Are you looking for reliable credit union? Do you want to trust your finances to experts who are looking out for you? Do you live in the Waterbury or Hartford, CT area? Join UBI Federal Credit Union! Visit www.ubifcu.com and find out why we’re the right choice for you!

In 1935, when credit unions were helping Americans through the Great Depression, it was said that credit unions were “not for profit, not for charity, but for service,” and that philosophy still holds true at UBI today.

Today, UBI continues to look out for our members’ interests and provide a level of service that is not generally available at other financial institutions. Whether it’s providing a loan to help a member cover unexpected medical bills, giving financial counseling to a member whose company closed its doors, or simply offering a better deal on a used car loan, UBI offers a wide range of additional services to meet your financial needs.

Seven Cooperative Principles of Credit Unions

1. Voluntary Membership
   Credit unions are voluntary, cooperative organizations, offering services to people willing to accept the responsibilities and benefits of membership, without gender, social, racial, political or religious discrimination.
2. Democratic Member Control
   Cooperatives are democratic organizations owned and controlled by their members, one member one vote, with equal opportunity for participation in setting policies and making decisions.
3. Members’ Economic Participation
   Members are the owners. As such they contribute to, and democratically control, the capital of the cooperative. This benefits members in proportion to the transactions with the cooperative rather than on the capital invested.
4. Autonomy and Independence
   Cooperatives are autonomous, self-help organizations controlled by their members. If the cooperative enters into agreements with other organizations or raises capital from external sources, it is done so based on terms that ensure democratic control by the member and maintains the cooperative autonomy.
5. Education, Training and Information
   Cooperatives provide education and training for members, elected representatives, managers and employees so they can contribute effectively to the development of the cooperative.
6. Cooperation Among Cooperatives
   Cooperatives serve their members most effectively and strengthen the cooperative movement by working together through local, state, regional, national, and international structures.
7. Concern for Community
   While focusing on member needs, cooperatives work for the sustainable development of communities, including people of modest means, through policies developed and accepted by the members.

Memberships in UBI Federal Credit Union is open to individuals who live, work and worship or attend school in Hartford County, Connecticut, including all businesses!

We offer the following membership types:

• Primary (Single Membership)
  For your eyes only. No one else has access to these funds. In the event of death, funds will be released to your estate on behalf of your designated beneficiary.
• Joint Membership
  Two or more persons have access to funds (one of whom must be a Primary Member). Your joint owner can deposit and withdraw shares, but cannot vote, obtain loans or hold office unless she/he is also a qualified member. In the event of death, surviving owner(s) shall own all shares.
• Family Membership
  We Invite your family to become active members of our family. They are all entitled to full membership privileges and benefits.
• Retirement Membership
  We encourage you to retain full membership privileges upon your retirement.

Even if you retire, move away or leave your present place of employment, you are still entitled to retain your membership privileges. The only requirement is that you maintain at least $25.00 in shares.

UBI Federal Credit Union has three main office locations:

Plainville Office (Main Office):

120 Woodford Avenue
Plainville, CT 06062
P: 860 747-4152

Kensington Office:

40A Chamberlain Highway
Kensington, CT 06037
P: 860 829-8510

Bristol Office:

363 North Main St
Bristol, CT 06010
P: (860) 584-0100

For more information contact one of our branches directly or visit us online at www.ubifcu.com!