What are the current interest rates at UMe Federal Credit Union?

Current rates for UMe Federal Credit Union include: 12-Month CD: 2.95%, 24-Month CD: 3.25%, 60-Month CD: 3.40%, Savings: 0.05%

MonitorBankRates

☰

Home›
Credit Unions›
UMe Federal Credit Union

iAdvertiser Disclosure

UMe Federal Credit Union Rates & Review June 2026

Q: How many branches does UMe Federal Credit Union operate?

UMe Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join UMe Federal Credit Union?

Yes, to access services at UMe Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, UMe Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 16, 2026

UMe Federal Credit Union's Student CDs 12 to 23 month rates are at 3.55%, Student Saver CD / Unlimited Deposits (for members age 18 and under) 12 month rates are at 3.55%, Student CDs 60 month rates are at 3.50%, 60 month rates are at 3.45%, IRA CDs (CD) with 60 month term rates are at 3.45%. UMe Federal Credit Union's savings rates are at 0.05%. UMe Federal Credit Union's Personal Loan Rates are at 11.90%. MonitorBankRates evaluates the financial stability of UMe Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.82%. Rates were last updated on 06/16/2026.

UMe Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at UMe Federal Credit Union? Share your experience about UMe Federal Credit Union by leaving a review below, or read customer reviews before you decide to use UMe Federal Credit Union.

Exceptional Health Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.82%

Excellent Lower than avg

UMe Federal Credit Union
Main Office

3000 W Magnolia Blvd
Burbank, CA 91505 3043

https://www.umecreditunion.com

UMe Federal Credit Union CD Rates

Product	Rate	APY	Term
Student Certificates 12 to 23 month	3.49%	3.55%
Min Balance $250 Details Certificate Accounts are subject to penalties for early withdrawal. IRA Certificates may be subject to additional Internal Revenue Service penalties for early withdrawal. Certificate rates are fixed for the term purchased. All other rates and yields subject to change without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Student Saver Certificate / Unlimited Deposits (for members age 18 and under) 12 month	3.49%	3.55%	12 months
Min Balance $250 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Student Certificates 60 month	3.45%	3.50%
Min Balance $250 Details Certificate Accounts are subject to penalties for early withdrawal. IRA Certificates may be subject to additional Internal Revenue Service penalties for early withdrawal. Certificate rates are fixed for the term purchased. All other rates and yields subject to change without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
60 month	3.40%	3.45%
Min Balance $2,000 Details Additional 0.10% for Jumbo Certificates $50,000 and more. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
IRA Certificates (CD) with 60 month term	3.40%	3.45%	60 month
Min Balance $2,000 Details Certificate rates are fixed for the term purchased. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Student Certificates 24 to 35 month	3.40%	3.45%
Min Balance $250 Details Certificate Accounts are subject to penalties for early withdrawal. IRA Certificates may be subject to additional Internal Revenue Service penalties for early withdrawal. Certificate rates are fixed for the term purchased. All other rates and yields subject to change without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Student Certificates 48 to 59 month	3.40%	3.45%
Min Balance $250 Details Certificate Accounts are subject to penalties for early withdrawal. IRA Certificates may be subject to additional Internal Revenue Service penalties for early withdrawal. Certificate rates are fixed for the term purchased. All other rates and yields subject to change without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
48 to 59 month	3.35%	3.40%
Min Balance $2,000 Details Additional 0.10% for Jumbo Certificates $50,000 and more. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
IRA Certificates (CD) with 48 to 59 month term	3.35%	3.40%	48 to 59 month
Min Balance $2,000 Details Certificate rates are fixed for the term purchased. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Student Certificates 36 to 47 month	3.35%	3.40%
Min Balance $250 Details Certificate Accounts are subject to penalties for early withdrawal. IRA Certificates may be subject to additional Internal Revenue Service penalties for early withdrawal. Certificate rates are fixed for the term purchased. All other rates and yields subject to change without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
36 to 47 month	3.30%	3.35%
Min Balance $2,000 Details Additional 0.10% for Jumbo Certificates $50,000 and more. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
IRA Certificates (CD) with 36 to 47 month term	3.30%	3.35%	36 to 47 month
Min Balance $2,000 Details Certificate rates are fixed for the term purchased. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
24 to 35 month	3.25%	3.30%
Min Balance $2,000 Details Additional 0.10% for Jumbo Certificates $50,000 and more. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
IRA Certificates (CD) with 24 to 35 month term	3.25%	3.30%	24 to 35 month
Min Balance $2,000 Details Certificate rates are fixed for the term purchased. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
12 to 23 month	3.20%	3.25%
Min Balance $2,000 Details Additional 0.10% for Jumbo Certificates $50,000 and more. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
IRA Certificates (CD) with 12 to 23 month term	3.20%	3.25%	12 to 23 month
Min Balance $2,000 Details Certificate rates are fixed for the term purchased. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Student Certificates 6 to 11 month	3.01%	3.05%
Min Balance $250 Details Certificate Accounts are subject to penalties for early withdrawal. IRA Certificates may be subject to additional Internal Revenue Service penalties for early withdrawal. Certificate rates are fixed for the term purchased. All other rates and yields subject to change without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
6 to 11 month	2.91%	2.95%
Min Balance $2,000 Details Additional 0.10% for Jumbo Certificates $50,000 and more. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

UMe Federal Credit Union Savings Rates

Product	Rate	APY
Money Market Savings 4	1.59%	1.60%
Min Balance $100,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Money Market Savings 3	1.09%	1.10%
Min Balance $50,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Money Market Savings 2	0.90%	0.90%
Min Balance $10,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Summer Savings Account	0.50%	0.50%
Min Balance $100 Details Maximum monthly deposits $1,000; maximum annual deposit: $10,000. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Money Market Savings 1	0.30%	0.30%
Min Balance $1,500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
IRA Savings Account	0.25%	0.25%
Min Balance $25 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Holiday Savings Account	0.05%	0.05%
Min Balance $100 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Regular Savings	0.05%	0.05%
Min Balance $100 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Youth Savings and Coogan Account	0.05%	0.05%
Min Balance $25 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

UMe Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings 4	1.59%	1.60%
Min Balance $100,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Money Market Savings 3	1.09%	1.10%
Min Balance $50,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Money Market Savings 2	0.90%	0.90%
Min Balance $10,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Money Market Savings 1	0.30%	0.30%
Min Balance $1,500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

UMe Federal Credit Union Checking Rates

Product	Rate	APY
Business Checking	0.05%	0.05%
Min Balance $5,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Personal Checking	0.05%	0.05%
Min Balance $2,500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

UMe Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
5/1 ARM	-	-	5.49%
Details Rates updated 6/8/2026. Rates subject to change daily. Rates and payments listed above are based on a rate and term refinance on an Single Family Residence, with a $500,000 loan amount, a 720 FICO score, a 60% LTV ratio, and <40% DTI ratio. Files are underwritten on a case by case basis. All applications are subject to credit, income, asset, and property approval. Payments listed are for principal and interest only. Tax and insurance impounds are available and are required on some scenarios. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year. Property insurance is required on all financed properties. Maximum loan limits apply. Additional programs and rates available, call for info. Payments listed are for principal and interest only. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed-rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
40 year 10/1 ARM	-	-	5.98%
Details Rates updated 6/8/2026. Rates subject to change daily. Rates and payments listed above are based on a rate and term refinance on an Single Family Residence, with a $500,000 loan amount, a 720 FICO score, a 60% LTV ratio, and <40% DTI ratio. Files are underwritten on a case by case basis. All applications are subject to credit, income, asset, and property approval. Payments listed are for principal and interest only. Tax and insurance impounds are available and are required on some scenarios. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year. Property insurance is required on all financed properties. Maximum loan limits apply. Additional programs and rates available, call for info. Payments listed are for principal and interest only. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed-rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Conventional 15 year fixed	-	-	6.20%
Details Rates updated 6/8/2026. Rates subject to change daily. Rates and payments listed above are based on a rate and term refinance on an Single Family Residence, with a $500,000 loan amount, a 720 FICO score, a 60% LTV ratio, and <40% DTI ratio. Files are underwritten on a case by case basis. All applications are subject to credit, income, asset, and property approval. Payments listed are for principal and interest only. Tax and insurance impounds are available and are required on some scenarios. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year. Property insurance is required on all financed properties. Maximum loan limits apply. Additional programs and rates available, call for info. Payments listed are for principal and interest only. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed-rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Conventional 30 year fixed	-	-	6.62%
Details Rates updated 6/8/2026. Rates subject to change daily. Rates and payments listed above are based on a rate and term refinance on an Single Family Residence, with a $500,000 loan amount, a 720 FICO score, a 60% LTV ratio, and <40% DTI ratio. Files are underwritten on a case by case basis. All applications are subject to credit, income, asset, and property approval. Payments listed are for principal and interest only. Tax and insurance impounds are available and are required on some scenarios. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year. Property insurance is required on all financed properties. Maximum loan limits apply. Additional programs and rates available, call for info. Payments listed are for principal and interest only. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed-rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

UMe Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity 10-Year Draw	-	-	5.99%	12-MONTH HELOC INTRO RATE!
Details After the initial fixed 12-month introductory period, your HELOC APR (Annual Percentage Rate) will revert to a variable rate that is based on the Prime Rate. Loan approval and rate are based on a verification of income, an evaluation of your creditworthiness, and property evaluations which include Loan-to-Value (LTV). Your rate will never exceed 18.00% or be less than 4.00% - unless there is an initial discount rate that is offered below 4.00%. If you cancel your loan, third-party fees may apply. Costs include a $500 title insurance fee and a non-refundable appraisal fee, paid directly to the designated appraisal company. Property insurance is required. Loan amounts up to $400,000. For additional details, please call the Credit Union at (818) 238-2900. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Home Equity HELOC	-	-	5.99%
Details Introductory Rate for 12 Months Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Home Equity Loans	-	-	5.99%
Details As Low As Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Home Equity 10-Year Draw	-	-	6.50%	60% Loan to Value (LTV)
Details The Home Equity Line of Credit APR is a variable rate that is based on the Prime Rate. Loan approval and rate are based on a verification of income. an evaluation of vour creditworthiness, and propertv evaluations which include Loan-to-Value (LTV). Your rate will never exceed 18.00% or be less than 4.00% - unless there is an initial discount rate that is offered below 4.00%. If you cancel your loan, third-party fees may apply. Costs include $500 title insurance fee and a non-refundable appraisal fee, paid directly to the designated appraisal company. Property insurance is required. Loans amounts up to $400,000. For additional details, please call the Credit Union at (818) 238-2900. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Home Equity 10-Year Draw	-	-	7.00%	80% Loan to Value (LTV)
Details The Home Equity Line of Credit APR is a variable rate that is based on the Prime Rate. Loan approval and rate are based on a verification of income. an evaluation of vour creditworthiness, and propertv evaluations which include Loan-to-Value (LTV). Your rate will never exceed 18.00% or be less than 4.00% - unless there is an initial discount rate that is offered below 4.00%. If you cancel your loan, third-party fees may apply. Costs include $500 title insurance fee and a non-refundable appraisal fee, paid directly to the designated appraisal company. Property insurance is required. Loans amounts up to $400,000. For additional details, please call the Credit Union at (818) 238-2900. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

UMe Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New Auto Loan	-	-	4.25%
Details As Low As; 0.25% rate discount and no payments for 90 days! Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

UMe Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Card	-	12.90%
Details As Low As Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Visa Platinum Credit Card	-	12.90%
Details As Low As; APR is based on an evaluation of your creditworthiness. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

UMe Federal Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loan	-	11.90%
Details As Low As; APR is Annual Percentage Rate. APR is based on an evaluation of your credit worthiness. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for UMe Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather UMe Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with UMe Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name UMe Federal Credit Union

Website https://www.umecreditunion.com

Address 3000 W Magnolia Blvd, Burbank, CA 91505 3043

Phone 818-238-2900

Fax 818-238-2932

President David Carletta

CEO Robert Einstein

Full-Time Employees 37

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.82%

Return on Assets (ROA)

0.3831%

Return on Equity (ROE)

4.4746%

Non-Performing Loans Ratio (NPL)

0.15%

Total Assets

340,177,295

Total Amount of Shares and Deposits

311,404,882

Total Shares and Deposits < 1 Year

303,375,227

Total Shares and Deposits 1 3 Years

5,360,450

Total Shares and Deposits > 3 Years

2,669,205

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

57,387,389

Total Uninsured Shares and Deposits > $250K (F+J)

57,387,389

Total Insured Shares and Deposits > $250K (item 17 less item K)

254,017,493

Total Interest Expense (Sum of items 6 8)

3,545,740

Share Certificates

1,361

Number of Accounts for Share Drafts

11,131

IRA KEOGH Accounts

626

Number of Accounts for Regular Shares

18,662

Money Market Shares

1,321

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

22,964,831

Total Liabilities

318,248,816

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

UMe Federal Credit Union earned the Exceptional Health badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/ume-federal-credit-union-rates-review-3945">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-a-2026.svg"
       alt="MonitorBankRates Exceptional Health Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for UMe Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for UMe Federal Credit Union

Frequently Asked Questions About UMe Federal Credit Union

How many branches does UMe Federal Credit Union operate?

UMe Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join UMe Federal Credit Union?

Yes, to access services at UMe Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, UMe Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, UMe Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does UMe Federal Credit Union offer online and mobile banking?

Most modern institutions like UMe Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.umecreditunion.com.

Current UMe Federal Credit Union Rates

12-Month CD2.95%
24-Month CD3.25%
60-Month CD3.40%
Savings0.05%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

UMe Federal Credit Union Rates & Review June 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

UMe Federal Credit Union Texas Ratio

UMe Federal Credit Union CD Rates

UMe Federal Credit Union Savings Rates

UMe Federal Credit Union Money Market Rates

UMe Federal Credit Union Checking Rates

UMe Federal Credit Union Mortgage Rates

UMe Federal Credit Union Home Equity & HELOC

UMe Federal Credit Union Auto Loan Rates

UMe Federal Credit Union Credit Card Rates

UMe Federal Credit Union Personal Loan Rates

Methodology & Data Sources

Credit Union Profile & Overview

Financials

UMe Federal Credit Union earned the Exceptional Health badge

Customer Reviews

Frequently Asked Questions About UMe Federal Credit Union

How many branches does UMe Federal Credit Union operate?

Is a member application needed to join UMe Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does UMe Federal Credit Union offer online and mobile banking?

Current UMe Federal Credit Union Rates

Compare to Other Credit Unions