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

Current rates for UMe Federal Credit Union include: 12-Month CD: 3.05%, 24-Month CD: 3.40%, 60-Month CD: 3.40%, Savings: 1.70%

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UMe Federal Credit Union

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UMe Federal Credit Union Rates & Review October 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 and Verified: October 12, 2026

UMe Federal Credit Union's top rates as of October 12, 2026 are 3.55% APY on its 12 - 23 Month Student CDs CD, 1.70% APY on savings, 0.05% APY on checking, 5.88% on its 5/1 ARM mortgage, personal loans from 11.90% APR, and credit cards from 12.90% APR, according to rates verified by MonitorBankRates. Other UMe Federal Credit Union CD rates include 12 Month Student Saver CD at 3.55%, 60 Month Jumbo CD at 3.55%, and 12 - 23 Month Jumbo CD at 3.50%. Other UMe Federal Credit Union mortgage rates include 40 year 10/1 ARM at 6.88%, Conventional 15 year fixed at 6.88%, and Conventional 30 year fixed at 7.50%. 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 2.74%. Rates last updated and verified on 10/12/2026.

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.

Verified Healthy Q2 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

2.74%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

UMe Federal Credit Union
Main Office

3000 W Magnolia Blvd
Burbank, CA 91505-3043

https://www.umecreditunion.com

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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.

UMe Federal Credit Union CD Rates

Product	Rate	APY	Term
12 - 23 Month Student Certificates	3.49%	3.55%	12 to 23 months
Min Balance $250 Details Minimum average daily balance required to earn dividends. Membership Shares, IRA Savings, IRA Certificates and Special Savings dividends are based on the average daily balance and are posted quarterly. Checking, Money Market and non-IRA Certificate Accounts are based on the average daily balance and are posted monthly. Certificate Accounts are subject to penalties for early withdrawal. Please contact one of our Financial Services Representatives for further information about applicable fees. 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. APY is Annual Percentage Yield. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
12 Month Student Saver Certificate	3.49%	3.55%	12 months
Min Balance $250 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
60 Month Jumbo Certificate	3.49%	3.55%	60 months
Min Balance $50,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
12 - 23 Month Jumbo Certificate	3.45%	3.50%	12 to 23 months
Min Balance $50,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
48 - 59 Month Jumbo Certificate	3.45%	3.50%	48 to 59 months
Min Balance $50,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
60 Month Student Certificates	3.45%	3.50%	60 months
Min Balance $250 Details Minimum average daily balance required to earn dividends. Membership Shares, IRA Savings, IRA Certificates and Special Savings dividends are based on the average daily balance and are posted quarterly. Checking, Money Market and non-IRA Certificate Accounts are based on the average daily balance and are posted monthly. Certificate Accounts are subject to penalties for early withdrawal. Please contact one of our Financial Services Representatives for further information about applicable fees. 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. APY is Annual Percentage Yield. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
24 - 35 Month Student Certificates	3.40%	3.45%	24 to 35 months
Min Balance $250 Details Minimum average daily balance required to earn dividends. Membership Shares, IRA Savings, IRA Certificates and Special Savings dividends are based on the average daily balance and are posted quarterly. Checking, Money Market and non-IRA Certificate Accounts are based on the average daily balance and are posted monthly. Certificate Accounts are subject to penalties for early withdrawal. Please contact one of our Financial Services Representatives for further information about applicable fees. 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. APY is Annual Percentage Yield. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
36 - 47 Month Jumbo Certificate	3.40%	3.45%	36 to 47 months
Min Balance $50,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
48 - 59 Month Student Certificates	3.40%	3.45%	48 to 59 months
Min Balance $250 Details Minimum average daily balance required to earn dividends. Membership Shares, IRA Savings, IRA Certificates and Special Savings dividends are based on the average daily balance and are posted quarterly. Checking, Money Market and non-IRA Certificate Accounts are based on the average daily balance and are posted monthly. Certificate Accounts are subject to penalties for early withdrawal. Please contact one of our Financial Services Representatives for further information about applicable fees. 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. APY is Annual Percentage Yield. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
60 Month Certificate	3.40%	3.45%	60 months
Min Balance $2,000 Details Additional 0.10% for Jumbo Certificates $50,000 and more. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
IRA Certificates (CD) with 60 month term	3.40%	3.45%	60 month
Min Balance $2,000 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. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
12 - 23 Month Certificate	3.35%	3.40%	12 to 23 months
Min Balance $2,000 Details Additional 0.10% for Jumbo Certificates $50,000 and more. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.50% → 3.40% ▼ 0.10 pts · high 3.50% / low 3.40% Oct 4, 20263.40%▼ from 3.50% Sep 25, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
24 - 35 Month Jumbo Certificate	3.35%	3.40%	24 to 35 months
Min Balance $50,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
36 - 47 Month Student Certificates	3.35%	3.40%	36 to 47 months
Min Balance $250 Details Minimum average daily balance required to earn dividends. Membership Shares, IRA Savings, IRA Certificates and Special Savings dividends are based on the average daily balance and are posted quarterly. Checking, Money Market and non-IRA Certificate Accounts are based on the average daily balance and are posted monthly. Certificate Accounts are subject to penalties for early withdrawal. Please contact one of our Financial Services Representatives for further information about applicable fees. 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. APY is Annual Percentage Yield. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
48 - 59 Month Certificate	3.35%	3.40%	48 to 59 months
Min Balance $2,000 Details Additional 0.10% for Jumbo Certificates $50,000 and more. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
IRA Certificates (CD) with 12 to 23 month term	3.35%	3.40%	12 to 23 month term
Min Balance $2,000 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. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
IRA Certificates (CD) with 48 to 59 month term	3.35%	3.40%	48 to 59 month term
Min Balance $2,000 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. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
36 - 47 Month Certificate	3.30%	3.35%	36 to 47 months
Min Balance $2,000 Details Additional 0.10% for Jumbo Certificates $50,000 and more. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
IRA Certificates (CD) with 36 to 47 month term	3.30%	3.35%	36 to 47 month term
Min Balance $2,000 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. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
24 - 35 Month Certificate	3.25%	3.30%	24 to 35 months
Min Balance $2,000 Details Additional 0.10% for Jumbo Certificates $50,000 and more. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
6 - 11 Month Jumbo Certificate	3.25%	3.30%	6 to 11 months
Min Balance $50,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
IRA Certificates (CD) with 24 to 35 month term	3.25%	3.30%	24 to 35 month term
Min Balance $2,000 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. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
6 - 11 Month Certificate	3.15%	3.20%	6 to 11 months
Min Balance $2,000 Details Additional 0.10% for Jumbo Certificates $50,000 and more. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
6 - 11 Month Student Certificates	3.01%	3.05%	6 to 11 months
Min Balance $250 Details Minimum average daily balance required to earn dividends. Membership Shares, IRA Savings, IRA Certificates and Special Savings dividends are based on the average daily balance and are posted quarterly. Checking, Money Market and non-IRA Certificate Accounts are based on the average daily balance and are posted monthly. Certificate Accounts are subject to penalties for early withdrawal. Please contact one of our Financial Services Representatives for further information about applicable fees. 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. APY is Annual Percentage Yield. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

UMe Federal Credit Union Savings Rates

Product	Rate	APY
Money Market Savings 4	1.69%	1.70%
Min Balance $100,000 Details Minimum average daily balance required to earn dividends. Dividends are based on the average daily balance and are posted monthly. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 1.60% → 1.70% ▲ 0.10 pts · high 1.70% / low 1.60% Oct 4, 20261.70%▲ from 1.60% Sep 25, 20261.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Money Market Savings 3	1.19%	1.20%
Min Balance $50,000 Details Minimum average daily balance required to earn dividends. Dividends are based on the average daily balance and are posted monthly. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 1.10% → 1.20% ▲ 0.10 pts · high 1.20% / low 1.10% Oct 4, 20261.20%▲ from 1.10% Sep 25, 20261.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Money Market Savings 2	0.90%	0.90%
Min Balance $10,000 Details Minimum average daily balance required to earn dividends. Dividends are based on the average daily balance and are posted monthly. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Summer Savings Account	0.50%	0.50%
Min Balance $100 Details Maximum monthly deposits $1,000; maximum annual deposit: $10,000. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Money Market Savings 1	0.30%	0.30%
Min Balance $1,500 Details Minimum average daily balance required to earn dividends. Dividends are based on the average daily balance and are posted monthly. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
IRA Savings Account	0.25%	0.25%
Min Balance $25 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Holiday Savings Account	0.05%	0.05%
Min Balance $100 Details Maximum monthly deposits $1,000; maximum annual deposit: $10,000. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Regular Savings	0.05%	0.05%
Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Youth Savings and Coogan Account	0.05%	0.05%
Min Balance $25 Details Minimum average daily balance required to earn dividends. Special Savings dividends are based on the average daily balance and are posted quarterly. Checking and Money Market are based on the average daily balance and are posted monthly. All other rates and yields subject to change without notice. APY is Annual Percentage Yield. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

UMe Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings 4	1.69%	1.70%
Min Balance $100,000 Details Minimum average daily balance required to earn dividends. Dividends are based on the average daily balance and are posted monthly. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 1.60% → 1.70% ▲ 0.10 pts · high 1.70% / low 1.60% Oct 4, 20261.70%▲ from 1.60% Sep 25, 20261.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Money Market Savings 3	1.19%	1.20%
Min Balance $50,000 Details Minimum average daily balance required to earn dividends. Dividends are based on the average daily balance and are posted monthly. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 1.10% → 1.20% ▲ 0.10 pts · high 1.20% / low 1.10% Oct 4, 20261.20%▲ from 1.10% Sep 25, 20261.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Money Market Savings 2	0.90%	0.90%
Min Balance $10,000 Details Minimum average daily balance required to earn dividends. Dividends are based on the average daily balance and are posted monthly. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Money Market Savings 1	0.30%	0.30%
Min Balance $1,500 Details Minimum average daily balance required to earn dividends. Dividends are based on the average daily balance and are posted monthly. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

UMe Federal Credit Union Checking Rates

Product	Rate	APY	View More
Personal Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 and over Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

UMe Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	0.05%	0.05%
Min Balance $5,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

UMe Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage Loans - 5/1 ARM	5.875%	-	5.994%	5/1 ARM
Details Rates updated 10/05/2026. 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 10/12/2026 Rate History No change since Oct 8, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
40 year 10/1 ARM	6.875%	-	6.984%	40 year
Details Rates updated 10/05/2026. 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 10/12/2026 Rate History No change since Oct 8, 2026 · 6.98% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Conventional 15 year fixed	6.875%	-	7.081%	15 year
Details Rates updated 10/05/2026. 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 10/12/2026 Rate History No change since Oct 8, 2026 · 7.08% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Conventional 30 year fixed	7.50%	-	7.631%	30 year
Details Rates updated 10/05/2026. 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 10/12/2026 Rate History No change since Oct 8, 2026 · 7.63% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

UMe Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (12-month intro rate, 10-year draw)	-	-	4.25%
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Equity Line of Credit (60% LTV, 10-year draw)	-	-	4.50%
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Equity Line of Credit (80% LTV, 10-year draw)	-	-	4.50%
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Equity 10-Year Draw	-	-	5.99%	12 years
Details Term: 12-MONTH HELOC INTRO RATE!; Intro rate expires: 12 months; Regular APR: 4.00% - 18.00% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Equity 10-Year Draw	-	-	6.50%	60 months
Details Term: 60% Loan to Value (LTV); Regular APR: 4.00% - 18.00% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Equity 10-Year Draw	-	-	7.00%	80 months
Details Term: 80% Loan to Value (LTV); Regular APR: 4.00% - 18.00% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

UMe Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loans - Cars, Trucks, and SUVs	-	-	4.75%	60 months
Details As Low As; NEW Cars, Trucks, & SUVs \| 2025-current \| mileage up to 5k Financing up to 100% \| Terms up to 84 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Used Vehicle Loans - Cars, Trucks, and SUVs	-	-	4.75%	24 months
Details Used Vehicle Loans - Cars, Trucks, and SUVs \| 2016-2025 \| mileage up to 150k; Financing up to 100% \| Terms up to 84 months; APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
New Vehicle Loans - Cars, Trucks, and SUVs	-	-	5.00%	72 months
Details As Low As; NEW Cars, Trucks, & SUVs \| 2025-current \| mileage up to 5k Financing up to 100% \| Terms up to 84 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Used Vehicle Loans - Cars, Trucks, and SUVs	-	-	5.00%	36 months
Details Used Vehicle Loans - Cars, Trucks, and SUVs \| 2016-2025 \| mileage up to 150k; Financing up to 100% \| Terms up to 84 months; APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Used Vehicle Loans - Cars, Trucks, and SUVs	-	-	5.00%	48 months
Details Used Vehicle Loans - Cars, Trucks, and SUVs \| 2016-2025 \| mileage up to 150k; Financing up to 100% \| Terms up to 84 months; APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Used Vehicle Loans - Cars, Trucks, and SUVs	-	-	5.25%	60 months
Details Used Vehicle Loans - Cars, Trucks, and SUVs \| 2016-2025 \| mileage up to 150k; Financing up to 100% \| Terms up to 84 months; APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Used Vehicle Loans - Cars, Trucks, and SUVs	-	-	5.50%	72 months
Details Used Vehicle Loans - Cars, Trucks, and SUVs \| 2016-2025 \| mileage up to 150k; Financing up to 100% \| Terms up to 84 months; APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
New Vehicle Loans - Cars, Trucks, and SUVs	-	-	5.75%	84 months
Details As Low As; NEW Cars, Trucks, & SUVs \| 2025-current \| mileage up to 5k Financing up to 100% \| Terms up to 84 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Used Vehicle Loans - Cars, Trucks, and SUVs	-	-	6.00%	84 months
Details Used Vehicle Loans - Cars, Trucks, and SUVs \| 2016-2025 \| mileage up to 150k; Financing up to 100% \| Terms up to 84 months; APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

UMe Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat and RV Loans	-	6.50%	24 months
Details As Low As; APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat and RV Loans	-	6.75%	36 months
Details As Low As; APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat and RV Loans	-	7.00%	48 months
Details As Low As; APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat and RV Loans	-	7.25%	60 months
Details As Low As; APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat and RV Loans	-	7.50%	72 months
Details As Low As; APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat and RV Loans	-	7.75%	84 months
Details As Low As; APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat and RV Loans	-	8.25%	120 months
Details As Low As; APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat and RV Loans	-	8.75%	144 months
Details As Low As; APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 8.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

UMe Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum Credit Card	-	12.90%
Details APR is based on an evaluation of your creditworthiness. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 12.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

UMe Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	11.90%	Up to 60 months
Details As Low As; APR is Annual Percentage Rate. APR is based on an evaluation of your credit worthiness. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

UMe Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Bank income verification Loan	6.375%	-	6.498%
Details Rates updated 10/05/2026. 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 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 6.12% → 6.50% ▲ 0.38 pts · high 6.50% / low 6.12% Oct 8, 20266.50%▲ from 6.37% Sep 25, 20266.37%▲ from 6.12% Sep 16, 20266.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
No seasoning on bankruptcies, foreclosures, or short sales Loan	6.375%	-	6.498%
Details Rates updated 10/05/2026. 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 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 6.12% → 6.50% ▲ 0.38 pts · high 6.50% / low 6.12% Oct 8, 20266.50%▲ from 6.37% Sep 25, 20266.37%▲ from 6.12% Sep 16, 20266.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
12 to 23 month Coverdell Certificates	3.49%	-	3.55%	12 to 23 month
Min Balance $2,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
24 to 35 month Coverdell Certificates	3.40%	-	3.45%	24 to 35 month
Min Balance $2,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
36 to 47 month Coverdell Certificates	3.35%	-	3.40%	36 to 47 month
Min Balance $2,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
48 to 59 month Coverdell Certificates	3.40%	-	3.45%	48 to 59 month
Min Balance $2,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
60 month term Coverdell Certificates	3.45%	-	3.50%	60 month
Min Balance $2,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Coverdell Savings	0.05%	-	0.05%
Min Balance $25 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

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.

Financial Health History

UMe Federal Credit Union’s Texas Ratio rose from 0.19% in Q3 2023 to 2.74% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$328M	2.74%	5.0	A+
March 31, 2026	$334M	0.92%	5.0	A+
December 31, 2025	$341M	1.03%	5.0	A+
September 30, 2025	$340M	0.82%	5.0	A+
June 30, 2025	$334M	0.40%	5.0	A+
March 31, 2025	$336M	0.62%	5.0	A+
December 31, 2024	$352M	1.02%	5.0	A+
September 30, 2024	$341M	0.30%	5.0	A+
June 30, 2024	$339M	0.22%	5.0	A+
March 31, 2024	$376M	0.16%	5.0	A+
December 31, 2023	$344M	2.67%	5.0	A+
September 30, 2023	$349M	0.19%	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 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+ (99/100)

Texas Ratio

2.74%

Return on Assets (ROA)

0.6445%

Return on Equity (ROE)

6.5383%

Non-Performing Loans Ratio (NPL)

0.54%

Total Assets

327,857,108

Total Amount of Shares and Deposits

296,657,113

Total Shares and Deposits < 1 Year

286,002,239

Total Shares and Deposits 1 3 Years

7,525,831

Total Shares and Deposits > 3 Years

3,129,044

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

49,114,427

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

49,114,427

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

247,542,686

Total Interest Expense (Sum of items 6 8)

1,764,758

Share Certificates

1,240

Number of Accounts for Share Drafts

10,990

IRA KEOGH Accounts

613

Number of Accounts for Regular Shares

18,448

Money Market Shares

1,319

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)

13,709,929

Total Liabilities

302,998,211

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

UMe Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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

Customer Reviews

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Total Reviews

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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 CD3.05%
24-Month CD3.40%
60-Month CD3.40%
Savings1.70%

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

Compare to Other Credit Unions

UMe Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

UMe Federal Credit Union Texas Ratio

UMe Federal Credit Union Health Trend

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 Business 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 RV, Boat and Powersport Loan Rates

UMe Federal Credit Union Credit Card Rates

UMe Federal Credit Union Personal Loan Rates

UMe Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

UMe Federal Credit Union earned the Verified Healthy 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