Utica Gas & Electric Federal Credit Union is a member-owned financial cooperative that provides a wide range of banking services to its members in New Hartford, New York, and surrounding communities. As a federal credit union, it operates with a not-for-profit philosophy, reinvesting earnings into member benefits such as lower loan rates, higher savings yields, and fewer fees. The credit union focuses on offering personalized financial solutions, emphasizing service, trust, and financial wellness for its members.

Specializing in consumer and personal banking products, Utica Gas & Electric FCU offers everything from savings and checking accounts to auto loans, personal loans, and home equity products. The credit union takes pride in strengthening member relationships through education-based financial support and responsive customer service. Membership is typically open to employees of select employer groups and their immediate families, creating a close-knit, community-oriented environment.

In addition to traditional services, the credit union invests in digital banking tools, enabling members to access their accounts and manage finances conveniently online or via mobile apps. Utica Gas & Electric FCU is a federally insured institution, offering peace of mind and regulatory assurance to its members’ deposits.

Website: https://www.ugefcu.com

Key Services:

– Savings and checking accounts
– Auto and personal loans
– Home equity loans and lines of credit
– Mobile and online banking
– Direct deposit and payroll deduction services
– Financial education and member resources
– Low-rate VISA credit cards
– Notary and wire transfer services