(800) 245-0433 PO Box 60651, Montclair, CA 91763

Overdraft Protection

Sometimes it happens, and there’s nothing you can do about it. You forget about that check you wrote or purchase you made the other day, and you end up overdrawing your account. Luckily, UMFCU offers you overdraft protection for your accounts so that you don’t have to pay fees if you accidentally overdraw your account.

Click here to View Loan Rates.

To apply for an Overdraft Line of Credit, log in to our eBranch to fill out an application and get instant approval! If you are new to UMFCU’s eBranch, give us a call at 1-800-245-0433 and we will help you set up your account.

You may also download and print a loan application here, and then mail it in or bring it to your local branch.


New Auto Loans

as low as

2.99%APR*


Used Auto Loans

as low as

3.25%APR*


Church Loans

as low as

3.50%APR*


VISA® Classic

as low as

15.40%APR*


VISA® Platinum

as low as

10.60%APR*


Regular/Special Share

Dividend Rate

0.05%APY*


Youth Share Account

Dividend Rate

0.10%APY*


Christmas Club

Dividend Rate

0.10%APY*

* APR = Annual Percentage Rate. APY = Annual Percentage Yield. All rates are subject to change without notice. See applicable disclosures on rates page.