Checking and Savings Accounts

Savings/Shares

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Regular Share Account
This type of account is broken into different tiers. You can also earn higher dividends based on the balance you keep in your account. Rates vary monthly and are compounded and credited monthly as well.

Money Market Multiplier Account
The minimum balance in the Money Market Multiplier is $2,000 and dividends are compounded and credited monthly. Write up to three checks per month and make three transfers per month.* You may make transfers from other UMFCU accounts via telephone, e-Branch Internet Banking, Phone Express or automatic transfer.

*A $15 fee will apply to minimum balances below $2,000 or if more than six transactions occur during any one month period.

Extreme Saver Youth Account
This account is designed for kids up to 18 years of age, to teach them the importance of financial responsibility. They’ll also love knowing they have money! Requires a minimum amount of $5 to open and there is no membership fee. Youth accounts earn a higher rate of interest than our regular share account and dividends are paid monthly.

Christmas Club
Save for the holidays every year. Designate a specific monthly transfer amount from another account or add to your club account any time during the year. The paying dividend into this account is usually higher than that of our regular savings account.


Checking

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Value Vantage
Our basic checking account, with an ATM or debit check card. Overdraft protection is available up to $2,000, on approved credit only. This account pays no dividends and features no monthly maintenance fee as well.

Premium Checking
Maintain a balance of at least $400 to earn monthly dividends. An ATM or debit check card are available as is overdraft protection up to $2,000, on approved credit only. This account features no maintenance fees of any kind.

Golden Checking
For those in their golden years, this free checking account pays dividends with no minimum balance requirement. An ATM or debit check card, and overdraft protection up to $2,000 on approved credit. For those 55 or older.

All checking accounts are free of monthly service charges.

Investment

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Share Certificates
UMFCU offers fixed-rate share certificates with terms from 6-months to 5-years. Minimum of $1,000 is required to open a share certificate, and dividends are compounded and paid quarterly.

Individual Retirement Accounts (IRA)
Invest for your future. It’s never too early or too late to start. A sampling of what we offer includes traditional and Roth IRA share accounts, 2-year traditional and Roth IRA share certificates, 5-year traditional and Roth IRA share certificates. Click here to download a pdf brochure to learn more about how an IRA can benefit you.