Products and Services
| - Personal Services |
| - Business Services |
| - Online Services |
| - Youth Accounts |
| - Overdraft Privilege |
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Most Popular
| - Calculators |
| - Publications |
| - Share Certificate Rates Special |
| - Car Loan 2.75% APR |
| - Phone Banking |
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- Checking
- Savings
- Loans
- M.Market
- Certificates
- IRA
- Credit Cards
- Debit Cards
- Mortgages
- ODP
- Transfers
Personal Services
Checking
Our checking and savings accounts don't just help you manage your money, they also make you money! Now, that's something you don't hear every day. The truth is, as a credit union we return our earning to our members in the form of dividends, the more you save the more you earn!
Come into any of our branches and open an account today. You'll have nationwide access to surcharge-free ATM's, free online banking, and peace of mind because your money is federally insured by NCUA up to $250,000 per account. Check our Rates
- No minimum balance required
- No monthly maintenance fees
- FREE UFCU Visa Check Card
- FREE UFCU Online Banking
- FREE eStatements
- FREE UFCU Bill Pay
- FREE ATM Network (Co-op)
- FREE overdraft protection from savings
- Overdraft line of credit up to $7,500
| Check our rates |  |
Benefits
- It’s an affordable, money-saving account!
- Easy for you to balance and manage each month!
- Never worry about a check being returned with overdraft protection!
- Convenient with several ways to access it 24 hrs!
- Peace of mind and security with federal insurance!
Quick Guide
- Create an account
- Login using your user name and the password
- Browse through the variety of check designs
- Submit the order
- Click here to ORDER NOW
Personal Services
Savings
- Competitive savings rates
- No monthly service and/or transaction fees
- Convenient access via branch, phone, online and ATM
- FREE online banking
- FREE eStatements
- Federally insured by NCUA up to $250,000
- Life Savings protection up to $2,000* (certain restrictions apply)
Benefits
- Affordable savings for everyone with low minimum and no fees!
- Watch your money grow with regular dividends and compounding!
- Convenient with several ways to access your account 24 hrs!
- No risk investment with federal insurance!
| Check our rates | |
Personal Services
Loans
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Now it's easier than ever because you can apply online at your convenience.
Apply for a mortgage online
Apply for a consumer loan online
- NEW – ONLINE MORTGAGE APPLICATION www.rufcu.org
- Personal and share secured
- Mortgages and HELOCs
- New and Used Vehicles loans
- Business Vehicle and Equipment Loans
- Commercial Mortgages and Lines of Credit
- NO PREPAYMENT PENALTY
- Automatic loan payment
- Professional, personal and local service for all your financial needs!
| Check our rates | |
Personal Services
Money Market
Money Market funds allow easy access by individuals, which is an advantage over different investment vehicles such as stocks. Many beginning investors use money markets as a way to experience investing and transition into the stock market. However, the money market has many advantages for a lot of individuals aside from beginning investors.
| Opening balance | $2,500 |
| Minimum daily balance | $2,500 |
| Minimum balance to earn dividends | $2,500 |
| Monthly service charge | None |
Withdrawals/transfers
During any month, three (3) withdrawals per month are allowed before a fee will be imposed. There is a minimum of $100 per withdrawal. Members may access the account by audio response, mail, direct deposit, home banking, or in person.Dividends
Refer to the Rate Sheet for current rates. Dividends are compounded daily and paid monthly.Payroll Deduction & Direct Deposit
Members may have money deposited directly into their accounts with Direct Deposit, Payroll Deduction or by Pre-Authorized Transfer.Statements
Members have the choice to receive statements by postal mail or to view eStatements online.Features
• Monthly Statement• You may save by payroll deduction
| Check our rates | |
Premier Money Market
Premier Money Market accounts allow checks drafts to your Money Market Funds
| Opening balance | $2,500 |
| Minimum daily balance | $2,500 |
| Minimum balance to earn dividends | $2,500 |
| Monthly service charge | $15 |
Withdrawals/transfers
During any month, three (3) withdrawals per month are allowed before a fee will be imposed. There is a minimum of $100 per withdrawal. Members may access the account by check, audio response, mail, direct deposit, home banking, or in person.Dividends
Refer to the Rate Sheet for current rates. Dividends are compounded daily and paid monthly. Payroll Deduction & Direct Deposit. Members may have money deposited directly into their accounts with Direct Deposit, Payroll Deduction or by Pre-Authorized Transfer.Statements
Members have the choice to receive statements by postal mail or to view eStatements online.Features
• Monthly Statement| Check our rates | |
Personal Services
Share Certificates
Certificates (or Share Certificates) Certificates of deposit are bank investment instruments that carry a fixed interest rate and are held for a specified length of time. As opposed to market-based investments, such as mutual funds or annuities, which carry risk because they are tied to the fluctuations of the stock market, Certificates offer stability.
| Opening balance | $500 minimum |
| Terms | 6 months to 5 years |
| Deposits | Not permitted, except at maturity |
Withdrawal penalty
Certificates withdrawn prior to maturity will incur an early withdrawal penalty of dividends, not principal.Dividends
Fixed. Refer to the Rate Sheet for current rates. Dividends are compounded and credited monthly using average daily balance method. Some Certificate types allow additional deposits or have rate bump-up features.Renewal
An unchanged account will automatically renew for the same term at the current rate, on its maturity date.Statements
Monthly statements. Members have the choice to receive statements by postal mail or to view eStatements online.| Check our rates | |
Personal Services
Traditional IRAs
Traditional IRA contributions can be tax deductible in the year the contributions are made. The taxes on these earnings are deferred until the time of withdrawal. Traditional IRAs are funded with pre-tax dollars. You may open a traditional IRA either as a certificate or in a floating rate account.
| Minimum opening balance | $50 – Share ; $500 – Certificate |
| Minimum balance to earn dividends | $50 – Share ; $500 – Certificate |
Deposits
Deposits limited by IRS annual limits. Currently $5,000 per year, $6,000 for members 50 and older.Annual contributions can be made from January 1 through April 15th of the following year.
Withdrawal penalty
Permitted according to IRS regulations. Subject to IRS penalties. Early withdrawal penalties do not apply to withdrawals made after the death of any owner of the account.Dividends
Refer to the Rate Sheet for current rates.Statements
Annual Statements. Members receive statements by postal mail.| Check our rates | |
Roth IRAs
Roth IRAs allow only nondeductible contributions but feature tax-free withdrawals for certain distribution reasons after a five-year holding period. You may open a Roth IRA either as a certificate or in a floating rate account.
| Minimum opening balance | $50 – Share ; $500 – Certificate |
| Minimum balance to earn dividends | $50 – Share ; $500 – Certificate |
Deposits
Deposits limited by IRS annual limits. Currently $5,000 per year, $6,000 for members 50 and older.Annual contributions can be made from January 1 through April 15th of the following year.
Withdrawal penalty
Permitted according to IRS regulations. Subject to IRS penalties. Early withdrawal penalties do not apply to withdrawals made after the death of any owner of the account.Dividends
Refer to the Rate Sheet for current rates.Statements
Annual statements. Members receive statements by postal mail.| Check our rates | |
Coverdell Education IRAs
Individual Retirement Accounts (IRAs) are designed to help members save for qualified education expenses for a child.
| Minimum opening balance | $50 |
| Minimum balance to earn dividends | $50 |
Deposits
Deposits limited by IRS annual limits. $2,000 annually, and can be made from January 1 through April 15th of the following year.Withdrawal penalty
Permitted according to IRS regulations. Subject to IRS penalties. Withdrawals can be made for qualifying education expenses. Can be transferred from one child's account to another.Dividends
Refer to the Rate Sheet for current rates.Statements
Annual statements. Members have the choice to receive statements by postal mail.Features
• Excellent tool for parents, grandparents and others to help meet the rising costs of a student's education• Earnings grow tax-free
Can be use to pay qualified elementary school and secondary school expenses as well as those for higher education
| Check our rates | |
Personal Services
VISA Credit Card |
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Our UFCU Visa Credit Card gives you the freedom you want and the benefits you need, and you don't have to worry about any annual fees. Make purchases with confidence with VISA's Zero Liability protection which safeguards you from unauthorized purchases and withdrawals*, and enjoy the benefits of free travel insurance and free car rental insurance.
Apply for a UFCU Visa Credit Card
- Credit lines up to $10,000.
- No ANNUAL FEE
- FREE Travel Insurance up to $500,000
- FREE Warranty Manager includes registration and protection.
- FREE Auto Rental Insurance when rented using UFCU Visa Gold Card
- Toll-free member service 24/7.
- Accepted at millions of places that accept Visa Credit Cards.
- Generous CURewards – earn your next vacation by using UFCU Visa Credit Card.
| Check our rates | |
Benefits
- Carry our world-wide VISA Card and never get caught without money!
- Generous lines mean you can consolidate higher rate card and carry just one…our VISA!
- The most affordable VISA around…great low rate, no annual fee, 30-day grace period!
- Affordable low payments!
- Get cash instantly when you need it!
- Take advantage of free travel insurance!
Personal Services
VISA Debit Card |
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Before you leave…
For your protection, our fraud screening service keeps a close eye on suspicious card activity, including when you travel, so it is important to call us before you leave. We will note your account and help minimize authorization issues while you are gone. You may reach us toll-free within the United States at (877)968-7828, and from out of the country at (585) 544-9518.
If you have authorization issues while traveling, you may call our fraud screening service directly 24 hours a day, 7 days a week. In the United States, the toll-free number is 1-888-918-7740.
Important Notice of Fraud Against VISA Debit Cards
Ukrainian Federal Credit Union has learned that a series of fraud rings abroad are actively targeting VISA debit cardholders for the purpose of conducting fraud on their accounts. These incidents have caused UFCU and other financial institutions to block some international VISA card transactions. Before you travel, make sure you know where and how you can use your credit/debit card. Please be assured that UFCU's systems and databases are secure, and they are not the cause of these occurrences.What This Means for UFCU VISA Debit Cardholders
For the protection of our Members, UFCU is blocking Members from using their VISA Debit cards while traveling in the following countries: Blocked PIN-based and signature-based transactions- Australia
- Egypt
- El Salvador
- Pakistan
- Romania
- Russia
- Israel
- Japan
- Malaysia
- Thailand
- Cuba
- Iran
- Myanmar (Burma)
- Sudan
How Am I Protected From These Occurrences?
In these types of situations, UFCU VISA debit cardholders are protected with $0 fraud liability and VISA's rapid response anti-fraud system is activated immediately upon UFCU being notified. This means that, as an affected cardholder, you are not responsible for any fraudulent charges that appear on your account as a result of this incident.Your Alternatives
If you are planning to travel to any of the countries listed above, UFCU recommends the following:- Bring traveler's cheques. Be sure to keep your receipts separate from the actual checks so that you may have them replaced if they are lost or stolen.
- If unable to use your VISA debit card, use a credit card to make purchases. Please contact your nearest branch for additional information on how to obtain valuable UFCU Visa Gold Credit Card.
Next Steps
Unfortunately, the list of countries targeted changes frequently, so we encourage Members to visit our website regularly to keep informed about emerging concerns – especially prior to traveling out of the country.What to Do if Your Card or PIN Are Compromised
Should you learn that either your card number or PIN have been compromised, please contact Ukrainian Federal Credit Union's Card Service Center at 1 (800) 449-7728. Please be assured that we are taking every step necessary to respond immediately and provide uninterrupted service to you. Should you have additional questions, please contact us.VISA Debit Card Features
- Plastic card with VISA’s world-wide acceptability
- Debits checking account…just like when a check is written
- No annual fee charged by credit union
- Generous transaction limits
- Can be used at both retail locations and ATMs
- VISA zero-liability policy protection if card is lost or stolen
- Monthly statement
VISA Debit Card Benefits
- A no-hassle alternative to check-writing!
- Accepted world-wide!
- Use as both a check card and an ATM card for cash!
- Peace of mind and security knowing that you are not responsible for fraudulent transactions!
Personal Services
Mortgages
Features
- First and second mortgages on owner-occupied residence
- Borrow up to 95% of the appraised value or purchase price, whichever is greater, if qualified
- Fixed, adjustable or hybrid rates
- Terms up to 30 years
- First-time home buyers programs available
- Most approvals within 1 week
- Closing within 4-8 weeks
- Automatic payment available
- Lien placed on property
- Mortgages in all US states
| Check our rates | |
Benefits
- We help you achieve the dream of owning your own home!
- Fast approvals mean you get into your new home quicker!
- Never worry about a late payment or tarnishing your good credit with automatic payments!
- Possible tax-saving advantages!
- Professional, personal and local service!
Secure and Fair Enforcement for Mortgage Licensing Act of 2008
To help give UFCU members more peace of mind when looking for secured loans, Ukrainian Federal Credit Union as required by the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), effective July 1, 2011 SAFE provides and guarantees full compliance. This Act establishes standards for all individuals selling residential mortgage loans, home equity loans, and home equity lines of credit (HELOCs) so you can rest assured you are getting the best advice possible.
As part of this legislation and compliance requirements, UFCU employees working with these types of loans must register with the Nationwide Mortgage Licensing System. This registering process protects borrowers like you by reducing fraud. In addition, we must make available a list of all registered employees and their unique NMLS ID number.
View a list of NMLS Registered Employees from UFCU.
| Location | Unique Identifier | Last Name | First Name |
|---|---|---|---|
| 462478 | UKRAINIAN FEDERAL CREDIT UNION | ||
| Rochester Office | 655301 | Chwesik | Lesia |
| 655302 | Dubay | Tanya | |
| 655303 | Kshysyak | Roman | |
| 655304 | Yayko | Taras | |
| 655305 | Witter | Maria | |
| Albany Branch | 686510 | Lupe | Oksana |
| 686511 | Shvachuk | Lyalya | |
| Sacramento Branch | 686504 | Tkach | Mikhail |
| 686505 | Tsitsyura | Liliya | |
| Syracuse Branch | 686506 | Hayduke | Nadia |
| 686507 | Paraszczak | Lesia | |
| Boston Branch | 686509 | Majkut | Martha |
| Portland Branch | 686508 | Moskal | Oleksandr |
To learn more about the Nationwide Mortgage Licensing System, visit mortgage.nationwidelicensingsystem.org
Personal Services
Money Transfers
Wire Transfers
What is a Wire Transfer?
It is an electronic payment service used to transfer funds. UFCU members can now receive wire transfers worldwide via SWIFT.Is wiring money through SWIFT safe?
Yes. SWIFT, Society for Worldwide Interbank Financial Telecommunication, is an organization which securely services nearly 8,100 financial institutions in 207 countries and territories.How do I receive a wire transfer?
Simply provide this information to the financial institution or person that will be wiring funds to you:-SWIFT Number: MANTUS33
-Beneficiary: Ukrainian Federal Credit Union
-Account Number: 9853933043
-For further credit to: (recipients name, UFCU account number, and address)
What are the fees associated with wiring funds?
Domestic wire transfer
-Incoming: $5-Outgoing: $15
International wire transfer
-Incoming: $5-Outgoing: $35
*Fees are subject to change without notice. Fees effective September 1, 2011.
