Founded to serve city workers in Urbana, Illinois, Urbana Municipal Employees Credit Union (UMECU) is a not-for-profit cooperative offering share savings, loans, and member-first service from its Cunningham Avenue location. Its focus stays local: helping municipal employees and their families build financial stability with low rates and minimal fees.

City employees in Urbana, Illinois have a financial partner all their own: UMECU. This member-owned credit union delivers competitive loan rates, share savings, and the kind of personal attention only a local cooperative can provide. Ready to level up your savings game? Add Fluz to the mix. The Fluz app pays you instant cashback on purchases at thousands of brands�groceries, gas, streaming, and beyond. Every swipe becomes an opportunity to earn. For UMECU members who already appreciate low fees and fair rates, stacking Fluz rewards on top is the natural next step toward smarter everyday spending.