A new chapter begins!
On October 1, 2025, Ukrainian Selfreliance Federal Credit Union and Self Reliance New York Federal Credit Union officially merged to form Self Reliance Financial Federal Credit Union (SRFFCU).
Visit your designated credit union website to access additional information and log in to Online Banking.
Welcome to Self Reliance Financial Federal Credit Union (SRFFCU).
Serving Ukrainians and Americans since 1951.
Formerly Ukrainian Selfreliance Federal Credit Union and Self Reliance New York Federal Credit Union, we offer loans, savings, and e-services designed to support your financial journey. With over 31,000 members and $1.9 billion in assets, we proudly serve communities across Maryland, New Jersey, New York, and Pennsylvania. Our regional centers in New York City and Suburban Philadelphia remain open and committed to meeting your financial needs. Rooted in tradition, we’ve served Ukrainians and Americans for five generations, and we’re building a stronger future together.
What This Merger Will Mean For Our Members?
What Members Can Expect:
In a historic milestone for the Ukrainian American community, Ukrainian Selfreliance Federal Credit Union and Self Reliance New York Federal Credit Union have officially merged. Here’s what members can expect:
No Immediate Changes
Your accounts, loans, and online banking remain the same for now.
2026 Integration Begins
We’ll start aligning products and services for a seamless member experience.
Expanded Branch Network
Serving Maryland, New Jersey, New York, and Pennsylvania.
Locations
With headquarters in New York City, our credit union remains committed to serving your financial needs through two regional centers: one in New York City and another in suburban Philadelphia. All branch locations will continue to operate as usual.
What is changing?
As our teams, operations, and credit unions unite, you may notice new faces, fresh energy, and some changes in the coming months.
We’re also rolling out new branding and logos to reflect our unified identity.
While our name and look are evolving, our values remain unchanged, and our commitment to the Ukrainian American community remains as strong and proud as ever.
FAQs
Member Communication
How will members stay informed throughout the process?
Members will receive updates through emails, newsletters, social media, in-branch announcements, and the credit union’s website.
Will members be notified of any immediate changes?
Yes. While there are currently no immediate changes to your accounts or services, any updates will be communicated clearly and promptly. Transparency is our priority, and we’ll ensure you’re informed every step of the way.
What is the timeline for the merger?
The merger will take place in two key phases: Legal Merger and Operational Merger.
- Legal Merger – Ukrainian Selfreliance Federal Credit Union and Self Reliance New York Federal Credit Union will legally merge into a single, unified credit union entity. This step enables us to make decisions that benefit our entire membership. The legal merger is effective October 1, 2025.
- Operational Merger – Following the legal merger, we’ll begin aligning all operational aspects including accounts, loans, products, and services. This operational integration is expected to be completed in 2026.
Rest assured, there will be no immediate changes to your accounts, products, or services. Any changes that do occur will be clearly communicated to you well in advance, so you’ll always know what to expect. Our priority is to ensure a seamless transition with minimal disruption to your everyday banking experience. We are committed to keeping you informed every step of the way.
How does this merger support the Ukrainian community?
The merger enhances financial stability and expands services tailored to the Ukrainian-American community, preserving cultural legacy while building for the future. Our mission has not changed. We remain committed to supporting the Ukrainian community and honoring the values of the Ukrainian people.
Accounts, Loans & Services
Will my account or routing numbers change?
No immediate changes. We’re evaluating systems and will communicate any updates well in advance. For now, each regional office will continue using the same routing number as before.
What happens to my accounts, loans, and online banking?
All services will remain unchanged in the short term. Future enhancements will be clearly communicated, with support available throughout the transition.
Will my direct deposits and automatic payments be disrupted?
No disruptions are planned. Any necessary updates will be shared ahead of time.
Will my ATM/debit/credit cards still work?
Yes, your existing debit and credit cards will continue to function as usual. Cards may be reissued in the future to reflect the new credit union name, and any such updates will be clearly communicated in advance. At this time, there will be no changes to your current terms and conditions.
Will online and mobile banking access change?
No changes as of now. We’re committed to enhancing digital services with minimal disruption to your current experience.
Will my loan terms (rates, payment schedules) change?
No. Your current loan agreement remains in effect.
Will the process of obtaining loans change?
No changes are expected in how members apply for or receive loans.
Will mortgage servicing change?
There are no plans to change mortgage servicing.
What is currently changing?
As our teams and operations unite, you may notice:
- New faces and fresh energy
- Updated branding and logos
- Some changes in the coming months
- New name
Don’t worry, we’ll communicate everything clearly and in advance.
Account Security & Insurance
Is my account insured by NCUA?
Yes. Accounts are insured up to $250,000 by the National Credit Union Administration (NCUA), backed by the full faith of the U.S. Government.
For a period of six months following the merger, accounts from Ukrainian Selfreliance Federal Credit Union and Self Reliance New York Federal Credit Union will be separately insured by the NCUA. October 1, 2025 is the date of the merger and serves as the effective date for timing this separate insurance coverage. This separate insurance coverage will end six months after the effective date of the merger, on March 31, 2025. After this period, all accounts will be insured under a single coverage limit. In case of share certificates renewed at the same dollar amount and for the same term within this six-month grace period, the separate insurance coverage applies until the earliest maturity date following that six-month period. A share certificate that matures within the six-month grace period that is renewed on any other basis, or that is not renewed, is separately insured only until the end of the six-month grace period.
Source:
https://ncua.gov/consumers/share-insurance-coverage/frequently-asked-questions-about-share-insurance
Where can I learn more about insurance coverage?
Visit the https://mycreditunion.gov/ for detailed information.
How will my data be protected during the merger?
During the merger, both credit unions, Ukrainian Selfreliance Federal Credit Union and Self Reliance New York Federal Credit Union, remain fully committed to upholding the highest standards of data privacy and security. Protecting members’ personal information is a shared priority, and both credit unions will continue to follow rigorous safeguards to ensure your data remains safe and secure throughout the transition and beyond.
Will I still be able to speak with the same staff members?
Yes. You’ll continue to work with the same trusted team members.
Important Member Disclosure Notice
October 1, 2025, marks the official launch of Self Reliance Financial Federal Credit Union. During this transition, we are actively working to integrate products, services, systems, policies, procedures and forms across all physical and digital channels. Not all physical or digital channels currently have access to all systems from the legacy institutions. Membership agreements will be updated in the future to reflect the unified SRFFCU structure. Read the full disclosure here.
