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

Checking and Savings Accounts


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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.

Effective July 1, 2017

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Secure Checking*

Secure Checking provides a host of benefits designed to help protect your family and help your money do more, here are just a few: Mobile Banking, Bill Pay, ID Protect® – Identity Theft Monitoring and Resolution Service¹, which includes credit file monitoring, the ability to request a 3-in-1 credit report every 90 days, fully managed resolution services and more.  Secure Checking includes an account fee of $5.99 per month. UMFCU believes this account will provide superior value to you, our member. Click here to learn more about all the benefits of Secure Checking or call us at 800-245-0433.

*Registration/activation required
¹IDProtect service is a personal identity theft protection service available to account owner(s) and their joint account holders.  The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners).  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s).  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).  Service is not available to a “signer” on the account who is not an account owner.  Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students.

Insurance Products are not insured by NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the credit union or any credit union affiliate.

Simpli Checking

Simpli Checking is UMFCU’s no-fee checking account. This account will have a $0 monthly fee as along as you receive e-statements. If you would prefer Simpli Checking, please call us as 800-245-0433.


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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.

Learn more about how an IRA can benefit you. Click here to download

New Auto Loans

as low as


Used Auto Loans

as low as


Church Loans

as low as


VISA® Classic

as low as


VISA® Platinum

as low as


Regular/Special Share

Dividend Rate


Youth Share Account

Dividend Rate


Christmas Club

Dividend Rate


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