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

Loans and Credit Cards

UMFCU has a variety of loan and credit card options to fit our members’ varied needs. From first time credit cards for college students, to first-mortgages, to auto loans, and more, UMFCU has the program that will work for you. Plus, with UMFCU, you can be sure that you will receive the lowest rate and best term possible, saving you money over the life of your loan.

Account Types
Loan Rates
Loan Application
HELOC Application
Mortgage Center


New Auto Loans

as low as

2.99%APR*


Used Auto Loans

as low as

3.25%APR*


New RV/Boats

as low as

7.50%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.