Umico Federal Credit Union

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A short history of Umico FCU

Since its inception in 1939 the Umico Federal Credit Union has been serving its members in the NEW HARTFORD, New York area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Michelle Siriano, the Umico FCU has grown its membership to over 1,158 with assets of more than $7,614,402. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (315) 734-2139 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in NEW HARTFORD, NY.

General Information For Umico FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 3313
Address 180 GENESEE ST 
State New York 
Zip-Code 13413
Phone Number (315) 734-2139
Fax Number (315) 734-2467
Email Address:
CEO/President Michelle Siriano
Members 1,158 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 7,614,402 

Compare Umico Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Utica District Telephone Employees CU CREDIT UNION LOT 2812 GENESEE ST 13502 (315) 724-5133 No 1.29
Utica Gas & Electric Emp CU Main 215 Old Campion Rd 13413 (315) 733-1596 No 2.13
First Source CU First Source Federal Credit Union 4451 Commercial Dr 13413 (315) 735-8571 No 3.12
Oneida County CU Oneida County Federal Federal Credit Union 800 Park Ave 13501 (315) 798-5741 No 3.28
Utica Police Department CU utica police dept. fcu utica police dept.fcu 13502 (315) 223-3592 No 3.30

Umico Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Umico Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.90 2.30 2.72 N/A 3.49
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 61 68 N/A 55
Rank Among All New York Credit Unions 41 24 23 N/A 19

Umico Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.25 N/A 0.40 N/A
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 95 N/A 284 N/A
Rank Among All New York Credit Unions N/A 25 N/A 74 N/A
Umico Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.900169259,004
All Other Unsecured Loans/Lines of Credit 9.000387771,264
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.3001191,749,775
Used Vehicle Loans 2.7201001,013,633
Total 1st Mortgage Real Estate Loans/Lines of Credit 0.00000
Total Other Real Estate Loans/Lines of Credit 3.49039729,804
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.6901175,258
TOTAL LOANS & LEASES 8254,598,738

Umico Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 0000
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 39729,80400
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 39729,80400


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Umico Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes