Your browser version is outdated. We recommend that you update your browser to the latest version.

Login to Online banking

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.

RATE CHART

AS OF 10/1/2023

 

 

NEW VEHICLE A.P.R. 2022- 2024

 

   

 

12-24mo.    

 

36mo

48 mo.

60 mo.

72mo. 

84 mo.

A

 

700+

 

 6.29%

6.39%

6.49%

6.59%

6.89%

 

7.39%

B

 

660-699

 

 6.50%

6.60%

6.70%

6.80%

7.10%

7.60%

C

 

620-659

 

 7.01%

7.11%

7.21%

7.32%

7.62%

8.12%

D

 

590-619

 

 7.79%

7.89%

8.00%

8.11%

8.42%

8.92%

E

 

550-589

 

 9.03%

9.13%

9.23%

9.35%

9.66%

10.16%

 

 

USED VEHICLE   A.P.R.                                                     
USED VEHICLES 2019-2021

 

   

 

 12-24mo.

36mo.

48 mo.

60 mo.

72mo.

84mo.

A

 

700+

 

 6.54%

6.54%

6.89%

6.99%

7.29%

7.69%

B

 

660-699

 

 6.75%

6.75%

7.10%

7.20%

7.50%

7.89%

C

 

620-659

 

 7.29%

7.29%

7.40%

7.75%

8.05%

8.84%

D

 

590-619

 

 8.07%

8.07%

8.43%

8.54%

8.85%

9.24%

E

 

550-589

 

 9.31%

9.31%

9.66%

9.78%

10.09%

10.48%

 

USED VEHICLES 2018-AND OLDER

                               

                              12-24 MO           36mo.               48 MO           60MO

               

 

A       700+              7.74%                  8.04%              8.24%            8.44%

 

B        660-           7.99%                        8.29%               8.49%         8.69%

          699

 

C        620-             8.74%                  9.04%                9.24%           9.44%

          659

 

D        590-             9.49%              9.79%                    9.99%             10.19%

          619

 

E        550-           10.24%                     10.54%                10.74%            10.94%

          589

 

 

 

PERSONAL LOAN A.P.R.

 

   

12 mo.

24 mo.

36 mo.

48 mo.

60 mo.

  

A

 

700+

8.75%

9.55%

9.75%

10.00%

10.25%

  

B

 

660-699

10.00%

10.25%

10.50%

10.75%

11.00%

  

C

 

620-659

10.75%

11.00%

11.250%

11.50%

11.75%

  

D

 

590-619

13.50%

13.75%

14.00%

14.25%

N/A

  

E

 

550-589

16.25%

16.50%

17.00%

N/A

N/A

  

 

RECREATION VEHICLES  ( Boats,Jet Skis,Motorcycles,Campers,Snowmobiles)

                12-36 mo       48 mo          60mo            72-84 mo

 

A      700+           5.69%          6.19%          6.69%            7.19%

 

B     660-             5.79%          6.29%          6.79%            7.29%

       699

 

C     620-             5.89%          6.39%          6.89%            7.39%

        659  

 

D     590-           6.89%            7.39%          7.89%            8.39% 

       619

 

E    550-             7.89%           8.39%          8.89%            9.39%

      589

 

 

 Welcome UMICO FCU MEMBERS

 

To access your online account, please visit 

www.specialmetalsfcu.com or down load our app

If you experience any problems logging in please call us for assistance.

315-797-3575

 

 

 Bill Pay is temporarily unavailable.   

We are working hard to get this back up and running.

We apologize for the inconvenience.

 

 

 

 

 

 

 

 

 

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)

www.salliemae.com/smartoption/umicofcu    

 

----------------------------------------------------------------------------- 
 

-------------------------------------------------------------------------------------------------