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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 October 28, 2021

 

 

NEW VEHICLE A.P.R. 2020- 2022

 

   

 

12-24mo.    

 

36mo

48 mo.

60 mo.

72mo. 

84 mo.

A

 

700+

 

 1.79%

1.89%

1.99%

2.09%

2.39%

 

2.89%

B

 

660-699

 

 2.00%

2.10%

2.20%

2.30%

2.60%

3.10%

C

 

620-659

 

 2.51%

2.61%

2.71%

2.82%

3.12%

3.62%

D

 

590-619

 

 3.29%

3.39%

3.50%

3.61%

3.92%

4.42%

E

 

550-589

 

 4.53%

4.63%

4.73%

4.85%

5.16%

5.66%

 

 

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

 

   

 

 12-24mo.

36mo.

48 mo.

60 mo.

72mo.

84mo.

A

 

700+

 

 2.29%

2.29%

2.64%

2.74%

3.04%

3.44%

B

 

660-699

 

 2.50%

2.50%

2.85%

2.95%

3.25%

3.64%

C

 

620-659

 

 3.04%

3.04%

3.15%

3.50%

3.80%

4.19%

D

 

590-619

 

 3.82%

3.82%

4.18%

4.29%

4.60%

4.99%

E

 

550-589

 

 5.06%

5.06%

5.41%

5.53%

5.84%

6.23%

 

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

 

 

 

 

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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$500 Maximum
 

($4 Fee Per Card Purchase)

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