Make things simpler with one easy monthly payment. Plus, get our Best 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.
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 Loan Features
| Best For |
People who want to become debt-free and focus on financial goals like purchasing a house
|
| Features |
|
| Interest Rate |
As low as 8.25% APR
|
| Terms |
Up to 60 months
|
Members have also saved with:
What are consolidation loans for?
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Paying off credit card balances
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Combining multiple debts
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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!
| Step1 |
Fill out our easy online application.
|
| Step2 |
UCU reviews your application.
|
| Step3 |
Once approved, you'll get your funds upfront!
|
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
Yes, we offer our members a range of resources to help them manage or get out of debt, including:
To apply for a consolidation loan, you must be a UCU member. Once you’ve determined eligibility, joining is easy. All you have to do is complete an online membership application and deposit a minimum of $5 into your Regular (Share) Savings Account.
In addition to the savings that come with belonging to a member-owned nonprofit financial institution, members also have the potential to earn up to 5.00% APY3 with a University Checking account.
Additionally, we are able to offer personalized, comprehensive member service.
With UCU, debt management and loan payments have never been easier. Here are some of the resources available to you to help you with your consolidation loan:
With these and other tools, you can schedule automatic payments, review your balance, transfer money between accounts and make convenient payments from anywhere.
In addition to our debt consolidation loans, we also offer home and auto loans, personal lines of credit, and student loans.
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
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UCU Blogs
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