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umicofcu.net 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.

 

 

Welcome UMICO FCU MEMBERS

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

                                            National Insurance Group

 

 

 

 

SPRING LOAN SPECIAL

Refinance your existing used or new auto

loan with us and we will deduct 1.00%

off your existing rate.

Loan Special now through June 30,2022

floor limit of 1.75%

       

 

NEW TEMPORARY HOURS

Monday through Friday 9-2:30    

 

 

 

 

      Apply today for a low interest rate Home Equity Loan         

           3.49% Fixed Rate          

                                                

 

 

COVID-19 UPDATE

Keeping our members safe

Effective Tuesday March 17, 2020

 

  • The credit union will operate with reduced staff from 9-2:30 Monday through Friday.

  • Members are encouraged to perform transactions electronically or via phone. (Online banking is available 24/7 – contact the Credit Union if you need help logging in).

  • Certain ATM fees are being waived to facilitate remote banking. If you do not have a debit card, please contact the Credit Union and we will have a card expedited to you.

  • Exceptions requiring in-person transactions will be handled at door 3 consistent with the process for retirees (contact the credit union in advance).

 

 

 

                                                                              

 

 

   UMICO FCU NOW  OFFERS HOME EQUITY LOANS

3.99% FIXED

                     All closing costs are paid by the Credit Union                               

                                                              

 

 

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.

 

 

DID YOU KNOW THAT YOU COULD VIEW AND PAY YOUR CREDIT CARD ONLINE?

GO TO www.ezcardinfo.com

 

LOOKING FOR OUR LOAN RATES?

YOU CAN VIEW OUR CURRENT INTEREST RATES ON THE LEFT HAND COLUMN

WE OFFER *FEE FREE CHECKING*

As of February 10, 2014 Americu FCU is no longer part of the CO-OP Network

*CHECK OUT OUR ATM LOCATOR ON THE LEFT*

WE ARE PARTNERED WITH THE CO-OP ATM NETWORK WHICH GIVES YOU THE ABILITY TO USE YOUR ATM CARD THROUGHOUT THE COUNTRY

(WE OFFER 4 FREE ATM WITHDRAWALS MONTHLY USING CO-OP ATM'S)

 

 

 LOST OR STOLEN UMICO FCU

VISA DEBIT OR CREDIT CARD?

CONTACT NUMBER:

FOR VISA CREDIT CARDS  1-800-543-5073

FOR VISA   DEBIT CARDS    1-800-754-4128

 

Sallie Mae Smart Loan Option

(click on the link for more information)

www.salliemae.com/smartoption/umicofcu    

 

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Visa Gift Cards
Available
 
$10 Minimum
$500 Maximum
 

($4 Fee Per Card Purchase)

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