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e*branch Login


Consumer Loans

For quick loan turnaround on our low fixed rate Mastercards or any of our loan products, apply online. Not already an e*branch user?  Simply sign up now. Then you can enjoy the ease and convenience of our online loan services including:           

  • Online loan applications
  • Loan calculator
  • Loan status updates

When it comes to borrowing, we offer more than just low rates...

  • Simple Interest: We use a simple interest calculation based on the declining principal balance. Your interest charge is recalculated each month based on your balance. As time goes on, more of your payment goes to pay back the principal and less to interest.
  • No penalty for prepayment: We do not penalize you for prepayments or early pay-offs (except for certain conditions with a Home Equity Loan). You can make your payments as scheduled or choose to pay more at any time. Other lenders commonly have hidden penalties.
  • Convenient Payroll Deduction: You don't have to be concerned with making loan payments. With payroll deduction, your payments are automatically made for you.
  • Payment Asset Protection with credit life and disability insurance, GAP (Guaranteed Auto Protection) insurance and VSA (Vehicle Service Agreement) is available at low costs to our members.

University Credit Union is committed to being a convenient, low cost loan source for our members. There are a lot of reasons you may need some extra money, and we have a lot of different loans to meet those needs. If you have questions about borrowing, see the people who care about you at University Credit Union.

New or Used Automobile Loan

We offer financing on a wide range of new and used cars, trucks and SUVs. New cars can be financed with little or no down payment, depending upon credit qualifications. For the ultimate in convenience, apply online or come to the credit union before you begin shopping for your new or used car. You can get pre-approved for your loan, making it easier to shop for your dream car.  Learn more about our great auto rates.

Grad-U-Rate Auto Loan

Special rate for upcoming or recent graduates!  No established credit history required.  You work hard for your degree; now let us help you acquire a new car!  Members must be a graduate of a University Credit Union affiliated university to qualify. 

RV, Boat or Motorcycle Loan

We do our best to make your RV, Boat or Motorcycle purchase an easy, positive experience. Plus, we may save you money! Whatever you choose, we have a loan program to fit your needs.


  • Competitive rates for purchasing a new RV, boat or motorcycle.
  • Comprehensive, low-cost Vehicle Service Agreement, GAP, & credit life and credit disability payment protection plans are available.
  • Easy pre-approval process puts you in better negotiating position
  • Convenient repayment with automatic payments transferred electronically from another University Credit Union account or payroll deduction
  • Generous loan amounts & flexible terms 
  • Financing for up to 100% of NADA Book Value on a new motorhome, boat, trailer or motorcycle.  
  • No pre-payment penalties

Signature Loan - Fixed or Line of Credit 

This loan has many uses - education, vacations, repairs, bill consolidation, major purchases (appliances, computers) and emergencies.  It can be a fixed term with regular monthly payments or it can be a revolving line of credit so that you can continue to borrow up to your limit as you make your payments.

Share (Savings or CD) Secured Loans

By pledging your savings or Certificate of Deposit that you already have in your account, you can obtain the best in loan terms including a lower interest rate. You also have the benefit of keeping your savings intact and continuing to earn the regular dividend rate on your entire savings amount as you make your monthly payments.  When the loan matures, you still have your savings or Certificate of Deposit!

Home Equity Loans and Mortgage Loans

Let your home work for you! With a Home Equity Loan you'll have cash available for home improvements, educational expenses, bill consolidation... the choices are unlimited.  These can be fixed for terms or it can be a line of credit available when you need it.  The choice is yours. Apply now!

Loan Protection Services

Let us show you how to protect your loan investment.  Ask us how we can save you time and money on GAP Insurance, Mechanical Breakdown Protection and Payment Protection Credit Insurance. 


Copyright © 2020 University Credit Union  13241 S.W. 136 St, Miami, FL 33186