Loans with UCU bring more benefits.


University Credit Union offers low-interest loans for every purpose and stage of your life. We'll work with you to secure a great rate and the best term so you can easily afford your payments. Our full suite of finance options includes personal loans, student loans, auto loans, mortgages, and credit cards. Plus, we've streamlined our application process so you can apply for any loan online.


With a loan from UCU, you have the potential to earn up to 5.00% APY*

Get our Best Rates in the Nation Guarantee1

We are the only financial institution nationwide to guarantee that our rates on auto loans, credit cards, consumer loans, and HELOCs are ALL within the top 5% lowest nationwide.


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Competitive Rates

We pass on savings to our members in the form of lower rates.

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Online Application

Once you're a member, simply apply online.

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Flexible Terms

You can choose the loan term that best suits your budget.


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Easy Process

Apply easily to get the financing you need.

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Mobile and Online Banking

Use your preferred device to manage your account and make payments.

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24/7 Support

Chat with our virtual assistant, Royce, or contact the team during business hours.

Choose a UCU loan if

  • You meet UCU’s membership criteria

  • You want competitive rates

  • You want fewer fees

  • You want flexible loan terms

  • You meet UCU’s membership criteria

  • You want competitive rates

  • You want fewer fees

  • You want flexible loan terms

  • You meet UCU’s membership criteria

  • You want competitive rates

  • You want fewer fees

  • You want flexible loan terms

A happy family stands in front of their new home bought with a credit union loan.

Home Loans

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

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.

Two young women drive a convertible bought with a credit union loan.

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Other Loans

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

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.