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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.

RATE CHART

As of December 18, 2018

 

 

NEW VEHICLE A.P.R. 2017- 2019

 

   

 

12-24mo.    

 

36mo

48 mo.

60 mo.

72mo. 

84 mo.

A

 

700+

 

 3.14%

3.24%

3.34%

3.44%

3.74%

 

4.24%

B

 

660-699

 

 3.35%

3.45%

3.55%

3.65%

3.95%

4.45%

C

 

620-659

 

 3.86%

3.96%

4.06%

4.17%

4.47%

4.97%

D

 

590-619

 

 4.64%

4.74%

4.85%

4.96%

5.27%

5.77%

E

 

550-589

 

 5.88%

5.98%

6.08%

6.20%

6.51%

7.01%

 

 

USED VEHICLE   A.P.R.                                                     
USED VEHICLES 2014-2016

 

   

 

 12-24mo.

36mo.

48 mo.

60 mo.

72mo.

84mo.

A

 

700+

 

 3.39%

3.39%

3.74%

3.84%

4.14%

4.54%

B

 

660-699

 

 3.60%

3.60%

3.95%

4.05%

4.35%

4.74%

C

 

620-659

 

 4.14%

4.14%

4.25%

4.60%

4.90%

5.29%

D

 

590-619

 

 4.92%

4.92%

5.28%

5.39%

5.70%

6.09%

E

 

550-589

 

 6.16%

6.16%

6.51%

6.63%

6.94%

7.33%

 

USED VEHICLES 2013-AND OLDER

                               

                              12-24 MO           36mo.               48 MO           60MO

               

 

A       700+              5.84%                  6.14%              6.34%            6.54%

 

B        660-           6.09%                        6.39%               6.59%         6.79%

          699

 

C        620-             6.84%                  7.14%                7.34%           7.54%

          659

 

D        590-             7.59%              7.89%                    8.09%             8.29%

          619

 

E        550-           8.34%                     8.64%                8.84%            9.04%

          589

 

 

 

PERSONAL LOAN A.P.R.

 

   

12 mo.

24 mo.

36 mo.

48 mo.

60 mo.

  

A

 

700+

8.00%

8.25%

8.50%

8.75%

9.00%

  

B

 

660-699

8.75%

9.00%

9.25%

9.50%

9.75%

  

C

 

620-659

9.50%

9.75%

10.00%

10.25%

10.50%

  

D

 

590-619

12.25%

12.50%

12.75%

13.00%

N/A

  

E

 

550-589

15.00%

15.50%

16.00%

N/A

N/A

  

 

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

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

 

A      700+           3.69%          4.19%          4.69%            5.19%

 

B     660-             3.79%          4.29%          4.79%            5.29%

       699

 

C     620-             3.89%          4.39%          4.89%            5.39%

        659  

 

D     590-           4.89%            5.39%          5.89%            6.39% 

       619

 

E    550-             5.89%           6.39%          6.89%            7.39%

      589

Welcome UMICO FCU MEMBERS

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

 

                                                                                                                      

 

 

   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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