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Upstate Milk Employees Federal Credit Union

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Upstate Milk Employees Federal Credit Union Rates & Review November 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Upstate Milk Employees 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 and Verified: November 2, 2026

Upstate Milk Employees Federal Credit Union rates are not currently in the MonitorBankRates database, but you can compare rates from other banks and credit unions MonitorBankRates tracks, including 12-month share certificate rates at 3.14%, 6-month share certificate rates at 2.35% and 3-month share certificate rates at 2.67%. Deposit rates include 0.01% on savings, 0.50% on money market accounts and 4.00% on checking. Loan rates include 7.00% on HELOCs, 8.74% on auto loans and 9.24% on personal loans. Credit card rates can be found at 11.49%. These rates come from our rate database, not Upstate Milk Employees Federal Credit Union, and you can see how they compare in the Upstate Milk Employees Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Upstate Milk Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.59%. Database rates last updated and verified on 11/02/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.59%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Upstate Milk Employees Federal Credit Union
Upstate Milk Employess FCU

368 Pleasant View Dr
Lancaster, NY 14086-1316

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Current Rate Availability

We're not currently displaying rates for Upstate Milk Employees Federal Credit Union, but our database is updated constantly, so check back soon for the latest offers.

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Financial Health History

Upstate Milk Employees Federal Credit Union’s Texas Ratio fell from 6.06% in Q3 2023 to 2.59% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2M	2.59%	5.0	A+
March 31, 2026	$3M	12.40%	5.0	A
December 31, 2025	$2M	12.06%	5.0	A
September 30, 2025	$3M	12.24%	5.0	A
June 30, 2025	$3M	15.43%	5.0	A-
March 31, 2025	$3M	15.34%	5.0	A-
December 31, 2024	$2M	13.58%	5.0	A
September 30, 2024	$3M	2.44%	5.0	A+
June 30, 2024	$3M	2.51%	5.0	A+
March 31, 2024	$2M	18.21%	4.7	B+
December 31, 2023	$2M	21.62%	4.5	B
September 30, 2023	$3M	6.06%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Upstate Milk Employees 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 Upstate Milk Employees 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 Upstate Milk Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Upstate Milk Employees Federal Credit Union

Website N/A

Address 368 Pleasant View Dr, Lancaster, NY 14086-1316

Phone 716-332-5337

Fax

President Eric Place

CEO Gail Fronczak

Full-Time Employees 1

Part-Time Employees 1

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+ (99/100)

Texas Ratio

2.59%

Return on Assets (ROA)

-0.5735%

Return on Equity (ROE)

-5.9609%

Non-Performing Loans Ratio (NPL)

0.74%

Total Assets

2,476,698

Total Amount of Shares and Deposits

2,235,892

Total Shares and Deposits < 1 Year

2,235,892

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

79,616

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

79,616

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

2,156,276

Total Interest Expense (Sum of items 6 8)

4,920

Number of Accounts for Regular Shares

540

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

374,806

Total Liabilities

2,238,413

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Upstate Milk Employees Federal Credit Union earned the Verified Healthy 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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</a>

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

Customer Reviews

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Frequently Asked Questions About Upstate Milk Employees Federal Credit Union

How many branches does Upstate Milk Employees Federal Credit Union operate?

Upstate Milk Employees 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 Upstate Milk Employees Federal Credit Union?

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

Does Upstate Milk Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Upstate Milk Employees Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Upstate Milk Employees Federal Credit Union rates compare?

Upstate Milk Employees Federal Credit Union rates aren't in the MonitorBankRates database yet. Other banks and credit unions MonitorBankRates tracks offer 12-month certificates at 3.14% APY, 6-month certificates at 2.35% APY, savings at 0.01% APY, money market at 0.50% APY, checking at 4.00% APY, HELOCs around 7.00%, auto loans at 8.74% APR, personal loans at 9.24% APR and credit cards at 11.49% APR.