Ufirst

274 Rugar St, Plattsburgh, NY 12901

NCUA Insured4.1 (30 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1971

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

Membership Eligibility

Anyone who lives, works, or worships in or around Plattsburgh, NY may be eligible to join. Community credit unions are open to the general public within their service area.

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 1971

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

274 Rugar St

Plattsburgh, NY 12901

Google Maps 🗺Waze

(518) 324-5700

Service Area

This credit union is located in Plattsburgh and serves members in the NY area. Currently serving 10,370 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

5.79%

Used Auto Loan

7.13%

Personal Loan

12.17%

Credit Card APR

11.00%

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 NY

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

Niagara'S Choice— New Auto Loan

Niagara Falls, NY

1.74%

New York Times Employees— Used Auto Loan

New York, NY

2.49%

Palisades— Personal Loan

Pearl River, NY

2.99%

Eastern Operating Engineers— Credit Card APR

Whitestone, NY

3.99%

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

Branches & Locations(4 total)

Member Reviews

4.1

30 Google reviews

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

View on Google Maps

Jennifer Cordick

a year ago

I have been with UFirst 10 years now, the staff is always polite to me and very understanding in most cases. Leah Dubrey in particular has always been amazing!! Thanks sooooo much for your help with my recent big transaction, nothing like a patient person like Leah to help you out!

Matt R

7 years ago

I've been a member of Ufirst for all 8 years I've lived in Plattsburgh. The staff are extremely friendly and helpful. They offer notary services for free which is a nice perk. I've financed 2 cars through them and their interest rates blew the water out of anything the dealerships could offer. I've also explored getting a mortgage refinance and home equity loan through them. Their loan officers were straight forward about the best options for me and not at all pushy. They recently got a new mobile app that allows for mobile deposit and a few other things.

Tasha Marshall

4 years ago

Well, I wanted to open an account with them tomorrow and tried calling today to find out what information I would need to bring to get that done. They won't even answer the phone, been on hold for ten minutes and keep getting booted back to the main menu... going to try Adirondack federal credit union, hopefully they have a better system in place that is more professional. Yikes.

Kristie Daniels

2 years ago

While on vacation 1400 miles away from home Ufirst decided to decline our cards multiple times. We have literally called 6 days so far out of 9. The Visa Dept heather asked my husband what he wants her to do about our card declining. He said he wanted her to do her job. The excuses have been can’t go over 15 transactions(which we did and they extended then the card worked) then another excuse was can’t spend over $1500 a day (which we didn’t do) Then she proceeds to tell us it’s a chip error but we’re using Apple Pay. She proceeds to tell us there is nothing she can do and hung up on my husband. Poor service when we have thousands of dollars in loans, and in our checking and savings but no access to it. Shelby the bank manager deserves a Pat on the back. She explained bank sharing to us and hopefully made it possible for us to drive home.