Make things simpler with one easy monthly payment. Plus, get our Lowest Loan Rates in the Nation Guarantee!*

 

If you're juggling multiple payments on loans and credit cards each month, there's an easier way to pay off your debt and avoid multiple interest rates that cost you money. We can help you by combining all of your debts into one new loan, saving you time, so that you are only making one monthly payment. 

 

Apply Now

 

Competitive, fixed rate

Take control of your finances and save without having to pay multiple interest rates with one low, fixed rate.

 

Online application

Complete the whole process anytime, anywhere.

 

Exceptional member service

Our team is here to help you meet your financial goals.

 

 

24/7 support

Our virtual assistant, Royce, is here to help you get your questions answered quickly.

Consolidation Loans Features

Apply Now

What are consolidation loans for?

  • Paying off credit card balances

  • Combining multiple debts

  • Saving with low, fixed rates

  • Paying off credit card balances

  • Combining multiple debts

  • Saving with low, fixed rates

  • Paying off credit card balances

  • Combining multiple debts

  • Saving with low, fixed rates

 

 

Getting started is easier than you might think

You can complete the whole loan process anytime, anywhere!

 

 

Get Started

 

"UCU has been fantastic in every possible way. The staff are friendly and extremely helpful as I have opened joint checking and savings accounts, as well as applied for two car loans. I was able to work with the same person each time I required service within the branch. This really reduced the stress associated with applying for loans and opening new accounts."

★★★★★

- Angela M.

Consolidation Loan FAQs

Does UCU offer any additional resources, products, or services to help with debt?

Yes, we offer our members a range of resources to help them manage or get out of debt, including:

What do I need to do if I am not a UCU member and want to apply for a loan?
What are some benefits of UCU membership?
What tools are available to help me manage and make payments on my loan?
What other loans are available to UCU members?

Helpful resources to boost your finances

Calculators

The more you know, the better prepared you are to make great choices for you and your family. Crunch the numbers for monthly budgets, student loans, retirement, and more.

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Learning Center

Access dynamic and interactive tools on your laptop or mobile device, 24/7. Gain a wealth of knowledge on subjects such as 529 plans and college financing, mortgages, and estate planning.

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UCU Blogs

Read an array of engaging articles so you can master topics from HELOCs to loans, credit scores, and credit cards. Search for your favorite categories and get links to take your next steps.

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