--- title: "Ume Credit Union Rates (Nov 2026): CDs to 3.55%" description: "Ume Credit Union rates today: savings & CDs up to 3.55% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Ume Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/ume" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Ume Credit Union Rates (Nov 2026): CDs to 3.55% ### Mortgage rates 6 offers | Product | Published | Rate | Term / condition | Status | | **MORTGAGE TYPE Conventional 30 year fixed** 30 year fixed | — APR | 7.253% | — | Standard | | **MORTGAGE TYPE Conventional 15 year fixed** 15 year fixed | — APR | 6.830% | — | Standard | | **MORTGAGE TYPE 5/1 ARM 2** 5 1 arm | — APR | 6.119% | — | Standard | | **MORTGAGE TYPE 40 year 10/1 ARM 2** 10 1 arm | — APR | 7.110% | — | Standard | | **MORTGAGE TYPE No seasoning on bankruptcies, foreclosures, or short sales** other | — APR | 6.623% | — | Standard | | **MORTGAGE TYPE Bank income verification** other | — APR | 6.623% | — | Standard | Ume Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 26 offers | Product | Published | Rate | Term / condition | Status | | **New Vehicle Loans - Cars, Trucks, and SUVs (TERM 24 months)** auto_new_24mo | — APR | 4.250% | 24 mo · new | Standard | | **New Vehicle Loans - Cars, Trucks, and SUVs (TERM 48 months)** auto_new_48mo | — APR | 4.500% | 48 mo · new | Standard | | **New Vehicle Loans - Cars, Trucks, and SUVs (TERM 36 months)** auto_new_36mo | — APR | 4.500% | 36 mo · new | Standard | | **New Vehicle Loans - Cars, Trucks, and SUVs (TERM 60 months)** auto_new_60mo | — APR | 4.750% | 60 mo · new | Standard | | **Used Vehicle Loans - Cars, Trucks, and SUVs (TERM 24 months)** auto_used_24mo | — APR | 4.750% | 24 mo · used | Standard | | **Used Vehicle Loans - Cars, Trucks, and SUVs (TERM 48 months)** auto_used_48mo | — APR | 5.000% | 48 mo · used | Standard | | **New Vehicle Loans - Cars, Trucks, and SUVs (TERM 72 months)** auto_new_72mo | — APR | 5.000% | 72 mo · new | Standard | | **Used Vehicle Loans - Cars, Trucks, and SUVs (TERM 36 months)** auto_used_36mo | — APR | 5.000% | 36 mo · used | Standard | | **Used Vehicle Loans - Cars, Trucks, and SUVs (TERM 60 months)** auto_used_60mo | — APR | 5.250% | 60 mo · used | Standard | | **Used Vehicle Loans - Cars, Trucks, and SUVs (TERM 72 months)** auto_used_72mo | — APR | 5.500% | 72 mo · used | Standard | | **New Vehicle Loans - Cars, Trucks, and SUVs (TERM 84 months)** auto_new_84mo | — APR | 5.750% | 84 mo · new | Standard | | **Used Vehicle Loans - Cars, Trucks, and SUVs (TERM 84 months)** auto_used_84mo | — APR | 6.000% | 84 mo · used | Standard | | **24-Month Motorcycle Loan** motorcycle_any_24mo | — APR | 6.500% | 24 mo | Standard | | **Boat and RV Loans (TERM 24 months)** boat_any_24mo | — APR | 6.500% | 24 mo | Standard | | **36-Month Motorcycle Loan** motorcycle_any_36mo | — APR | 6.750% | 36 mo | Standard | | **Boat and RV Loans (TERM 36 months)** boat_any_36mo | — APR | 6.750% | 36 mo | Standard | | **Boat and RV Loans (TERM 48 months)** boat_any_48mo | — APR | 7.000% | 48 mo | Standard | | **48-Month Motorcycle Loan** motorcycle_any_48mo | — APR | 7.000% | 48 mo | Standard | | **Boat and RV Loans (TERM 60 months)** boat_any_60mo | — APR | 7.250% | 60 mo | Standard | | **60-Month Motorcycle Loan** motorcycle_any_60mo | — APR | 7.250% | 60 mo | Standard | | **Boat and RV Loans (TERM 72 months)** boat_any_72mo | — APR | 7.500% | 72 mo | Standard | | **72-Month Motorcycle Loan** motorcycle_any_72mo | — APR | 7.500% | 72 mo | Standard | | **Boat and RV Loans (TERM 84 months)** boat_any_84mo | — APR | 7.750% | 84 mo | Standard | | **84-Month Motorcycle Loan** motorcycle_any_84mo | — APR | 7.750% | 84 mo | Standard | | **Boat and RV Loans (TERM 120 months)** boat_any_120mo | — APR | 8.250% | 120 mo | Standard | | **Boat and RV Loans (TERM 144 months)** boat_any_144mo | — APR | 8.750% | 144 mo | Standard | Ume Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **LOAN TYPE 10-Year Draw** heloc | — APR | 5.990% | — | Standard | Ume Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **LOAN TYPE Personal Loan** personal_unsecured_60mo | — APR | 11.900% | 60 mo | Standard | Ume Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 24 offers | Product | Published | Rate | Term / condition | Status | | **TERM AND ACCOUNT TYPE Coverdell Savings** savings | 0.05% APY | 0.05% | — | Standard | | **ACCOUNT TYPE IRA Savings Account** ira | 0.25% APY | 0.25% | — | Standard | | **Certificates (CDs) (TERMS 6 to 11 months)** cd_11mo | 3.20% APY | 3.15% | 11 mo | Standard | | **ACCOUNT TYPE IRA Certificates (CD) with 24 to 35 month term** ira_cd_35mo | 3.30% APY | 3.25% | 35 mo | Standard | | **Jumbo Certificates (TERM 6 to 11 months)** cd_11mo | 3.30% APY | 3.25% | 11 mo | Standard | | **Certificates (CDs) (TERMS 24 to 35 months)** cd_35mo | 3.30% APY | 3.25% | 35 mo | Standard | | **ACCOUNT TYPE IRA Certificates (CD) with 36 to 47 month term** ira_cd_47mo | 3.35% APY | 3.30% | 47 mo | Standard | | **Certificates (CDs) (TERMS 36 to 47 months)** cd_47mo | 3.35% APY | 3.30% | 47 mo | Standard | | **ACCOUNT TYPE IRA Certificates (CD) with 12 to 23 month term** ira_cd_23mo | 3.40% APY | 3.35% | 23 mo | Standard | | **Jumbo Certificates (TERM 24 to 35 months)** cd_35mo | 3.40% APY | 3.35% | 35 mo | Standard | | **ACCOUNT TYPE IRA Certificates (CD) with 48 to 59 month term** ira_cd_59mo | 3.40% APY | 3.35% | 59 mo | Standard | | **Certificates (CDs) (TERMS 48 to 59 months)** cd_59mo | 3.40% APY | 3.35% | 59 mo | Standard | | **TERM AND ACCOUNT TYPE 36 to 47 month Coverdell Certificate** cd_47mo | 3.40% APY | 3.35% | 47 mo | Standard | | **Certificates (CDs) (TERMS 12 to 23 months)** cd_23mo | 3.40% APY | 3.35% | 23 mo | Standard | | **ACCOUNT TYPE IRA Certificates (CD) with 60 month term** ira_cd_60mo | 3.45% APY | 3.40% | 60 mo | Standard | | **60-Month Certificate** cd_60mo | 3.45% APY | 3.40% | 60 mo | Standard | | **TERM AND ACCOUNT TYPE 48 to 59 month Coverdell Certificate** cd_59mo | 3.45% APY | 3.40% | 59 mo | Standard | | **Jumbo Certificates (TERM 36 to 47 months)** cd_47mo | 3.45% APY | 3.40% | 47 mo | Standard | | **TERM AND ACCOUNT TYPE 24 to 35 month Coverdell Certificate** cd_35mo | 3.45% APY | 3.40% | 35 mo | Standard | | **Jumbo Certificates (TERM 12 to 23 months)** cd_23mo | 3.50% APY | 3.45% | 23 mo | Standard | | **TERM AND ACCOUNT TYPE 60 month term Coverdell Certificate** cd_60mo | 3.50% APY | 3.45% | 60 mo | Standard | | **Jumbo Certificates (TERM 48 to 59 months)** cd_59mo | 3.50% APY | 3.45% | 59 mo | Standard | | **TERM AND ACCOUNT TYPE 12 to 23 month Coverdell Certificate** cd_23mo | 3.55% APY | 3.49% | 23 mo | Standard | | **Jumbo Certificates (TERM 60 months)** cd_60mo | 3.55% APY | 3.49% | 60 mo | Standard | Ume Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 3.55% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/ume) , verified from [Ume Credit Union's official website](https://www.umecreditunion.com/) Loading branch locator… ## About Ume Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 17.4K Assets $334.1M Founded 1940 Locations reported 1 NCUA charter 3945 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Gain** 1800 W. Magnolia Blvd · Burbank · CA · 91506-1726 About 1.1 miles away](https://rateapi.dev/credit-unions/california/gain) [**Premier America** Hollywood Way Branch · Burbank · CA · 91505-4984 About 1.2 miles away](https://rateapi.dev/credit-unions/california/premier-america) [**Farmers Insurance** FARMERS INSURANCE GROUP FEDERAL CREDIT UNION · Burbank · CA · 91504 About 1.3 miles away](https://rateapi.dev/credit-unions/california/farmers-insurance) [**Partners** Buena Vista Plaza Branch · Burbank · CA · 91506-2629 About 1.4 miles away](https://rateapi.dev/credit-unions/california/partners) [**American Broadcast Employees** 2312 W Olive Ave · Burbank · CA · 91506 About 1.4 miles away](https://rateapi.dev/credit-unions/new-york/american-broadcast-employees) [**Clearpath** North Hollywood Branch · North Hollywood · CA · 91601 About 1.5 miles away](https://rateapi.dev/credit-unions/california/clearpath) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Ume Credit Union Membership eligibility from Ume Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Ume Credit Union's website. Check the membership page below to confirm whether you qualify. - Association organization in Burbank Verified from [Ume Credit Union's membership page](https://www.umecreditunion.com/open-an-account/) . Final membership determination is always made by the credit union. ## Membership rules for Ume Credit Union Geography 1 county · Associations 2 published paths to membership, last verified August 21, 2026, quoted from Ume Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Los Angeles County, CA “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Los Angeles County, CA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of organization in Burbank “Do U live in, work, worship or belong to an organization in Burbank? Welcome!” > [source ↗](https://www.umecreditunion.com/open-an-account/) - Member of organization in Burbank Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Ume Credit Union? Yes No ## Work at Ume Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Ume Credit Union ranks against California peers. - See which AI assistants fetched Ume Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=ume&state=california&code=CA&name=Ume%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Ume Credit Union offer? Ume Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Ume Credit Union rates updated? RateAPI verifies Ume Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Ume Credit Union's rate data? Rate data is collected directly from Ume Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Ume Credit Union's best CD rate? As of November 12, 2026, Ume Credit Union offers savings and certificate (CD) yields up to 3.55% APY. ### Who can join Ume Credit Union? Ume Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 county and 1 association for Ume Credit Union, each quoted from Ume Credit Union's own published membership criteria. ## Related Rate Data Compare Ume Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California mortgage rate leaders](https://rateapi.dev/mortgage-rates/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California HELOC rate leaders](https://rateapi.dev/heloc-rates/california) [California personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.umecreditunion.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Ume Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Ume Credit Union curl "https://api.rateapi.dev/credit-unions/california /ume " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Ume Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/ume Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp