MonitorBankRates
☰
  1. Home›
  2. Credit Unions›
  3. UMICO Federal Credit Union
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

UMICO Federal Credit Union Rates & Review April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: April 25, 2026

You can compare UMICO Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.65%, 6-month share certificate rates at 0.25% and 3-month share certificate rates at 1.50%. Savings rates are at 0.10% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 6.17%. All these rates can be compared to UMICO Federal Credit Union rates. MonitorBankRates evaluates the financial stability of UMICO Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.26%. Rates were last updated on 04/25/2026.

UMICO 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 UMICO Federal Credit Union? Share your experience about UMICO Federal Credit Union by leaving a review below, or read customer reviews before you decide to use UMICO Federal Credit Union.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.26%
Excellent Lower than avg
UMICO Federal Credit Union
New Hartford
180 Genesee St
New Hartford, NY 13413 2200
https://www.umicofcu.net
Member NCUA

Current Rate Availability

We do not have UMICO Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for UMICO 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 UMICO 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 UMICO Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name UMICO Federal Credit Union
Website https://www.umicofcu.net
Address 180 Genesee St, New Hartford, NY 13413 2200
Phone 315-734-2139
Fax 315-734-2467
President Nicole Fisher
CEO Michelle Siriano
Full-Time Employees 1
Part-Time Employees 3
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.26%
Return on Assets (ROA)
0.0100%
Return on Equity (ROE)
0.0964%
Non-Performing Loans Ratio (NPL)
0.74%
Total Assets
8,148,633
Total Amount of Shares and Deposits
7,299,536
Total Shares and Deposits < 1 Year
7,299,536
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,299,536
Total Interest Expense (Sum of items 6 8)
14,604
Share Certificates
45
Number of Accounts for Share Drafts
431
Number of Accounts for Regular Shares
965
All other shares
289
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,234,129
Total Liabilities
7,299,657
Source: NCUA — Last Updated 03/31/2024

Customer Reviews

There are no reviews for UMICO Federal Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for UMICO Federal Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About UMICO Federal Credit Union

Is UMICO Federal Credit Union a safe place to deposit money?

Yes, UMICO Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.2557112741992%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does UMICO Federal Credit Union operate?

UMICO 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 UMICO Federal Credit Union?

Yes, to access services at UMICO 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, UMICO 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, UMICO Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does UMICO Federal Credit Union offer online and mobile banking?

Most modern institutions like UMICO 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.umicofcu.net.

Compare to Other Credit Unions

Utica District Telephone Employees Federal Credit Union Auto Owners Associates Credit Union Syracuse Cooperative Federal Credit Union United Equity Credit Union Gallatin Steam Plant Credit Union Meritrust Federal Credit Union OAHE Cooperative Center Federal Credit Union Fort Roots Federal Credit Union Nueva Esperanza Community Credit Union Medical Employees of Staten Island Federal Credit Union AMNH Employees Federal Credit Union Mahoning Valley Federal Credit Union Heritage Financial Credit Union Rome Federal Credit Union Valley Communities Credit Union Graphic Arts Credit Union Consumers Credit Union United Association Credit Union Gowanda Area Federal Credit Union PRR South Fork Federal Credit Union