanation of what you need, working with UPFCU is always a breath of fresh air. Thank you Iwona and Staff.

Adam Nord

6 years ago

Ms. Karpeta and her team at United Poles FCU go above and beyond in customer service. They have helped my family out with home equity loans, car financing and our general banking needs. I highly recommend UPFCU.

Elzbieta Borowski

5 years ago

Very unpleasant CEO Iwona Karpeta, she has NO understanding of exceptions due to Covid-19 I was unable to make the deposit. She would not approve a deposit of expired $25 Certificate that was given to my child for outstanding grades in Polish School. I'll contact the Board of Directors about this unpleasant situation that occurred. It's about the principal that my child earned this award and not about the nominal amount. Here's how Polish people DO NOT HELP each other!!