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then Rates 

Savings Rates
Share Accounts .25% A.P.Y.
Holiday Club 0.15%A.P.Y.
CD Rates
6month .401% A.P.Y
12month .501% A.P.Y


APY= annual percentage yield

Rates and terms are subject to change without notice.

Deposits insured up to $250,000 by the NCUA, a U.S. Government Agency.

Privacy Policy

UMICO Federal Credit Union

Privacy Policy


 We Respect Your Privacy

  We have never shared nonpublic personal information except as required by law and we will         continue to protect your privacy.

Our Privacy Disclosure Policy

Categories of information that we may collect

  We collect nonpublic personal information about you from the following sources:

  •  Information we received from you on applications or other forms, such as: your name, address, social security number, assets, and income.
  • Information about your transactions with us, our affiliates, or others, such as: your account balance, payment history, parties to transactions, and credit card usage.
  • Information we received from a consumer reporting agency, such as: your credit worthiness and credit history.

Categories Of Information That We Disclose

  We do not disclose any nonpublic personal information about our members or former members to anyone, except as required by law.

Disclosure As Permitted By Law

We may disclose all of the information we collect, as described above to service providers and companies that perform marketing services on our behalf ( for example-check printing companies).

Confidentiality and Security

  We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

If you ever have questions or concerns about the integrity of your account information, please contact us.



       We are proud to serve employees and their family members of Utica National Insurance Group






$ 5000.00 FOR 36 MONTHS @ 7.99%

Applications are available to print under the links tab.







      Apply today for a low interest rate Home Equity Loan         

          5.99% Fixed Rate          



Sign up today for E-statements and we will credit your regular share account $ 5.00 

You will receive an email monthly letting you know your statement is ready to be viewed through our online banking.






Sallie Mae Smart Loan Option

(click on the link for more information)