Borrow

Home Loans

UCU offers a variety of mortgages to help you buy a home:

• Fixed-Rate Mortgages: Secure the same rate for the life of your loan to make budgeting simple.
• FHA, VA, and USDA Loans: See if you qualify for these special low and no down payment programs.

Mortgage Refinance: Change your loan term or loan type and see if you qualify for a lower rate and payment, or choose to pay off your loan sooner.

Home Equity Line of Credit (HELOC): Get a generous credit line based on your home's equity to pay for ongoing projects and only pay interest on the funds you use.

Home Loan Inquiries: Get in touch with one of our expert mortgage loan originators to learn about the next steps in the home buying process.

Auto Loans

Finance Your Car: Get a new or used auto loan with low rates and terms to suit your budget.

First-Time Auto Buyer Program: UCU can offer you an auto loan even if you have little or no credit history.

Auto Loan Refinance: See if you can lower your rate or get a better term when you refinance your existing auto loan

Finance Your RV, Boat, or Power Toys:  Get a loan to buy any vehicle to suit your lifestyle.

Auto Buying Services: See how our auto buying partners can improve your experience:

• Autoland: Save money and time with expert guidance and tools.
• Enterprise: Get a great deal on a pre-owned vehicle that's only 1 to 3 years old.
• AutoSmart: Use comparison tools to research and find your ideal vehicle.

Other Loans

UCU offers a variety of Credit Cards to suit your goals with competitive annual percentage rates (APR):

• Cash Back Credit Card: Earn unlimited cash back and pay no annual fee.
• Rewards Credit Card: Earn points on purchases and redeem them for merchandise and more.
• University Credit Card: Get a competitive variable rate with easy monthly payments.
• Official Partner Cards: Get a UCU credit card featuring images and colors from your university. 
• University Share Secured Credit Card: Build credit by borrowing against your savings.

Student Loans: Secure funding before you settle on your school with great rates and repayment options. 

Student Loan Refinance: Transfer your student loans and get a single lower monthly payment.

Study Abroad Loans: Get a loan to cover program fees, travel, room, board, and more. 

Consolidation Loans: Transfer your high-interest credit cards and debts into a single, low-interest loan. 

Personal Loans: UCU offers personal loans to cover unexpected expenses and planned costs.

Personal Line of Credit: Use your credit line for ongoing projects including home improvements, or keep your credit to use as an emergency fund.