Umico Federal Credit Union

Headquarters

180 Genesee St
New Hartford, NY 13413
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Umico is an NCUA insured institution located in New Hartford, NY. It was founded in 1939 and has approximately $9.24 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 3313
Date Established 1939
Assets $9.24 million
Loans $4.17 million
Deposits $8.43 million
Capital $0.81 million
 

Deposit Rates - November 29, 2021

Your Current Location: Washington, WA 98109

We do not yet have rates for Umico

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Loan Rates - November 29, 2021

Your Current Location: Washington, WA 98109

There are currently no loan rates available for UMICO

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Washington 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
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CashCall Mortgage
NMLS ID: 128231
3.059% 3.000% 0.75 $1,875 $1,055 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2021

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Flagstar Bank-Heloc
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4.990 %
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
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Intro APR
1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Note to UMICO
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Umico branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington



Climate Initiatives

UMICO is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Umico Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Umico. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Umico U.S. Average
9.91% 3.79

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2021, Umico had $82,252 in non-current loans and $0 in owned assets. To cover these potential losses it had $813,839 in net worth and $16,388 in loans loss reserves. That gives it a Texas Ratio of 9.91%.

Net Worth
Umico U.S. Average
8.8% 12.22%

Umico FCU has a net worth of 8.8% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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