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UMe Federal Credit Union

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UMe Federal Credit Union Rates & Review September 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: September 23, 2026

UMe Federal Credit Union's Mortgage Loans - 5/1 ARM rates are at 5.50%, 40 year 10/1 ARM rates are at 6.12%, Conventional 15 year fixed rates are at 6.50%, Conventional 30 year fixed rates are at 7.12%. UMe Federal Credit Union's Personal Loan Rates are as low as 11.90%. UMe Federal Credit Union's Credit Card Rates are at 12.90%. 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 0.92%. Rates last updated and verified on 09/23/2026.

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 2026 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

0.92%

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

UMe Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
Mortgage Loans - 5/1 ARM	5.50%	-	5.62%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
40 year 10/1 ARM	6.13%	-	6.23%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Conventional 15 year fixed	6.50%	-	6.70%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Conventional 30 year fixed	7.13%	-	7.25%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%

UMe Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Lines of Credit - 10-Year Draw	-	-	5.99%	12
Details Term: 12-MONTH HELOC INTRO RATE!; Intro rate expires: 12 months; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Home Equity Lines of Credit - 10-Year Draw	-	-	6.50%	60
Details Term: 60% Loan to Value (LTV); 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Home Equity Lines of Credit - 10-Year Draw	-	-	7.00%	80
Details Term: 80% Loan to Value (LTV); 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%

UMe Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loans - Cars, Trucks, and SUVs	-	-	4.25%	24 months
Details As Low As; Financing up to 100% \| Terms up to 84 months Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
New Vehicle Loans - Cars, Trucks, and SUVs	-	-	4.50%	36 months
Details As Low As; Financing up to 100% \| Terms up to 84 months Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
New Vehicle Loans - Cars, Trucks, and SUVs	-	-	4.50%	48 months
Details As Low As; Financing up to 100% \| Terms up to 84 months Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
New Vehicle Loans - Cars, Trucks, and SUVs	-	-	4.75%	60 months
Details As Low As; Financing up to 100% \| Terms up to 84 months Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Used Vehicle Loans - Cars, Trucks, and SUVs	-	-	4.75%	24 months
Details As Low As; Used Cars, Trucks, & SUVs \| 2016-2025 \| mileage up to 150k \| Financing up to 100% \| Terms up to 84 months Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
New Vehicle Loans - Cars, Trucks, and SUVs	-	-	5.00%	72 months
Details As Low As; Financing up to 100% \| Terms up to 84 months Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Used Vehicle Loans - Cars, Trucks, and SUVs	-	-	5.00%	36 months
Details As Low As; Used Cars, Trucks, & SUVs \| 2016-2025 \| mileage up to 150k \| Financing up to 100% \| Terms up to 84 months Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Used Vehicle Loans - Cars, Trucks, and SUVs	-	-	5.00%	48 months
Details As Low As; Used Cars, Trucks, & SUVs \| 2016-2025 \| mileage up to 150k \| Financing up to 100% \| Terms up to 84 months Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Used Vehicle Loans - Cars, Trucks, and SUVs	-	-	5.25%	60 months
Details As Low As; Used Cars, Trucks, & SUVs \| 2016-2025 \| mileage up to 150k \| Financing up to 100% \| Terms up to 84 months Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Used Vehicle Loans - Cars, Trucks, and SUVs	-	-	5.50%	72 months
Details As Low As; Used Cars, Trucks, & SUVs \| 2016-2025 \| mileage up to 150k \| Financing up to 100% \| Terms up to 84 months Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
New Vehicle Loans - Cars, Trucks, and SUVs	-	-	5.75%	84 months
Details As Low As; Financing up to 100% \| Terms up to 84 months Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Used Vehicle Loans - Cars, Trucks, and SUVs	-	-	6.00%	84 months
Details As Low As; Used Cars, Trucks, & SUVs \| 2016-2025 \| mileage up to 150k \| Financing up to 100% \| Terms up to 84 months Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%

UMe Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat and RV Loans - 24 months	-	6.50%	24 months
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Boat and RV Loans - 36 months	-	6.75%	36 months
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Boat and RV Loans - 48 months	-	7.00%	48 months
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Boat and RV Loans - 60 months	-	7.25%	60 months
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Boat and RV Loans - 72 months	-	7.50%	72 months
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Boat and RV Loans - 84 months	-	7.75%	84 months
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Boat and RV Loans - 120 months	-	8.25%	120 months
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Boat and RV Loans - 144 months	-	8.75%	144 months
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%

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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%

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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%

UMe Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Bank income verification Loan	6.00%	-	6.12%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
No seasoning on bankruptcies, foreclosures, or short sales Loan	6.00%	-	6.12%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%

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 0.17% in Q2 2023 to 0.92% in Q1 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
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+
June 30, 2023	$355M	0.17%	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 38

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

0.92%

Return on Assets (ROA)

0.2553%

Return on Equity (ROE)

2.7463%

Non-Performing Loans Ratio (NPL)

0.18%

Total Assets

334,142,032

Total Amount of Shares and Deposits

303,869,959

Total Shares and Deposits < 1 Year

293,329,960

Total Shares and Deposits 1 3 Years

7,551,611

Total Shares and Deposits > 3 Years

2,988,388

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

51,763,310

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

51,763,310

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

252,106,649

Total Interest Expense (Sum of items 6 8)

910,787

Share Certificates

1,219

Number of Accounts for Share Drafts

11,048

IRA KEOGH Accounts

629

Number of Accounts for Regular Shares

18,540

Money Market Shares

1,320

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)

13,084,943

Total Liabilities

310,393,948

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

UMe 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 — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer 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.