U. H. S. Employees Credit Union4401 Vestal Pkwy E, Vestal, NY

Vestal, NY
(607) 763-6565
NCUA Insured

About U. H. S. Employees

This branch of U. H. S. Employees is located at 4401 Vestal Pkwy E in Vestal, New York, and can be reached at (607) 763-6565. U. H. S. Employees is a federally insured financial cooperative serving the Vestal, New York community. Established to provide a secure alternative to big banks, they focus on member service rather than profits. If you are comparing options, you can also browse other credit unions in Vestal or review your personal loan options.

Not-for-Profit

Profits are returned to members via better rates & lower fees.

Community Focus

Local decision making and support for the Vestal area.

Key Member Benefits

  • Financial Counseling

    Expert guidance on budgeting, debt reduction, and wealth building to help you achieve financial stability.

  • Free Checking

    No-cost share draft accounts (checking) with no monthly maintenance fees.

Location & Branch Hours

Visit Branch

4401 Vestal Pkwy E

Vestal, NY 13850-3514

Need Funds Before You Join?

How to Join

Membership at U. H. S. Employees is typically open to individuals who live, work, worship, or attend school in Vestal and surrounding areas.

Standard Requirements:

  • Valid Government ID (Driver's License, Passport)
  • Social Security Number (SSN)
  • Proof of Address (Utility bill, Lease)
  • Small opening deposit (Usually $5 - $25)

We recommend contacting the branch at (607) 763-6565 to confirm your eligibility before visiting.

Membership and underwriting can take time. If you need funds while your application is in progress, you can explore installment loans or, if your credit history is still developing, review loan options for bad credit.

Services and Loan Types

Like most credit unions, U. H. S. Employees typically offers the following services. If you want to weigh these against online options, you can compare debt consolidation loans or, for those rebuilding their score, look at loans for fair credit:

Loans & Credit

  • Personal Loans: Unsecured loans for debt consolidation or emergencies.
  • Auto Loans: Financing for new and used vehicles.
  • Home Loans: Mortgages and Home Equity (HELOC).
  • Credit Cards: Low-rate Visa/Mastercard options.

Banking & Savings

  • Checking Accounts: Often free with no minimum balance.
  • Savings Accounts: Share accounts with dividends.
  • CDs & IRAs: Long-term savings options.
  • Online Banking: Mobile app and remote deposit.

Frequently Asked Questions

Is U. H. S. Employees federally insured?

Yes, as a federally chartered or insured credit union, accounts are insured by the **NCUA (National Credit Union Administration)** up to $250,000. This offers the same level of protection as FDIC insurance at traditional banks.

Who can join this credit union?

Field of membership typically includes residents of Vestal, employees of specific local companies, or family members of existing members. Contact the branch directly for the most current eligibility list.

Other U. H. S. Employees Locations

2 additional branches in 1 state

New YorkCurrent State

2 locations

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If U. H. S. Employees Credit Union isn't the right fit

To borrow from U. H. S. Employees Credit Union you generally need to qualify for membership and meet its lending criteria, and not every applicant is approved. If you don't qualify, need to compare rates, or want to review more options, you can apply online with lenders serving New York. Applying is quick, and funds may be available quickly after approval.

Approval, amount, and terms depend on the lender and your creditworthiness. Loans are not available in all states.