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United Poles Federal Credit Union

Banki i unie kredytowe, Karty kredytowe, Pożyczki
  • Marker ico
    East Brunswick, NJ
  • Marker ico
    Linden, NJ
  • Marker ico
    Perth Amboy, NJ
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About Us

Polish-American credit union in New Jersey — mortgages, loans and NCUA accounts

United Poles Federal Credit Union is a Polish-American federal credit union built on the promise of being a financial partner for life. It offers mortgages, auto loans, private student loans and debt consolidation — with service in Polish and online applications at unitedpolesfcu.com.

As a not-for-profit institution owned by its members, UPFCU works for the Polish community across New Jersey, New York, Pennsylvania and Connecticut rather than outside shareholders. Accounts are insured to at least $250,000 by the NCUA, and the credit union operates under NMLS #464203 as an Equal Housing Lender.

Why United Poles FCU:

  1. Member-owned institution — a not-for-profit credit union that works for its members, not outside shareholders.
  2. Service in Polish — advisors walk you through mortgage, escrow, PMI and APR terms step by step, without jargon.
  3. Federally supervised security — accounts insured to at least $250,000 by the NCUA, NMLS #464203.
  4. Nationwide reach — mortgages available in all U.S. states, with online applications and three branches in New Jersey.

Call to schedule a consultation: 1-800-333-7713.

Become a United Poles FCU member today >>>

This profile is for informational purposes only and does not constitute financial advice. Rates and terms are subject to change — current rates are available at unitedpolesfcu.com or by calling 1-800-333-7713. Accounts insured to at least $250,000 by the NCUA; NMLS #464203.

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111 Main Street, Suite 1, East Brunswick, NJ, 8816, USA
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1161 W Saint Georges Avenue, Linden, NJ, 7036, USA
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412 New Brunswick Avenue, Perth Amboy, NJ, 8861, USA
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Services

Mortgages

Your own home, closer than you think

Mortgages with an online application — from a first home to refinancing, with the down payment and PMI explained in Polish. Read the mortgage guide.

Home equity loans

Put your home's value to work

Home equity loans let you tap the equity built up in your home for renovations, education or other goals. See the home equity loan guide.

Auto loans

A new car without the stress

Finance a new or used vehicle with GAP Plus protection and automatic payment from your account. See the guide to financing a car.

Personal loans and consolidation

One payment instead of many

Consolidation combines card and loan debt into a single payment, while personal loans help with unexpected expenses. Read the debt consolidation guide.

Private student loans

College within reach

The cuSchool and cuGrad programs finance undergraduate and graduate study, with a student-loan consolidation option. See the student loan guide.

Membership and accounts

A credit union you own

Membership opens access to savings accounts as well as business, recreational-vehicle and holiday loans. Learn how to become a member.

Articles

Q&A

  • How much does membership at United Poles FCU cost?

    Current information about fees and membership terms is available from an advisor at 1-800-333-7713 or at unitedpolesfcu.com. Fees and terms can change, so it is best to confirm them directly before opening a membership account. A Polish-speaking advisor will also tell you which documents to prepare.

  • Where are the United Poles FCU branches located?

    The credit union operates three branches in New Jersey: Perth Amboy (412 New Brunswick Avenue), Linden (1161 W Saint Georges Avenue) and East Brunswick (111 Main Street, Suite 1). The shared phone number for all branches is 1-800-333-7713. You can also apply for a loan online.

  • Is service available in Polish?

    Yes, United Poles FCU is a Polish-American credit union that serves members in Polish. Advisors explain mortgage, escrow, PMI and APR terms step by step, without financial jargon. The Polish community across NJ, NY, PA and CT can count on help at every stage of the application.

  • How is a credit union different from a bank?

    United Poles FCU is a not-for-profit institution owned by its members rather than outside shareholders. That means members’ interests come first, in keeping with its promise to be a financial partner for life. To use the loans, you first become a member of the credit union.

  • Are my savings insured?

    Yes, accounts at United Poles FCU are insured to at least $250,000 by the NCUA. The credit union operates under NMLS #464203 and as an Equal Housing Lender. It is a federally supervised financial institution owned by its members.

  • Who can become a member?

    Membership is aimed at the Polish community, with a particular focus on people in New Jersey, New York, Pennsylvania and Connecticut. This includes homeowners, first-time buyers, small businesses and students and their families. Ask about membership terms at unitedpolesfcu.com.

  • How do I apply for a loan?

    You can apply for a loan online at unitedpolesfcu.com or by phone. Mortgage, auto, student, personal and consolidation loans are available, along with savings accounts. A Polish-speaking advisor will help match a solution and check the current rate.

  • Can I get a mortgage if I live outside New Jersey?

    Yes, United Poles FCU issues mortgages in all U.S. states, and you can apply online. The Polish community in NJ, NY, PA and CT is especially welcome. An advisor will explain the whole process in Polish — from the down payment and PMI to closing costs.

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