COVID-19 Updates

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.
    • 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 will begin Monday, May 4th. (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 23, 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
  • Revised Lobby hours begin May 27th
    • Vulnerable or at-risk members 9:00 AM – 10:00 AM, M-F
    • 10:00 AM – 4:00 PM, M-F for all other members needing to conduct teller transactions

Student Union: Closed until further notice (Student Union building is closed to public)

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.