For a brochure detailing all of our financing options, click here

Home Equity Loans

Fixed-Rate Home Equity Loans
For the ultimate in flexibility, we also offer home improvement and second mortgage loans. No matter what your needs, these loans offer affordable, fixed rates and convenient repayment terms.

• Borrow up to 100% of your home’s assessed value, less any outstanding mortgages, up
  to $100,000
• Closed-end loan featuring flexible terms and competitive rates
• No points and no closing costs (if no appraisal needed)
• Use money for almost any purpose
• Interest may be tax deductible (consult your tax advisor)

Home Equity Line of Credit Loans
A Home Equity Line of Credit is the ideal way to use the equity you’ve built up in your home for a variety of purposes. You can use the money to make home improvements, pay off high-interest credit cards, help out with college tuition, take a dream vacation or cover whatever unexpected emergencies come your way!

• Borrow up to 100% of your home’s assessed value, less any outstanding mortgages, up
  to $100,000
• Take up to 10 years to repay the loan
• No points and no closing costs (if no appraisal needed)
• Interest may be tax deductible (consult your tax advisor)

Vehicle Loans

New and Used Auto Loans
United Consumers offers great rates as well as flexible repayment terms on all new and used auto loans. Benefits include:

• Financing of up to 120% of the cost of your vehicle for up to 84 months
• Being eligible for any available manufacturer’s rebates
• Simple interest that is sure to save you money for years to come
• No hidden fees
• No prepayment penalties
• Low-cost GAP insurance
• Low-cost credit life and disability insurances
• Low-cost extended warranty protection
• And, a fast, easy and convenient loan approval process!

For the ultimate in convenience, be sure to get your loan pre-approved before you shop. You’ll enjoy stronger negotiating power with the dealer and save time and money.

Boat, RV and Motorcycle Loans
Enjoy an active lifestyle with a low-cost boat, RV or motorcycle loan from UCCU. You will enjoy:

• Great low rates with terms up to 120 months
• Up to 120% financing of the purchase price on new boats, RVs and motorcycles
• No hidden fees
• No prepayment penalties
• A simple and convenient loan process

cuAuto1 Loans
Developed exclusively for young members, this auto loan program makes financing that first car or truck easy and convenient. Credit union members ages 16-22 can borrow up to 100% of the vehicle’s value, and enjoy terms of up to 60 months. No credit history is required for cuAuto1 Loans, and UCCU offers low down-payment requirements as well as discounted GAP insurance coverage. A personal credit advisor will tailor each loan to ensure affordable payments. These loans are a great way for young members to build their credit from behind the driving wheel!

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Special Auto Loan Programs

Enterprise Car Sales
For the best deal on a pre-owned vehicle, we are pleased to offer Enterprise Car Sales. Enterprise features both special “Members Only” Car Sales, as well as everyday low prices at its area locations.

CU Lending Systems
You can also get UCCU financing right at the dealership through our CU Lending Systems network. Visit www.culendingsystems.com for a list of dealers.

Signature Loans

Use these funds when you need quick, extra cash, or for a variety of personal needs. Qualified borrowers need no collateral; just a signature is required. And you have up to 60 months to repay your loan.

Share Pledge Loans
A share-secured loan uses your shares in the credit union as “collateral.” It’s the easy way to keep your money in your share account earning interest while you are using the funds from the loan.

Lines Of Credit
There whenever you need extra funds, our Lines of Credit feature generous credit limits, low interest rates, and flexible draws for the ultimate in convenience. Plus, with a quick application process, you can secure the money you need without extra wait or hassle.

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