Consumer Loans / Visa
Product Information
- Auto and Motorcycle Loans
- Personal Loans
- Lines of Credit
- Share Secured Loans
- Certificate Secured Loans
- VISA Credit Cards
- Real Estate/Home Loans
Click below to visit our Auto Purchasing Partners:
Auto and Motorcycle Loans
Please click here for valuable information on insurance protection plans for your vehicle
4% for 4 Years
If you’ve been looking for a new set of wheels, this may be just what you’ve been waiting for. New, used or refinancing from another lender, it’s 4% for qualifying borrowers. Apply today! And, for loans over $10,000 we’ll throw in a FREE hotel vacation voucher.
New Vehicles
Finance up to 100% of the purchase price, including taxes, license and UHCU insurance protection. A variety of terms will help find a payment plan to comfort you. Competitive rates and a 7-year term available for loans over $20,000 round out this popular program.
- click here for current rates -
Used Vehicles
Private party and dealership purchases qualify, with the ability to finance up to 100% of the quoted High Blue Book value, plus tax, license, and UHCU insurance protection. Again, flexible terms result in comfortable monthly payments. Look to lower your existing interest rates or monthly payments by refinancing your existing bank or dealer financed or leased vehicles.
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Save Money on a New Vehicle and Invest in America!
Credit unions have partnered with GM and Chrysler to help members save money on a new car or truck.
Save even more when you finance through UHCU. Click here to learn more about Invest in America.
Click here to get preapproved.
Personal Loans
Borrow up to $15,000 — no collateral is required. Pay for a vacation, college expenses, or consolidate those high-rate credit cards into a low-rate, stable monthly payment.
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UHCU Fast P.A.C.E. (Payday Alternative Clear & Easy) Loan
Easy to obtain UHCU Fast Pace Loan requirements:
- Membership in good standing opened a minimum of three months.
- No current or previous workout loans or loan extensions granted.
- Current employer minimum six months.
- Must provide proof of hire date, and proof of income.
Only one payday loan per member at any given time. Maximum of three payday loans within a six month period. Existing payday loan must be paid in full before another is granted, no rollover loans honored. Credit report is not required to obtain the UHCU Payday loan.
Loan Amount: $500.00
Loan Term: Six months
Interest Rate: 28% (APR) or 23% (APR) if payments made by payroll deduction
Lines of Credit
A revolving credit line up to $15,000 with a low, fixed interest rate — again, with no collateral required. Continue to borrow against your available credit, as you need, to cover any expenses that come your way.
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Share Secured Loans
Borrow up to 100% of the balance in your UHCU savings account. Low interest rates and a payment term up to 10 years makes this loan program one of the easiest on the monthly budget. The balance in your savings account continues to earn the quoted dividend rate while it is used as security for the loan.
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Certificate Secured Loans
Borrow up to 100% of the balance in a UHCU certificate, which continues to grow and earn the quoted dividend rate. Low interest rates and a payment term of 10 years result in a manageable monthly expense.
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VISA Credit Cards No Annual Fees
For more information on our VISA programs, including important phone numbers and lost or stolen card reporting, please click here.
VISA Classic
A low rate, and credit limits up to $5,000 round out this core credit card product for UHCU. Worldwide acceptance and 24-hour customer service come with the VISA name. Multiple cards are available, making it possible to have an additional signer as a child or family member.
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VISA Gold
Higher credit limits up to $15,000, and a low rate combined with
the VISA Gold name, make this premium card product very popular
at UHCU.
- click here for current rates -
VISA - Share Secured
Had problems in the past or just starting out? Our Share-Secured Visa is a great way to establish or rebuild your credit record.
Simply use your shares at UHCU as collateral. Your credit limit will be determined by how much you pledge, maximum $1500. Use your card, make your payments on time, and you’ll be building a good credit history for us to report. After you’ve demonstrated your financial responsibility, you can apply for a regular card.
VISA-U
Now there is a VISA Credit Card designed especially for our
members ages 21 through 24. A generous and manageable credit line of
$500.00 combined with a low interest rate make this a great product
for a student establishing a credit history.
- click here for current rates -