Credit union · NCUA insured
UMe Credit Union Savings Rates
UMe Credit Union’s best savings rate is 0.90% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How UMe Credit Union’s savings rates compare
Compared with banks and credit unions near Los Angeles, CA, where UMe Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UMe Credit Union
0.90%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $90
Money Market Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
UMe Credit Union savings score
83
Savings score
Higher than 62% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.90%
- $100,000 balance$100,0001.70%
- QualifiedQualified0.90%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where UMe Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings
Up to 0.90%APY
Tiered account options. Dividends are based on the average daily balance and are posted monthly. Rates and yields subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,500 and upMoney Market Savings 1 tier. Minimum average daily balance required to earn dividends. | 0.30% | $30 | Money Market Savings 1 tier. Minimum average daily balance required to earn dividends. |
| $10,000 and upMoney Market Savings 2 tier. Minimum average daily balance required to earn dividends. | 0.90% | $90 | Money Market Savings 2 tier. Minimum average daily balance required to earn dividends. |
| $50,000 and upMoney Market Savings 3 tier. Minimum average daily balance required to earn dividends. | 1.20% | — | Money Market Savings 3 tier. Minimum average daily balance required to earn dividends. |
| $100,000 and upMoney Market Savings 4 tier. Minimum average daily balance required to earn dividends. | 1.70% | — | Money Market Savings 4 tier. Minimum average daily balance required to earn dividends. |
Sources (1)
- umecreditunion.com/bank-invest…gs/money-market-accounts · captured Oct 6, 2026
Summer Savings Account
0.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum average daily balance of $100 required to earn dividends. Special Savings dividends are based on average daily balance and posted quarterly. Maximum monthly deposits $1,000; maximum annual deposit $10,000.$100 and up | 0.50% | $50 | Minimum average daily balance of $100 required to earn dividends. Special Savings dividends are based on average daily balance and posted quarterly. Maximum monthly deposits $1,000; maximum annual deposit $10,000. |
Sources (1)
- umecreditunion.com/rates · captured Oct 16, 2026
Regular Savings
0.05%APY
Establishes membership with the credit union. No monthly fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum average daily balance of $100 required to earn dividends.$100 and up | 0.05% | $5 | Minimum average daily balance of $100 required to earn dividends. |
Sources (3)
- umecreditunion.com/rates
- umecreditunion.com/bank-invest/personal-savings
- umecreditunion.com/bank-invest/personal-savings/regular
All captured Oct 16, 2026
Special-purpose accounts
IRA Savings Account
0.25%APY
Available in Traditional and Roth IRAs. Earns a variable rate with no set terms.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum average daily balance of $25 required to earn dividends; dividends are posted quarterly. Maintenance fee is $15 per year.$25 and up | 0.25% | $25 | Minimum average daily balance of $25 required to earn dividends; dividends are posted quarterly. Maintenance fee is $15 per year. |
Sources (2)
All captured Oct 16, 2026
Coverdell Savings
0.05%APY
Coverdell Education Savings Account (CESA) for education expenses. Annual contribution limit of $2,000 per child. Income limits apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum average daily balance of $25 required to earn dividends; dividends are posted quarterly.$25 and up | 0.05% | $5 | Minimum average daily balance of $25 required to earn dividends; dividends are posted quarterly. |
Sources (2)
All captured Oct 16, 2026
Holiday Savings Account
0.05%APY
Designed to save throughout the year; funds automatically transfer to UMe Savings Account in early November. Early withdrawal penalty applies. No minimum opening deposit. No monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
Sources (2)
All captured Oct 16, 2026
Youth Savings and Coogan Account
0.05%APY
For members age 18 and under. Coogan trust account safeguards 15% gross earnings of minor performers/athletes until age 18 or legal emancipation. No membership fee for members under 18.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum average daily balance of $25 required to earn dividends; dividends are posted quarterly.$25 and up | 0.05% | $5 | Minimum average daily balance of $25 required to earn dividends; dividends are posted quarterly. |
Who can join UMe Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.