UMe Credit Union
- Company typePrivate
- Founded1940
- HeadquartersBurbank, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
UMe Credit Union firmographics
Firmographics- Name
- UMe Credit Union
- Legal name
- UMe Federal Credit Union
- Website
- https://umecreditunion.com
- Company type
- Private
- Founded year
- 1940
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
UMe Credit Union industry classification
Industry- Product category
- Community Banking (Credit Union)
- NAICS
- Credit Unions (52213), Credit Unions (522130), Credit Card Issuing (522210)
- SIC
- Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141)
- akta.pro primary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
- akta.pro secondary industries
- Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), BNPL Card / Virtual Card Programs (FSAKACAC)
Keywords
Where UMe Credit Union is headquartered
LocationHeadquarters
- HQ city
- Burbank
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
UMe Credit Union business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income from Loans: UMe generates revenue primarily through interest charged on loans including auto loans, home loans, HELOCs, personal loans, credit cards, and student loans. As a not-for-profit credit union, excess revenue is returned to members through better rates and lower fees.
- Fee Income: Various banking fees including early withdrawal penalties on certificates, late payment fees, and other standard account service charges. Many core services are offered free to members.
- Insurance Products: Revenue from insurance products including GAP insurance, Mechanical Repair Coverage, Payment Protection, and vehicle insurance through TruStage partnership
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Regular Savings Account |
| Transaction based/ take rate | Monthly | New Auto Loans |
| Transaction based/ take rate | Monthly | Used Auto Loans |
| Transaction based/ take rate | Pay-as-you-go | Home Equity Line of Credit (HELOC) |
| Transaction based/ take rate | Monthly | Visa Platinum Credit Card |
| Subscription | Monthly | Money Market Savings |
| Subscription | Multi-year contract | Certificate Accounts (CDs) |
| Subscription | Monthly | Holiday Savings Account |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
UMe Credit Union product offering
Product offeringCore offering
UMe Credit Union is a not-for-profit, member-owned community credit union providing personal and small-business banking, deposit accounts, consumer and business lending, credit cards, and insurance products. Members access services through a Burbank branch, mobile and online banking, the UMe CardNav card-control app, and phone support, with rates and fees structured to return value to members.
Product overview
UMe Credit Union is a community-focused credit union serving Burbank, California, offering a comprehensive suite of financial products and services. The institution operates on a not-for-profit, member-owned model and provides traditional banking services including checking, savings, money market accounts, and certificate accounts (CDs). Lending products span home equity (HELOCs), home loans, auto loans with refinancing options, credit cards, personal loans, student loans, and small business loans. Insurance offerings include GAP protection, mechanical repair coverage, and payment protection. Digital banking services encompass online banking, mobile banking apps (iOS/Android), and the UMe CardNav app for debit and credit card management. The institution also offers investment services, retirement accounts (IRAs), money transfers, and partners with Autoland for car-buying assistance. Community programs include an annual scholarship for Burbank students.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking
Quantifiable outcome
- 5.99% HELOC introductory rate for 12 months - significantly lower than typical credit card rates
- +3 more outcomes
Companies that use UMe Credit Union
Customer profileNamed customers7 records
Segments3 records
Ideal customer profiles3 records
UMe Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
UMe Credit Union partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core, peripheral and minor.
- AutolandcoreAutoland is a car-buying service that acts as UMe members' personal car concierge. The partnership allows UMe to offer members free car-buying assistance including vehicle search across a vast network, haggle-free pricing negotiation, trade-in assistance, and connection to competitive UMe auto financing. Available exclusively to credit union members.
- TruStageperipheralTruStage provides vehicle insurance products offered through UMe for members purchasing or refinancing auto loans. Partnership allows UMe to offer members discounted insurance rates through a trusted provider integrated into the auto loan process.
- Burbank Arts & Education FoundationcoreUMe partners with the foundation to enable membership for individuals outside Burbank through a $10 donation. UMe also matches member donations to the foundation and has contributed over $12,000 in matched donations.
- Burbank Unified School DistrictcoreUMe provides annual financial support to BUSD, totaling $32,556 in 2025. The partnership includes scholarship programs and community involvement supporting Burbank students.
- Leadership BurbankminorUMe supports Leadership Burbank through donations ($11,264 in 2025) and volunteer hours (388 hours in 2025). Partnership supports leadership development and community building in Burbank.
- Kiwanis Club of BurbankminorUMe supports Kiwanis Club of Burbank as part of its community giving program, contributing to local community organizations alongside other nonprofits.
- HomeAgain LAminorUMe supports HomeAgain LA through donations and volunteer hours as part of its UMeHelps community initiative supporting homeless assistance programs in the area.
- Boys & Girls Club of BurbankminorUMe volunteers time (388 hours in 2025 combined with other organizations) supporting the Boys & Girls Club of Burbank through its community service initiatives.
- Burbank Chamber of CommerceminorUMe participates in Burbank Chamber of Commerce activities and volunteer programs as part of its community involvement strategy.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
UMe Credit Union competitors and assessment
Company assessmentBroad incumbents
- Chase Bank: Largest US retail bank with a major Burbank branch network. Competes head-to-head for UMe's deposit and lending customers with much greater scale, brand, and digital capabilities, but without the community/credit-union positioning.
- Bank of America: National bank with a significant Burbank retail presence and full consumer product suite. Competes for the same consumer and small-business customers UMe serves, with substantially larger marketing and technology budgets.
- Wells Fargo: Major national bank with extensive California retail presence. Overlaps directly with UMe on checking, savings, auto loans, mortgages, and credit cards, serving as a scaled incumbent competitor in Burbank.
Emerging players
- Ally Bank: Online bank with competitive deposit yields and a digital lending platform. Competes with UMe for rate-sensitive savers and digital-first borrowers who do not require a branch relationship.
- SoFi: Digital-first bank and lender offering deposits, credit cards, and personal/student loans through a mobile-first experience. Represents the digitally native competitive threat to UMe's younger member segments.
Direct peers
- Wescom Central Credit Union: Southern California credit union offering full-service consumer banking, lending, and digital tools. Comparable full-stack product breadth, community-charter positioning, and Southern California footprint.
- Kinecta Federal Credit Union: Member-owned credit union operating in Southern California with a full suite of deposit, lending, and wealth products. Comparable community-based model and regional product offering.
- SchoolsFirst Federal Credit Union: California's largest credit union, also founded by educators and serving school employees and their families. Highly comparable community-charter, member-owned model with a similar product suite (deposits, auto, HELOC, cards) and deep local presence.
- First Entertainment Credit Union: Credit union serving the entertainment industry with roots in Burbank/Hollywood. Directly competes for the same Burbank entertainment-employed membership base that anchors UMe, with a similar community-focused, member-owned structure.
- Logix Federal Credit Union: California-based credit union providing checking, savings, mortgages, auto loans, and credit cards. Comparable full-stack consumer financial services and digital banking capabilities to UMe.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
UMe Credit Union social profiles
Digital presenceUMe Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
UMe Credit Union leadership team
Management profileNumber of profiles
UMe Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
UMe Credit Union M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about UMe Credit Union
What does UMe Credit Union do?
UMe Credit Union is a not-for-profit, member-owned community credit union providing personal and small-business banking, deposit accounts, consumer and business lending, credit cards, and insurance products. Members access services through a Burbank branch, mobile and online banking, the UMe CardNav card-control app, and phone support, with rates and fees structured to return value to members.
Is UMe Credit Union a public or private company?
UMe Credit Union is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was UMe Credit Union founded?
UMe Credit Union was founded in 1940. It employs 11 to 50 people.
Where is UMe Credit Union based?
UMe Credit Union is headquartered in Burbank, United States, in the North America region.
How does UMe Credit Union make money?
Three revenue lines are on record. Interest Income from Loans are the primary driver. The others are fee Income and insurance Products.
Who are UMe Credit Union's main competitors?
Broad incumbents on record are Chase Bank, Bank of America and Wells Fargo. Emerging players are Ally Bank and SoFi. Direct peers are Wescom Central Credit Union, Kinecta Federal Credit Union, SchoolsFirst Federal Credit Union, First Entertainment Credit Union and Logix Federal Credit Union.
Does UMe Credit Union have an API?
No public API is recorded for UMe Credit Union.
What industry is UMe Credit Union in?
UMe Credit Union's product category is Community Banking (Credit Union). Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus), with a secondary code of FSAKAAAL, Bank & Credit Union Personal Loans (Unsecured Installment). Its NAICS code is 52213 and its SIC code is 6035.