Annual Report

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Call for Nominations

It is time, once again, to elect those who will represent the best interests of our membership as members of the United Poles FCU Board of Directors. Our annual meeting will be held in September 2026. Pursuant to Article V of our Bylaws, we are issuing this call for nominations.

The Board of Directors have the general direction and control of the affairs of the Credit Union. They operate with the best interests of our members and community in mind. You too could play an integral role in shaping the future direction of this progressive, dynamic, and caring organization.

Eligibility Requirements:
Anyone meeting the eligibility requirements (person who is 18 years of age or older and a member of United Poles FCU (before distribution of ballots), unless he or she: 1) is an employee of United Poles FCU; or 2) was convicted of a crime involving dishonesty or breach of trust) may run for a seat on the Board of Directors if properly nominated.

In addition to the eligibility requirements the Board of Directors has also established criteria for the Nominating Committee to follow in making its nominations. “Board of Directors Candidate Profile” form can be obtained at any of our offices.

All signed candidate profiles must be received by the Credit Union office no later than June 21, 2026 (mailed or dropped off at one of the Credit Union offices).

Mailing address:
412 New Brunswick Avenue, Perth Amboy, NJ 08861,
ATTN: Nominations.

Thank you,
Iwona

Scholarship Application 2026-2027

United Poles FCU is now accepting applications for our 2026-2027 Scholarship Program. This opportunity is available for high school seniors and college students.

The deadline for all applications and supporting documents is July 31, 2026. Please note that late submissions will not be considered.

• Open to United Poles FCU members in good standing.
• Must be a full-time student at an accredited college or university.

Forms are available at our branches or via the link below. Submit your package in person or by mail to: 412 New Brunswick Avenue, Perth Amboy, NJ 08861.

Download Application Form (PDF)

Bill Of Rights

What's good for you is good for your credit union. Because credit unions are not-for-profit financial service cooperatives — owned and controlled by the people who use their services — they work for the benefit of members.

Because you're the force behind our credit union's growth and prosperity, and because credit unions work for members, you and fellow members can expect:

• A financially secure institution complying with the laws and regulations.
• A solid financial condition; responsible management of members' financial resources.
• Highly principled employees demonstrating integrity, professionalism and ethical behavior.
• Respectful, courteous, timely and unbiased personal service.
• Confidential records and transactions.
• The opportunity for your opinions to be heard and valued.
• An equal vote with other members, regardless of account balance.
• Volunteer board and committee membership opportunities.
• Dividend and loan rates that compete with other financial institutions.
• Truthful advertising and disclosure of rates, risks, and terms.
• Timely notification and correction of errors.
• Timely response to loan requests and account problems.
• Recourse appeal and fair resolution of problems.
• Consumer information to help you manage your money effectively.

Check 21

Starting in October 2004, federal law will recognize a new type of payment document called a "substitute check." The Check Clearing for the 21st Century Act, the law that makes this possible, will permit quicker processing of checks by allowing financial institutions to convert your checks to electronic images.

While the financial industry is working hard to streamline the process, members will still be able to use the familiar paper check. Here's what to know about Check 21 and you:

1. The "float" will disappear... More rapid processing of checks will mean less float. Members will have to make sure that adequate funds are in their account when the checks are written.
2. Consumer rights are protected... Protections for consumers have been built into the law. Losses in check fraud cases are typically borne by the credit union or the merchant, not the consumer.
3. Check 21 should help combat payments fraud... The faster collection and return of checks should reduce overall fraud in the system.

What is a substitute check?

To make check processing faster, federal law permits financial institutions to replace original checks with "substitute checks." These checks are similar in size to the original checks with a slightly reduced image of the front and back. The front states: "This is a legal copy of your check, You can use it the same way you would use the original check."

View a Sample Substitute Check

What are your rights regarding substitute checks?

In certain cases, federal law provides a special procedure that allows you to request a refund for losses. You may receive up to $2,500 of your refund (plus interest) within 10 business days after we received your claim and the remainder not later than 45 calendar days.

How to make a claim for a refund?

If you believe that you have suffered a loss relating to a substitute check, please contact us. You must contact us within 40 calendar days of the date that we mailed the substitute check or the account statement.

Your claim must include:

• A description of why you have suffered a loss.
• An estimate of the amount of your loss.
• An explanation of why the substitute check is insufficient.
• A copy of the substitute check or identifying information (check number, payee, and amount).