Lately, the process of trying to achieve one's dreams with a line of credit has become something of a nightmare. Well, not in our backyard. Because we're a locally run institution and not a big national bank, we never dove into that pool of toxic assets or stooped to the level of sub-prime mortgages. If something seems too good to be true, it probably is. That's why you'll find all of our loan offerings easy to understand and very reasonable. The last thing we want is for you to get in over your head. We know we sure don't.
When you bundle your accounts together you're automatically enrolled in our C.A.R.E. Package. So you'll get an even better deal, like interest reductions on car and computer loans. To learn more click here.
Student Loans.
Whether you are going off to your first year of college or returning to campus, chances are we've got a student loan program to help meet your needs. We can help you through the process of applying for your Stafford or Plus loans by visiting our partner website, www.mygreatlakes.com. We even offer student loans to help bridge the gap that is left after your scholarships and Stafford/Plus loans have been finalized. Click here to learn more.
Convenience Loan Program.
Our Convenience Loan Program provides you with a simple, convenient way to get the money you need when you need it. Once you've signed up for this program, the next time you need a loan, just call in the request. We'll then put the funds into your account or send a check if needed*. That's it. No need to come in for paperwork. Simply put, less paperwork and less time equals more convenience.
COMMON QUESTIONS
Q: Can I/we have two different programs under one membership?
A: The Convenience Loan Program can be either a single or Joint plan. Even if you have a joint membership, you may select to have a single program. If you'd like two separate programs, multiple memberships will be needed.
Q: How do I request a future advance?
A: You can contact the credit union in person, by phone, or electronically to request a loan advance.
Q: Do we both need to contact the credit union if we'd like an advance on our joint program?
A: No, when a joint program is signed, both parties acknowledge that either is authorized to take an advance without notification of the other. We will require current and accurate information for both joint owners.
Q: Does the Convenience Loan Program ever expire?
A: No, the program never expires; however, it can be terminated by the credit union or either party on the program or superseded by a newly signed program.
Q: If I opt out of loan protection products when initiating the Convenience Loan Program, can I have them on future advances?
A: If you opted out of loan protection products when the program was initiated, but later wanted it on a future advance, separate paperwork would be completed. However, if you opted into the above products when the program was initiated, but did not want the above products, a simple form is completed to exclude those products from subsequent advances.
To find out more or to apply stop by your local branch or call our Member Service Center toll-free at 888-982-1400 today.
Auto Financing.
Looking to purchase a new or used car? We can help. With an auto loan from UFCU, you'll pay no processing fees and save on interest expenses with our low rates.
- Select up to 84 months*
- Choose between fixed and variable rates
- Borrow up to 125% of the vehicle's value*
- Finance through United Federal Credit Union right at your dealership
- Click here for rates
Need help finding the right vehicle? Click here and we'll get you moving in the right direction.
Fast and Easy Applications.
We know your time is valuable, that's why our application process is fast and convenient.
- You can be approved with one easy phone call (Monday through Friday 8:00 am to 8:00 p.m. and from 9:00 am to 1:00 p.m. on Saturday EST). Call our Call Center toll-free at 888-982-1400.
- You can also apply any time of the day or night with TARA, our 24 Hour Telephone Teller (1-888-982-4737).
- Just log-on to PowerLink and click the Loans Icon on top!
- Visit one of our branch offices and meet with one of our friendly Member Service Advisors.
WHAT COULD BE BETTER THAN 0%?
Here is an example of how the credit union can help you beat 0% Financing.
| Manufacturer Financing | Credit Union Financing | |
| Car Price | $25,000 | $25,000 |
| Manufacturer Rebate | Not available with 0% | $3,000 |
| Amount Financed | $25,000 | $22,000 |
| Annual Percentage Rate | 0% | 5.5% |
| Monthly Payment (49mo.) | $520.83 | $520.83 |
| Total Payment | $25,000 | $24,558.72 |
*Some restrictions may apply.
Get Pre-approved financing. Click here for On-Line Loan application. Earn a 0.25% rate discount on selected consumer loans when you make loan payments the easy, convenient way with automatic payments from a United Federal Credit Union deposit account.
Personal Loans.
Low-cost financing is available for computers and other personal needs.
PowerLine (Line of Credit)
Be your own loan officer and write yourself a loan for whatever you want, whenever you need it. Plus, you protect yourself against checking overdrafts and fees associated with them. Complete one simple application and establish this pre-approved credit limit.
Low-Cost Credit Protection.
If you find yourself disabled your payments will be covered, allowing you to rest easy. Life insurance programs are also available. Ask for details on these low-cost options.
Fast and Easy Applications
We know your time is valuable, that's why our application process is fast and convenient.
- You can be approved with one easy phone call (Monday through Friday 8:00 am to 8:00 p.m. and from 9:00 am to 1:00 p.m. on Saturday EST).
- You can also apply any time of the day or night with TARA - your 24-Hour Telephone Teller (1-888-982-4737).
- Click here for on-line loan application
- Visit one of our branch offices and meet with one of our friendly representatives.
Home Mortgages.
So, it's that time, huh? Congrats. UFCU has first mortgage financing available for purchasing a new home, a second home, a 1-4 family residential income property or refinancing an existing mortgage. We offer adjustable and fixed rates with various terms to fit your needs. Our experienced mortgage staff will help you every step of the way to make this as smooth as possible. After all, that's exactly what it should be. Click here
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