COVID-19 Updates

11/23/2020: Members and Employees follow the city’s ordinance and are wearing face coverings in our lobbies.

  • The mask mandate UCFCU follows will remain effective until the next review date of Feb. 28, 2021.
  • Our management team is constantly reviewing our in-person, lobby traffic, our call volume and our drive-thru transactions to ensure our Members and Staff are receiving excellent service in a safe and efficient manner.
  • Lobby and Drive-thru sanitizing protocol remains intact to disinfect items you may be in contact with.
  • Lending is being handled online or via the phone @ 405.743.3328. Please call if you have questions.
  • COVID-19 has presented all of our Members challenges, please reach out to us if we can answer your questions or if you have concerns.

New Hours Reminder:

  • Main Branch – Lobby 9:00 am – 5:00 pm, M-F
    Drive-Thru 8:00 am – 6:00 pm, M-F and 8:00 am – 1:00 pm, Sat.
  • Student Union – Lobby 9:00 am – 5:00 pm, M-F (Limited hours after Thanksgiving.)

REMINDER:  Both UCFCU locations will be closed Thanksgiving Day, Thurs., 11.26.2020

10/01/2020: Members and Employees follow the city’s ordinance and are wearing face coverings in our lobbies.

  • Effective Oct. 1st, 2020 – UCFCU’s hours of operations will change to:
    • Main Branch – Lobby 9:00 am – 5:00 pm, M-F
      Drive-Thru 8:00 am – 6:00 pm, M-F and 8:00 am – 1:00 pm, Sat.
    • Student Union – Lobby 9:00 am – 5:00 pm, M-F
  • Face-to-face meetings with our lending staff is still limited, due to 6′ distancing requirements. Loan requests and servicing questions are being quickly handled via the phone and online.
  • Our Member Contact Center has added some full-time staff to help eliminate COVID caused longer wait times. The option to leave a message for lending and Member Services are also available, leave your name and phone #.
  • Thanks for your continued patience during the pandemic!

08/10/2020: Members and Employees continue to follow the city’s ordinance and are wearing face coverings in our lobbies for everyone’s protection.

  • The UCFCU OSU Student Union Branch opens today, 8.10.2020 and will have lobby hours of:  9 am – 4 pm, M-F.
  • The Main Branch is operating under the hours posted on this page, dated July 11th.
  • Phone lines at 405.743.3328 have been extremely busy. Leaving a message for Members Services or Lending is an option you can utilize. An associate will call you back as soon as possible.

07/11/2020: UCFCU will follow the City of Stillwater’s (OK) Ordinance 3452 regarding required face coverings, which will be in effect thru 11.30.2020.

UCFCU Members and Visitors will:

  • Wear face covering when entering our lobbies.
  • Not enter the lobbies if they are sick or have a fever.
  • Be asked to wear a face covering and may be asked to leave if they refuse to follow the City Orders.
  • Enforce the 6 feet of Social Distancing while in UCFCU lobbies.
  • Contact a Manager should they have any medical issues related to mask wearing or need further clarification on UCFCU’s actions.

Thank you for understanding our need to keep our Employees and Members safe.

July 11th  – Present

Main Branch:  311 E. McElroy Rd., 9 am – 4 pm, Monday – Friday
– currently open for teller transactions only
– lending needs are handled via phone and online applications for now

Road Construction: Use Perkins Rd., then West on McElroy to access the credit union during the closing of Main and McElroy Rds.

OSU Student Union Branch:  054 Student Union-OSU Campus, office is still closed, but expected to open soon!

Main Branch: 311 E. McElroy Rd., 8 am – 6 pm, Monday – Friday and 8 am – 1 pm, Saturdays

06/15/2020: Thank you Members for your patience as we work through this pandemic together. Please continue to wear your face covering while in the lobby to protect yourself and our employees.

Online applications are being processed as quickly as possible, so continue to use the electronic channels we have in place: Online banking, mobile banking, mobile deposit and online new account or loan applications.

Our hours remains the same as posted on 5.27.2020 below. Stay safe and healthy!

05/27/2020: New temporary lobby hours begin for teller transactions only.

  • Drive-thru Remains the recommended channel to handle your deposit transactions and lending needs.
  • Revised Lobby Hours of 9 am – 4 pm, M – F begin 5.27.2020 to present day
    • Vulnerable or at-Risk Members 9:00 am – 10:00 am, M-F
    • 10:00 am – 4:00 pm, M-F for teller transactions only
      (For now, Lending applications should be completed online or by phone. Lending offices currently do not have a 6′ distancing option.)
  • UCFCU continues to follow the City of Stillwater’s orders and guidances.
    • Please wear a face mask
    • DO NOT enter the lobby if you are sick, have a fever or refuse to follow updated City Orders
    • 6 feet of Social Distancing will be enforced while in the lobby

05/01/2020: Lobby hours set for teller transactions as Stillwater takes a phased approach to business re-openings

  • Drive-thru Still the recommended and safest way at this time to handle your deposit transactions and lending needs.
  • Limited Lobby hours for this phase were: Monday, May 4th through May 27th
    (temp lobby hours for teller transactions changed on 5.27.2020 – see above)

    • Vulnerable or at-Risk Members 9:30 am – 10:30 am, M-F
    • 10:30 am – 1:30 pm, M-F for other members needing to conduct teller transactions
      (Lending needs continue to be handled via our website or by phone. Lending offices are small and do not have a 6′ distancing option.)
  • UCFCU follows the City of Stillwater’s orders and guidance on keeping our Members and Employees safe. They can change frequently, thus our procedures will adapt as needed.
    • Members will be encouraged to wear face masks
    • Members cannot enter the lobby if they are sick, have a fever or refuse to follow updated City Orders.
    • We continue to enforce 6 feet of Social Distancing while in our lobby. Follow the signs and X’s inside.

04/20/2020: Drive Thru and Call In Peak Times

  • Drive-thru usage has increased due to our lobby being temporarily closed. In a hurry? You may want to avoid the peak usage times which typically occur at midday (11:3o am – 1 pm) and then again at the end of the day (4 pm – 5 pm).  Our Member Services team is handling drive-thru transactions as quickly as possible, all while disinfecting tubes and pens between transactions.
  • Calls. Members may experience longer than normal hold times when calling during peak times with our lobbies closed. If you are not able to wait on hold, please leave a message and a Member Services Representative will call you back. You can also submit a question online at and we will contact you. We appreciate your patience!

04/15/2020: Payment Status

04/03/2020: Update

  • UCFCU lobbies will remain closed until April 30th due to the Oklahoma and Federal Administration’s extension of social distancing practice and non-essential business closing requirements. The UCFCU Drive-thru is open and ATMs are operational. Lending applications are being taken online and all online financial services: online banking, mobile banking and mobile deposit are available for members. Call 405.743.3328 if you need assistance or need to set an appointment.

03/23/2020: Update

  • Reminder that starting today, lobbies are closed to the public without an appointment. To make an appointment please call 405-743-3328.

03/20/2020: Update

  •  Effective Monday March 23rd through May 4th, Lobbies will be closed except for appointments. Drive through will operate from 8am-6pm Monday – Friday and 8am-1pm on Saturday.

03/16/2020: Due to the threat of the novel coronavirus and COVID-19, UCFCU has already been taking steps to ensure member and employee safety.

  • Enhanced cleaning procedures are performed routinely including but not limited to:
    • Disinfecting stations after use
    • Disinfecting drive through tube equipment/pens
    • Suspending self-serve coffee and treats.
    • Postponing events or meetings
    • Rescheduling community financial education classes
    • Cleaning and disinfecting ATMs
    • Nightly disinfecting of the building
Locations and Hours

Main Location (311 E McElroy):

  • Drive Through open Monday – Friday (M-F): 8:00 AM – 6:00 PM; Saturday: 8:00 AM – 1:00 PM
  • New Permanent Lobby hours at the Main Location and the OSU Student Union Location –  effective October 1st, 2020
    • 9:00 am – 5:00 pm, M-F
  • COVID-19 Lobby hours at the Main Location
    • Vulnerable or at-risk members 9:00 AM – 10:00 AM, M-F
    • for all other members needing to conduct teller transactions  10:00 AM – 5:00 PM, M-F
    • Lending requests continue to be handled via phone and online, 405.743.3328 or

OSU Student Union location (UCFCU @ 054 OSU Student Union Basement):

    • 9:00 AM – 5:00 PM, M-F for teller transactions.
    • Lending call 405.743.3328 for an appointment or visit to apply.
Remote Technologies

There are many ways to access your account and manage transactions remotely.

How will you communicate credit union updates to Members?2020-03-25T16:49:43-05:00

For critical changes, during this unique situation, we will be sending email communications to email addresses on file. If you did not receive an email from us on 3.16 or 3.20 it would be a good time to check to make sure we have a valid email address. If you previously unsubscribed from receiving emails you will not be sent email notifications and  you will find credit union information on Facebook posts or Twitter feeds. The website will host a COVID-19 Update Page.


Is there help for small businesses?2020-03-25T16:46:59-05:00

There is an Oklahoma Small Business Disaster Economic Injury Assessment form that small businesses and private/non-profit organizations associated with COVID-19 can request support from the US Small Business Administration:

Can I participate in the shared branching option through UCFCU’s drive-thru?2020-03-25T16:46:26-05:00

YES! UCFCU offers co-op shared branching, normal transactions through our drive-up lanes at 311 E. McElroy, Stillwater OK. Visit the shared branching website, should you need to find other locations to access your accounts:

Can I do cash advances through the drive-thru?2020-03-25T16:43:56-05:00

YES! During this time when the State of Emergency is in place, we will accept Cash Advance requests through our Drive-thru.

Do I have to come into the branch if I need to open a new share account or begin the loan process?2020-03-25T16:43:12-05:00

With our lobbies closing to public traffic on March 23rd, you may open your account online at by using our account application or call us at 405.743.3328. Loan applications for cars,  and personal needs are available online.  Members can apply for a Credit Card online or even begin the Home Loan Process at You should call us for an appointment before coming to the branch. We can let you know your options.

Are you still lending money?2020-03-25T16:35:05-05:00

YES! We are here to serve our Members and offering loans. If you are looking to make a purchase where financing is needed, call your loan officer or 405.743.3328 to talk about your options or set an appointment.


Is my money in the Credit Union safe?2020-03-25T16:34:01-05:00

Yes! UCFCU is a federally insured National Credit Union Administration member. The standard share insurance amount is $250,000 per share owner, per insured credit union. You can visit to learn more about how NCUA Insurance works and also use the Share Insurance Estimator to estimate your insurance coverage.

What happens if you have to completely close UCFCU branches?2020-03-25T16:32:52-05:00

We do not foresee having to completely shut our drive-thru lanes down. If we are required to close our branches, we will do all we can to continue to serve our Members remotely. We are currently working on a plan that could include expanded call center or drive-thru services. We will also continue to offer our online and mobile services regardless of being able to have our lobbies/drive-thrus open. Our Management Team meets daily to evaluate the pandemic situation to try to ensure all Members needs are met.

What are your hours of operation?2020-03-25T16:19:58-05:00

Drive-thru lanes are open Monday-Friday 8am – 6 pm and on Saturday 8am – 1 pm

Lobby traffic. As of March 23rd UCFCU lobbies are closed to walk-in, public traffic but appointments are available.

ATMs ATMs are open 24/7/365

Online Banking & Mobile services– available 24/7/365

Are you open for business?2020-03-25T16:16:09-05:00

YES! Our drive-thru lanes are currently open for business and serving our Members.

Lobby Closure Update:

Beginning March 23rd and running through April 15th, UCFCU lobbies are closed to public traffic. Members needing face-to-face assistance can call 405.743.3328 or email the credit union at to set an appointment.

What is UCFCU doing to protect members/employees from COVID-19?2020-03-23T14:09:51-05:00

We are taking all the required precautions as described by the CDC, federal, state, and local governments. All areas of the Credit Union are undergoing enhanced cleaning and lobby access as of 03/23/2020 has been limited.