Why Aspire?

There are so many benefits to Aspire membership. Here are just a few!

• ePower Plus, our FREE rewards checking account – earn 1 point for every $1 spent with your Aspire Debit Card. Redeem points for cash back.
• Purchase Rewards allows you to get cash rebates credited back to your checking account just for shopping with your Aspire Debit Card.
• State-of-the-art online and mobile banking platform.
• Member Discounts through our partnerships with Love My Credit Union and TruStage Auto & Home Insurance.
• Low rates on loans with discounted GAP Insurance and Mechanical Breakdown Protection.
• and much more!

All UPS employees, full-time or part-time, and their families are eligible for membership! Click here for FAQs on Aspire membership!

New members just need a driver’s license, email address, social security number and debit/credit card handy. They can join by one of these three methods:

• Click here for online member application
• Call 888.322.3732
• Apply for a loan online or by phone

Here’s why your fellow team members love to bank with us:

• Early Payroll Program* gives you your paycheck Thursday night instead of Friday when you sign up for direct deposit
• A network of over 30,000 surcharge-free ATMs
• Easy-to-use online and mobile banking platforms
• Low rates on loans
• Free rewards checking account

Join now >>

Love My Credit Union Rewards Program

How do exclusive discounts on things you use every day sound? That’s what you get with Love My Credit Union Rewards! Credit union members save on everything from a new GM vehicle to Sprint service & more.

*When we get it, you get it! When you enroll in Direct Deposit with Aspire FCU, your paycheck funds will be available as soon as we receive a payroll posting from UPS Local 177. This typically occurs on Thursday mornings. Subject to change based on federal holiday schedule.

Not yet a member? Join now!

Joining Aspire is quick and easy. You’ll get all of the benefits of being a member-owner of your financial institution. Plus, take advantage of UPS-specific products and services.

Use promo code FREEUPS to have your $5 start-up amount to be paid by us!

Give us a Call

A knowledgeable service expert will talk you through the application process when you call 732-388-0477, Option 3.

Aspire Online Membership Applications

Joining online is quick and easy. Click here to apply!

What You’ll Need to Apply

• Your driver’s license number
• Home address
• Social security number
• Debit/credit card to add funds

UPS Local 177 members will be credited for the $5 share when using promo code FREEUPS.

Join now >>

Direct Deposit – Aspire’s Swift Access Payroll Program

Would you like to have access to your UPS Local 177 payroll funds on Thursday evening without having to go to a branch to cash your paycheck? When you enroll in Direct Deposit with Aspire you can access your funds with your Debit card as soon as your UPS Local 177 payroll posts to your account.*

Finding one of our surcharge-free ATMs is easy with our Branch/ATM Locator. Just enter your zip code to find locations near you!

Ask your Human Resources Manager for Direct Deposit at Aspire so you can take advantage of ASAP Direct Deposit.

We’re here to help you. If you have any questions or concerns, do not hesitate to ask. Call one of our friendly Service Experts any time, day or night at 732-388-0477, Option 3.

*When we get it, you get it! When you enroll in Direct Deposit with Aspire FCU, your paycheck funds will be available as soon as we receive a payroll posting from UPS Local 177. This typically occurs on Thursday evenings. Subject to change based on federal holiday schedule.

Online and Mobile Banking

While we do have a branch in New Jersey and New York, we’re able to serve members anywhere. That’s because most of our members depend solely on our electronic banking services.

With online banking, you can access your accounts online to check transactions, set up Bill Pay, make transfers and much more. You’ll also have access to your loans and Mastercard credit card as well.

Aspire Mobile Banking allows you to obtain account balances, deposit checks, view transaction history, use Bill Pay, set up push notifications, find a branch or ATM near you and make transfers between accounts. Mobile banking uses the same login information as online banking. For members with select smartphones, you can use Touch ID to access accounts.

Check Out These Online/Mobile Banking Features

Online banking can make your life more convenient, and even help you save!

Popmoney – You can transfer funds to another person using their email address or phone number.

Purchase Rewards – When you use your Aspire Mastercard Debit Card, you’ll get cash back offers from the types of stores and restaurants you like to go to.

Quick Balance – You can now view your account balance and recent transactions without logging in. A swipe down on the Mobile Banking logging screen will provide this information for you. You just need to activate this feature in Settings in Mobile Banking.

Log into online banking to enjoy these features!

App Store

We have a variety of apps available to help you manage your money more easily:

• Mobile banking apps for Apple, Android and Amazon devices
• Shared branch locator
• Surcharge-free ATM locator

View them all here.

Shared Branches & ATMs

Aspire has over 5,000 Shared Branch locations and 70,000+ Surcharge-Free ATMs in our network.

Shared Branches – We’ve partnered with other financial institutions across the nation so you can have easy access to your money. At a shared branch, you can deposit, withdraw or transfer money. You can also inquire about your loan balance and make loan payments.

Surcharge-Free ATMs – Use your debit card to access your money at a surcharge-free ATM near you.

Please note that only Aspire, Allpoint & Co-Op network ATMs are surcharge free.

Download the apps or use the map on this page.

Promotions

Use promo code FREEUPS to have your $5 start-up amount to be paid by us!

Apply For a Mastercard Today!

As a UPS Local 177 employee, you’re eligible to apply for an Aspire Mastercard Credit Card! With low rates and 0% APR* on balance transfers for six months, our cards provide an alternative to those other high rate cards!

Existing members can apply through My CU Online. Non-members must apply for membership first. Call 732.388.0477 for more information.

*APR=Annual Percentage Rate. 0% introductory rate for six months. After the introductory period, APR will depend on individual creditworthiness. For qualified borrowers only. Must apply and be approved for credit card first before applying for balance transfer.

Loans Available at Aspire

For detailed information, visit this page or contact a Loan Expert at 732-388-0477.

Personal Loan – You can apply for one of our Personal Loans with higher credit limits or a FlexLine (Checking Overdraft/Personal Line-of-Credit) to be more prepared for unexpected expenses.

Auto Loan – We offer up to 100% financing on new and used vehicles, competitive rates, plus other benefits for financing your vehicle with Aspire. 

Mortgages – We’ve recently partnered with Land Home to offer Aspire members Mortgages, Refinance Options, and Reverse Mortgages! Click here to learn more and apply or call 855.995.5039.

Credit Builder Loan – Build new credit or restore credit history with a Credit Builder Loan. A loan is made to you, but the funds are put on hold in your savings share account until you’re able to pay it off.

Apply for a loan here >>

LIFE COVERAGE – ACCIDENT & ILLNESS BALANCE CANCELLATION

Help Safeguard Your Loan with MEMBER’S CHOICE™ Borrower Security
You have dreams for yourself and your family – a happy retirement, college plans, a new car. But have you considered how you or your family would cover your financial obligations if you fell victim to an unfortunate event?

With MEMBER’S CHOICE™ Borrower Security, every eligible member pays the same fee and you only buy enough protection to cover your loan balance. Tying protection directly to your loan means you’ll have exactly the right amount of protection – no more, no less, and that saves you money. Other benefits include:

• Simple eligibility requirements
• Fast, easy enrollment
• Immediate enrollment for eligible borrowers
• Convenient – fee can be included in your monthly payment

You can count on MEMBER’S CHOICE™ Borrower Security to step in when you and your family need help the most.

Contact a Loan Consultant at 732-388-0477 to learn more about the plans available.

*This is a summary of our Payment Protection program. Enrollment in the program is voluntary and not required to obtain a loan. Member’s Choice Borrower Security Program is a debt cancellation product available through Aspire Federal Credit Union. Please contact your Aspire Federal Credit Union Loan Consultant, or refer to the Member Agreement for additional information on benefit maximums, eligibility, and limitations.

ePower Plus

Empower your finances with Aspire’s new ePower Plus free checking account! We’ll give you 1,000 bonus enrollment points ($5 cash back) when you open the account. Plus, we’ll help you:

• Boost Purchases with Points – when you have to spend money, use your debit card to earn 1 point for ever $1 spent, redeemable for cash back!
• Benefit from Special Promotions – earn bonus points throughout the year during special promotional periods.
• Turn Everyday Purchases into Cash – with our Purchase Rewards program, you can use your debit card to get cash back offers from participating retailers. You can also get cash back through Love to Shop! Shop online at over 1,500 of your favorite stores, including Target, Best Buy and Gap. Every time you earn $15 or more in cash back from your purchases, you’ll receive a check with the cash back you earned! Shop using your Aspire Debit Card and save even more money!
• Fight Identity Theft – enjoy ID Theft Protection featuring insurance up to $25,000 – a great perk that’s 100% FREE with this account! We’ve partnered with one of the nation’s most trusted names in ID theft protection to provide fully managed identity fraud research, remediation and recovery, as well as lost document replacement and optional credit monitoring. Coverage extends to up to three generations of your family!
• Focus on Rewards (Not Requirements) – we make it easy to earn rewards. Dip your EMV chip and SIGN! There’s no minimum spending amount required to start earning points.

Open your ePower Plus account today – and experience a new kind of banking!

Resources For You

Dream BIG! Blog – We post a couple times a week with financial advice, promotion and news that may affect you.

Used Vehicle Checklist – Our handy checklist can be printed and taken to the dealership to help you feel confident about examining your potentials.

Banks vs. Credit Unions

What is a credit union?

A credit union is a not-for-profit financial cooperative organized to provide a full-range of financial products and services to its members, who are also owners of the credit union.

Am I eligible to join?

All UPS Local 177 employees, whether full-time or part-time, are eligible to join Aspire FCU. Your immediate family members are also eligible to join. And once you’re a member, you’re always a member, even if you change jobs or move out of the area.

What makes Aspire better than a bank?

Aspire FCU provides consumers with another option to serve their financial needs. Since we are not-for-profit, we’re typically a lower cost alternative for a consumer. Members will also experience personal service because at Aspire, you come first, not stockholders.

Is my money safe at Aspire FCU?

Yes! All savings accounts are insured up to at least $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government. Not one penny of insured savings has ever been lost by a member at a federally insured credit union.

Can I borrow money from Aspire FCU?

Aspire FCU offers many types of loans from used & new auto loans to home equity loans (also known as a Second Mortgage). We even offer a Credit Builder Loan for those just starting out who need to establish credit or those who need to work on improving their credit score. Our friendly Loan Experts are dedicated to working with you to decide which loan best suits your needs.

How do I access my money? Is there a branch nearby?

There are various ways you can access your accounts. You can enroll in our FREE online banking website, call our Contact Center at 732-388-0477, Option 3, or set up Mobile Banking.