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Rates & Fees

We hope the money you save on loan payments and make on deposits helps you make significant steps toward financial success. UMCU works hard to keep loan rates reasonable and dividend rates as high as possible.

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Attractive rates to maximize

your financial potential.

Loans Credit Cards Checking Savings Certificate

Auto Loans

Effective Date: February 27, 2025

Term APR*
Term Up to 36 Months APY* 4.50% - 13.35%
Term 37-48 Months APY* 4.50% - 13.35%
Term 49-60 Months APY* 4.50% - 14.59%
Term 61-72 Months APY* 4.50% - 15.59%
Term 73-84 Months APY* 5.50% - 16.84%
Payment example: The monthly payment per $1,000 borrowed at 8.99% APR for a term of five years would require 60 payments of $20.76 (per $1,000).


Home Loans

Effective Date: January 1, 2025

Term APR*
Term Home Equity Line of Credit APR* 7.50% - 13.75% Adjustable


Other Loans

Effective Date: February 1, 2025

Rate Type APR* Term
Rate Type My Choice Loan* APR* 9.75% - 15.75% Term fixed
Rate Type Line-of-Credit* APR* 17.49% - 21.49% Term adjustable
Rate Type Revolving Student Loan* APR* 9.75% - 16.75% Term adjustable
Rate Type Build My Credit Loan APR* 9.90% Term fixed
Rate Type Certificate Secured Loan APR* 2.00% + Current Certificate rate Term fixed
Rate Type RV-Motorcycle, Jet Ski, Snowmobile, ATV* APR* 7.24% - 16.74% Term fixed
Rate Type Motor Home, Boat, Travel Trailer* APR* 7.50% - 20.75% Term fixed
Rate Type Technology Loan APR* 4.99% Term fixed
Rate Type Home Improvement Loan* APR* 9.75% - 16.25% Term fixed
Loan approval dependent upon credit history.*Actual APR determined by credit history, approved loan amount and loan term.Payment example: The monthly payment per $1,000 borrowed at 13.75% APR for a term of four years would require 48 payments of $27.22 (per $1,000).

Schedule of Fees & Charges

At UMCU, we always value transparency. Below you’ll find our schedule of fees and charges, so you’re never hit with an unexpected fee.

Account/Activity Fee
Account/Activity Basic Checking & Go Blue Checking Fee No monthly fee
Account/Activity Interest Checking Monthly Maintenance
(no monthly maintenance fee with a minimum daily balance of $500) 		Fee $8.00
Account/Activity Stop payment (per stop requested)

Please note that a stop payment made using TellerPhone (telephone teller) or online banking is valid for two weeks. Before the two-week expiration date, you will receive a form from the credit union that you can use to authorize an extension of the stop payment. You need to sign the form and return it to UMCU

 Fee $30.00
Account/Activity Temporary Checks (4) Fee $2.00
Account/Activity Courtesy Pay* Fee $30.00
Account/Activity Non-Sufficient Funds*
(each time check or preauthorized withdrawal is presented) 		Fee $30.00
Account/Activity Overdraft Protection
(preauthorized transfers from savings, checking, Visa or Line of credit) 		Fee $2.00 per transfer to your Checking or Savings account
Account/Activity Replacement Card Fee $7.50
Account/Activity Non-UMCU/ Non-CO-OP Network ATM Transaction

(Fee waived for 4 transactions per month for accounts in good standing. All transactions free for CU+ accounts in good standing. Additional surcharge fees charged by non-UMCU ATM owners may apply.)

 Fee $2.00
Account/Activity

Foreign Transaction
(transaction in foreign currency or with a merchant located in a foreign country)

 Fee 1% of the transaction amount after it is converted into U.S. dollars
Account/Activity Sales Draft Copy Fee $10.00
Account/Activity Late Loan Payment Fee Refer to your loan contract for late fee amount
Account/Activity Lien Verification (per month after 45 days) Fee $75.00
Account/Activity Loan Payment Returned Fee $30.00
Account/Activity Refinance of UMCU Loan Fee $75.00