United Credit Union provides its members a variety of loan products, terms and rates to meet their financial requirements from time to time.  You can apply for a loan in person, on line or through our 24/7 loan by phone service.  United Credit Union has a loan product to fit your needs and at an attractive competitive rate.  When the need arises it is prudent for our members to call or stop at any of our convenient Financial Service Centers and speak to a Personal Financial Representative.

FinancialNeeds_tag

 

Current Rates in effect January 11, 2017

Vehicle Loans

Loan Type

Term
APR Rates**
New Auto 2016-2017
Up to
72 Months
2.70% – 12.75%
Used Auto 2015-2016
2.75% – 14.50%

** APR for New and Used autos, vans, SUVs and trucks will be adjusted when Single Credit Life Insurance is added to the loan balance each month.

Notes:

  • Vehicle Loans are eligible for 0.25% rate discount with loan repayment by Direct Deposit or Payroll Deduction.  Ask for details.
  • Vehicle Loans are eligible for 0.25% rate discount with 20% down payment which includes cash or auto trade-in.
  • Rates, terms and eligible amount for financing are based on your personal credit history.  Certain restrictions may apply.  Ask for details.
  • NEW Vehicles: Up to 100% Financing, if you qualify. Cash Purchase price includes taxes, license and title. Excluding extended warranty, Gap insurance, etc.
  • USED Vehicles: Up to 100% of NADA Average Retail, if you qualify, LESS: High Mileage Adjustment. Cash Purchase price includes taxes, license and title. Excluding extended warranty, Gap insurance, etc.

Personal Loans

Loan Type

Term

APR Rates*

Amount

Fixed Term

Up to 36 Months

9.95% – 19.0%

Up to $5,000.00

Line of Credit

Open

9.00% – 17.00%

Up to $15,000.00

* APR for the personal loans will be adjusted when Single Life Insurance is added to the loan balance each month.  The range for a fixed term personal loan will 10.64% to 19.70% APR and for the open line of credit the APR will be 19.70%.

Note:

Rates, terms and eligible amount for financing are based on your personal credit history.  Certain restrictions may apply.  Ask for details.

Other Secured Loans

Loan Type

Term

APR Rates**

Amount

Share / Savings Account

Up to 24 Months

Up to CD Maturity

Up to 24 Months

Dividend Rate + 3.0%
100% of Available Funds
Share Secured Certificate of Deposit
Dividend Rate + 2.0%
100% of Certificate Funds
Share Secured Line of Credit
3.0%
100% of Available Funds
Certificate Secured Line of Credit

Up to CD Maturity

2.0%
100% of Certificate Funds

With a United Credit Union Savings Secured Loan it’s Simple, Swift, Smart, Safe and Sound.  Your Savings will stay intact while earning our regular high rate of dividend and you “pay yourself” back at a low interest rate.  It’s a great way to build your nest egg!

*APR is the Annual Percentage Rate.

USE OUR ONLINE CALCULATOR