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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 November 17, 2022

 

 

NEW VEHICLE A.P.R. 2020- 2022

 

   

 

12-24mo.    

 

36mo

48 mo.

60 mo.

72mo. 

84 mo.

A

 

700+

 

 2.79%

2.89%

2.99%

3.09%

3.39%

 

3.89%

B

 

660-699

 

 3.00%

3.10%

3.20%

3.30%

3.60%

4.10%

C

 

620-659

 

 3.51%

3.61%

3.71%

3.82%

4.12%

4.62%

D

 

590-619

 

 4.29%

4.39%

4.50%

4.61%

4.92%

5.42%

E

 

550-589

 

 5.53%

5.63%

5.73%

5.85%

6.16%

6.66%

 

 

USED VEHICLE   A.P.R.                                                     
USED VEHICLES 2017-2019

 

   

 

 12-24mo.

36mo.

48 mo.

60 mo.

72mo.

84mo.

A

 

700+

 

 3.29%

3.29%

3.64%

3.74%

4.04%

4.44%

B

 

660-699

 

 3.50%

3.50%

3.85%

3.95%

4.25%

4.64%

C

 

620-659

 

 4.04%

4.04%

4.15%

4.50%

4.80%

5.19%

D

 

590-619

 

 4.82%

4.82%

5.18%

5.29%

5.60%

5.99%

E

 

550-589

 

 6.06%

6.06%

6.41%

6.53%

6.84%

7.23%

 

USED VEHICLES 2016-AND OLDER

                               

                              12-24 MO           36mo.               48 MO           60MO

               

 

A       700+              5.24%                  5.54%              5.74%            5.94%

 

B        660-           5.49%                        5.79%               5.99%         6.19%

          699

 

C        620-             6.24%                  6.54%                6.74%           6.94%

          659

 

D        590-             6.99%              7.29%                    7.49%             7.69%

          619

 

E        550-           7.74%                     8.04%                8.24%            8.44%

          589

 

 

 

PERSONAL LOAN A.P.R.

 

   

12 mo.

24 mo.

36 mo.

48 mo.

60 mo.

 

A

 

700+

7.00%

7.25%

7.50%

7.75%

8.00%

 

B

 

660-699

7.75%

8.00%

8.25%

8.50%

8.75%

 

C

 

620-659

8.50%

8.75%

9.00%

9.25%

9.50%

 

D

 

590-619

11.25%

11.50%

11.75%

12.00%

N/A

 

E

 

550-589

14.00%

14.50%

15.00%

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

 HOLIDAY LOAN SPECIAL

valid 10/1/22 - 12/31/22

Borrow up to $ 2500.00

12 months

5.99%

 

      Apply today for a low interest rate Home Equity Loan         

           4.49% 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)

www.salliemae.com/smartoption/umicofcu    

 

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