At a glance
From its website, read 2 Nov 2026Urban Upbound Federal Credit Union is a credit union based in Long Island City, New York. Its website describes credit-builder loans, personal loans and small-business loans. Where it lends: Membership open to anyone who works, worships or resides in western Queens (Long Island City, Astoria, Sunnyside, Woodside). It says it considers borrowers with low or no credit history.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (718) 784-5050 source |
|---|---|
| Website | www.urbanupbound.org |
| Office (official list) | 13-03B 40th Avenue Ground Floor, Long Island City, NY 11101 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Membership required
The Urban Upbound Federal Credit Union offers membership to anyone across all five boroughs
source - Low or damaged credit considered
provides low barriers to entry that allows members to access financial services despite having less-than-perfect credit.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Mar 2012 |
| RSSD ID | 4194765 |
| Address | 13-03B 40th Avenue Ground Floor, Long Island City, NY 11101 Directions (Google Maps) |
| Website | www.urbanupbound.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Credit union loan pages give no loan amounts or application details, and the credit union's own website was not fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Credit-builder loans | — | Members can apply for a credit builder loan to repair damaged credit and create a habit of saving. | source |
| Personal / consumer loans | — | Whether you are interested in purchasing a used vehicle, refinancing an existing loan, consolidating your bills, or financing other needs, the Urban Upbound Federal Credit Union has a loan for you. | source |
| Small-business loans | — | No matter what your business needs are, the Urban Upbound Federal Credit Union can customize a loan package with flexible payment schedules to help your business succeed. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Membership open to anyone who works, worships or resides in western Queens (Long Island City, Astoria, Sunnyside, Woodside)
who works, worships, or resides in western Queens (Long Island City, Astoria, Sunnyside, and Woodside)
source
Counties this matches: Queens County, NY
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://urbanupbound.org/
- https://urbanupbound.org/financial-counseling-and-affordable-housing/
- https://urbanupbound.org/our-financials/
- https://urbanupbound.org/federal-credit-union/
- https://urbanupbound.org/our-programs/
- https://urbanupbound.org/employment-services/
- https://urbanupbound.org/business-innovation/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your credit-builder loans and personal loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your small-business loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$725,000 in 4 awards from the U.S. Treasury's CDFI Fund, 2013–2024 (CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
| 2021 | CDFI Rapid Response Program | $200,000 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
| 2013 | CDFI Program, Technical Assistance | $100,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as URBAN UPBOUND (charter 24823). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $2.2 million (as of 30 Jun 2026) |
|---|---|
| Members | 1,471 (as of 30 Jun 2026) |
| Offices | 2 (as of 30 Jun 2026) |
Offices by state and county (2)
New York (2 offices)
- Queens County (2): 1303b 40th Ave, Long Island City 11101 (main office); 3135 Steinway St, Astoria 11103
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Urban Upbound Federal Credit Union (NCUA charter 24823, filed as “URBAN UPBOUND”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $113,095, 58 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 29.0% from $159,183 on 30 Jun 2025 |
| Members | 1,471 (as of 30 Jun 2026); 1,493 (as of 30 Jun 2025) |
| Loans per member | $77 (total loans divided by members, 30 Jun 2026) |
| Total assets | $2.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Credit cards | $1,287 | 1.1% |
| Other unsecured loans | $111,439 | 98.5% |
| Leases and other secured loans | $369 | 0.3% |
None reported on the 30 Jun 2026 report: new vehicle loans; used vehicle loans; first-lien home mortgages (1-4 family); other real estate loans (junior liens, other); commercial (business) loans.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $2.2 million | Larger than 17% of the 18 other certified credit unions in New York (median $47.3 million). |
| Loans as a share of assets | 5% | Median of the same 18 credit unions: 64%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $159,183 → $113,095 (-29%) | Median change of 17 other certified credit unions in New York: +1%. Rank by loans held among these 18: 18 → 18. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in New York | 18 | larger than 17% |
| Loans held then vs now | certified credit unions in New York reporting both dates | 17 | rank 18 → 18 of 18 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Long Island City and New York
- ADIRONDACK ECONOMIC DEVELOPMENT CORPORATIONLoan fund · Saranac Lake, NYSmall-business loansVerified
- Alternatives Federal Credit UnionCredit union · Ithaca, NYAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Amplify Equity, Inc.Loan fund · Elmira, NYSmall-business loansVerified
- Ascendus Inc.Loan fund · New York, NYChild-care facility financing, Credit-builder loans, Small-business loansVerified
- BOC Capital Corp.Loan fund · Brooklyn, NYEnergy / solar / efficiency loans, Microloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- BlocPower L.L.C.Loan fund · Brooklyn, NYEnergy / solar / efficiency loansVerified
Work at Urban Upbound Federal Credit Union? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.