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. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
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 $9.73 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 3313
Date Established 1939
Assets $9.73 million
Loans $3.95 million
Deposits $8.91 million
Capital $0.81 million

Deposit Rates - August 3, 2021

Your Current Location: Virginia, VA 20146

We do not yet have rates for Umico

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Loan Rates - August 3, 2021

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.465% 3.375% 0.63 $2,812 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
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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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$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.



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.

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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
5.10% 4.38

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 March 31, 2021, Umico had $42,117 in non-current loans and $0 in owned assets. To cover these potential losses it had $810,754 in net worth and $14,731 in loans loss reserves. That gives it a Texas Ratio of 5.10%.

Net Worth
Umico U.S. Average
8.33% 12.20%

Umico FCU has a net worth of 8.33% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Umico

Branches and Savings

What is Umico?

A federal credit union, registered with the NCUA under certificate #3313.
Learn more about credit unions here.

Is Umico FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Umico is insured by the NCUA.

Who can join Umico?

Please see Field of Membership information above for information on who is eligible to join.

What are Umico's share account and share certificate rates?

Umico's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Umico?

Umico has total capital of $0.81 million. Full information on Umico's financial position is located above.

Who owns Umico?

Credit Unions are owned by their members.

Where are Umico branches located?

See branch locations nearby.

Are Umico ATMs Open 24/7?

Do Umico ATMs accept cash deposits?

Can Umico customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Umico have a mobile app?

Does Umico have mobile deposit?

Does Umico have quick pay?

How can Umico transfer money to other banks or credit unions?

Does Umico report to credit bureaus?

Does Umico use Chexsystems?

Does Umico use Equifax?

What is Umico's toll free phone number?

What is Umico's ACH Routing Number?

What is Umico's SWIFT code?

Where can I find Umico's wire transfer form?

What is the Umico address for deposits?

What Products Does Umico Offer

Does Umico offer mortgages?

Compare mortgage rates here.

Does Umico offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Umico offer auto and RV loans?

Compare auto loan rates here.

Does Umico offer student loans or personal loans?

Compare personal loan rates here.

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