Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions in Perth Amboy, NJ
United Poles Federal Credit Union has served the Polish-American community since 1965, providing comprehensive financial solutions tailored to members' evolving needs. Our federally chartered institution operates with a dual focus on preserving Polish heritage while delivering modern banking services through a dedicated team of professionals. We offer competitive savings vehicles, including IRAs and money market accounts, alongside diverse loan products for personal, educational, and business purposes. Our commitment to financial education spans generations, with specialized programs for youth, students, and retirees.As a member-owned cooperative, we prioritize community reinvestment and maintain NCUA insurance for all deposits up to $250,000. Our digital banking platform enables 24/7 account management, while physical branches maintain personalized service during extended weekday hours. Through strategic partnerships like GrooveCar and ScoreCard Rewards, we enhance member value through exclusive benefits. Our governance structure ensures accountability to members while maintaining compliance with federal financial regulations.
Services
Auto Loans
Personal Loans
Mortgage Loans
Student Loans
Business Loans
Credit Cards
Savings Accounts
Checking Accounts
IRAs
Wire Transfers
Details
- Year established: 1965
Highlights and features
- We specialize in serving Polish-American communities with culturally informed financial services
- Our 24/7 online banking platform offers real-time account management and mobile check deposit
- Competitive loan rates with flexible terms for auto, mortgage, and business financing
- NCUA-insured deposits protect member funds up to $250,000
- Community-focused governance structure with member voting rights
Associations and certifications
- NCUA
Services
Auto Loans
Competitive auto loans with rates starting at 3.99% APR for qualified borrowers. We offer financing for both new and used vehicles with terms up to 72 months. Our partnership with GrooveCar provides free CARFAX reports and Kelly Blue Book pricing for used car purchases. Loan payments can be automatically withdrawn from UPFCU accounts with no prepayment penalties.
Mortgage Loans
Fixed and adjustable rate mortgages with terms from 10 to 30 years. We offer conventional loans requiring 20% down payment and low-down-payment options with PMI. Our mortgage specialists guide first-time homebuyers through the entire process. Competitive rates apply for both purchase and refinance transactions with no closing fees for loans under $50,000.
Student Loans
Private student loans covering tuition, room and board, and educational expenses. Competitive interest rates with potential reductions for academic achievement. We offer refinancing options with cosigner release after 24 consecutive on-time payments. Loan amounts range from $2,000 to $175,000 depending on educational level and program.
Credit Cards
Visa credit cards with tiered rewards programs offering triple points on rotating categories. Cards include travel insurance and zero liability protection. Mobile app controls allow real-time transaction monitoring and card management. No annual fees for Gold and Platinum cards with competitive interest rates.
Savings Accounts
Multiple savings options including standard share accounts, money market accounts, and specialty IRAs. Minimum $50 opening deposit with no monthly service charges. Holiday and vacation club accounts help with planned savings goals. All accounts receive quarterly dividends with NCUA insurance up to $250,000.
Questions
How do I apply for a loan with United Poles FCU?
Apply online through our secure portal or visit any branch location. Required documentation varies by loan type but typically includes proof of income and credit history.
Are my deposits insured at United Poles FCU?
All deposits are federally insured up to $250,000 through the National Credit Union Administration (NCUA).
What online banking features are available?
Our platform offers account management, bill payment, mobile check deposit, loan applications, and financial planning tools through MoneyDesktop integration.
Do you offer business banking services?
Yes, we provide business checking accounts, commercial loans, and specialized financing for small businesses owned by our members.
What are your branch hours?
Monday-Wednesday 9AM-2PM, Thursday-Friday 11AM-7PM, Saturday 9AM-12PM at most locations.
