United Neighbors FCU
United Neighbors FCU
72 Riverside Drive
Deferiet, NY 13628
Telephone: 315-493-6203
Fax: 315-493-6573
Products
Regular Share Account
Your Regular Share Account is the backbone of our credit union. We offer competitive dividend rates posted to member accounts at the end of each quarter. A minimum $25.00 average daily balance is required to receive a dividend.
Deposits may be made to your regular share account by visiting the credit union, mailing in a check, payroll deposit, wire transfer from another institution, or depositing in our night deposit box.
Statements are mailed at the end of each quarter showing all account transactions.
Christmas Club Account
No minimum deposit or regular deposit is required. Dividend is paid at end of term and checks are mailed in early October or can be deposited to your regular share or share draft account. A minimum $25.00 average daily balance is required to receive a dividend.
Term Share Certificates
Commonly known as Certificates of Deposit they are geared toward longer term savings goals. Our 1-Year Certificates generally offer a higher dividend rate than our regular share accounts.
Share Draft/Checking Accounts
Our “no charge†share draft accounts have no per check charge, no minimum balance requirement and no monthly maintenance fees. A “free†debit card is available with checking.
Statements are mailed at the end of each month showing all account transactions.
Loans
The credit union offers a wide-variety of loans from vehicle purchases to home improvement. Interest rates are traditionally lower than at banks and other financial institutions. At various times during the year we offer “loan specials†for members who need quick cash for special purchases. We offer a variety of payment options each tailored with our members’ needs in mind.
Services
Direct deposit and/or payroll deduction
Free Notary Service
Wire Transfers
Package Protection Insurance for Loans
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