The Board of Directors of Self Reliance Baltimore Federal Credit Union (SRBFCU) voted to pursue a merger with UKRFCU. On May 13, 2023 a vote of Baltimore Self Reliance members approved moving forward with the merger.

SRBFCU is merging with UKRFCU to provide you with even more benefits and services as a credit union member. Our two organizations share many of the same values and combining our resources will bring together the best of both! UKRFCU is a full-service financial institution that offers free checking with mobile check deposit, VISA debit and credit cards with access to over 30,000 surcharge-free ATMs, a variety of mortgage loan options along with investment property loans, vehicle and personal loans, online banking and mobile banking app, and much more!

Your savings and checking account rates will adjust to the current rates at UKRFCU on June 1, 2023.

All existing SRBFCU member share certificates will remain at the same rate same until maturity. At the maturity date, you will have the option to renew your share certificate based on the rates offered at that time. All Share Certificate rates are published here.

Your existing loan rate(s) and payment(s) will continue to fall under the Terms and Conditions of your current loan agreements. Any new loans will originate directly with UKRFCU. All loan rates are published here.

Yes. Your SRBFCU Debit card will work until the data conversion in the Fall of 2023. We will issue you a new UKRFCU VISA Debit Card in the Fall that will replace your SRBFCU Debit card.

Yes. You can continue to use your existing checks until the data conversion in the Fall of 2023. You will receive new UKRFCU checks, at no cost to you, in the mail that will replace your SRBFCU checks. When you receive your new UKRFCU checks be sure to destroy your previous SRBFCU checks once the conversion is complete since your previous checks will no longer be valid.

Continue to use the existing home banking system until the data conversion in the Fall of 2023. You will receive instructions on how to sign up for the new UKRFCU online banking system. If you prefer, make a back-up history for your transactions from the existing SRBFCU Home Banking system because your previous transaction history will not be transferred over to UKRFCU Online Banking.

No. Each year you will still be given an opportunity to run for the Board of Directors and/or vote in the annual election. This is a benefit of your status as a member/owner of UKRFCU.

There are many ways you can qualify for membership with UKRFCU. To be a UKRFCU member, you must fall into our field of membership. Follow this link to our Membership Eligibility section to review a complete list of Churches, Educational institutions, and Organizations within our field of membership.

The Baltimore branch will remain at the existing location on at 2345 Eastern Avenue. As of June 1, 2023, the hours of operation will remain as is:

Monday, Wednesday – Friday: 11:00am – 4:00pm

Tuesday: 10:00am – 4:00pm

Stay tuned to this merger update page and our Locations page for updated hours in the future. We will keep you updated.

Our main office is located in Feasterville, Pennsylvania and we have 5 full-service branch offices in the Philadelphia region.

As of June 1, 2023. Some services will take more time to integrate. Contact us at baltimore@ukrfcu.com to start the conversation.

The combining of our credit unions will take place between June 1, 2023 and Fall 2023. Here is the tentative timeline:

June 1, 2023 – Merger effective date. SRBFCU members become UKRFCU members and will have access to UKRFCU’s share certificates, loans, mortgages, and more.

Fall 2023 – Data conversion to UKRFCU technology and data processing platform, which will give you access to the following UKRFCU services:
• Online banking system with many new features
• Mobile banking app with remote deposit
• Upgraded Visa debit card with access to over 30,000 free ATMs nation wide
• Zelle
• Easy loan payments online
• VISA credit card with many benefits and rewards
• And much more!

Our goal is to provide a seamless transition. Throughout the process, you will be able to access your account(s) as you did before. During the data transition in the Fall of 2023, some planned interruptions in the electronic systems will be expected. You will receive notices from us about the dates and times of the projected outages.

You will continue to be able to use the Home Banking System that you are accustomed to accessing. Upon conversion of data systems later this Fall, we will send you instructions and updated information on how to access the UKRFCU Online Banking System which will also provide you access to the UKRFCU Mobile App and additional digital services.

Your existing SRBFCU VISA credit card balance will stay at the rate that you currently have.

You are welcome to apply for a UKRFCU Visa Credit Card. All new purchases and cash advances on the new UKRFCU VISA Credit Card will be under the new terms and conditions that will be communicated to you in a separate mailing.

Yes! Your deposit accounts will remain insured at the same level as before. The National Credit Union Administration (NCUA) insures all deposits up to $250,000 per account.

The staff and management at UKRFCU is happy to assist you.

For all current account inquiries, please call the Baltimore branch directly at 410.327.9841

If you are interested to learn more about UKRFCU loan and savings products immediately, please call our main office at 215.725.4430

All email inquiries can be sent to baltimore@ukrfcu.com