Current Loan Rates | Loan Payment Estimator

For quick loan turnaround, or to apply for one of our low fixed-rate MasterCards or any of our loan products, click here to go directly to e*branch now and apply online. Not already an e*branch user? Simply click here to sign up. 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 on your declining 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. You can make your payments as scheduled or choose to pay more at anytime. 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 and may entitle you to a lower rate.
  • Payment Asset Protection with credit life and disability insurance, GAP (Guaranteed Auto Protection) insurance and VSA (Vehicle Service Agreement).

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 car. You can get pre-approved for your loan, making it easier to shop for your dream car.  Click here to learn more about our great auto rates.

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, or refinancing an existing one
  • 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 via another University Credit Union account or payroll deduction
  • Generous loan amounts & flexible terms 
  • Financing for up to 100% of NADA Book Value on new/used automobile, 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), 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.

    Find out more... 

Did You Know?

"...that University Credit Union now offers Mobile Deposit from your smartphone.  Click here to learn more!"