Holiday closing reminder: UCU locations will be closed Saturday, July 4 for Independence Day.
Cars cost enough. We can help with that.
Drive home with 1% cash back* on your auto loan.
Just like summer, this offer won't last for long.
Available through July 31, 2026 only.
As part of our 75th Anniversary celebration, we are offering you the opportunity to earn 1% cash back when you open a new or used auto loan or refinance your auto loan with UCU.
Benefits of a UCU auto loan.
Ready for your next new or used ride? Or if your current auto loan is putting a strain on your finances, refinancing could be the answer. Apply online now to see how UCU could help you start saving money.
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Loan rate discount of 0.25% APR1 with auto pay
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Loan rate discount of 0.25% APR2 by being a repeat borrower
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Competitive loan rates
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No payments for 90 days3
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Hassle-free online application
Frequently Asked Questions
- How much cash back can I receive?
You’ll receive:
- 1% of your refinanced loan amount
- Up to a maximum of $500
- Is there a minimum loan amount required?
No—there is no minimum loan amount to qualify for the cash back.
- When will I receive my cash back?
Your cash back will be deposited into your UCU savings account within 30 days after your first loan payment.
- Is there a limit to how many loans qualify?
Yes. The offer is limited to one loan per membership.
- When does this promotion end?
This is a limited-time offer valid from June 30 through July 31, 2026.
- How do I get started?
Getting started is easy:
- Apply online, visit a branch, or book an appointment with our team
- We’ll help you open your new loan or refinance your existing loan and start saving
- What if my loan is not yet funded by the promotion end date?
As long as your loan is funded by July 31, 2026, you are eligible for the cash back offer.
- Who is eligible for this offer?
To qualify:
- You must be a UCU member in good standing
- Your existing loans must be current
- If you are refinancing an existing auto loan, the incoming loan must be refinanced from another financial institution
- Does this apply to new auto loans or only refinances?
This promotion applies to new or used UCU auto loans and auto loan refinances from other lenders. It does not apply to existing UCU auto loans.
*University Credit Union is offering a limited‑time promotion that provides 1% cash back on new or used auto loans, up to a maximum of $500. To qualify, members must have accounts in good standing and all loans current, and the offer applies exclusively to new or used auto loans or to refinanced auto loans from other financial institutions. There is no minimum loan amount required, and the cash back—calculated as 1% of the total loan or refinanced amount—is deposited into the member’s savings account within 30 days after the first loan payment has been made. Loans must be funded by July 31, 2026 to be eligible. The promotion is limited to one loan per membership. Members receiving cash back will be issued a 1099 form for tax reporting purposes. This offer is valid from June 30, 2026 to July 31, 2026. Offer subject to change or cancellation without notice. Additional restrictions may apply.
1APR = Annual Percentage Rate. Rate with Automatic Payment from a University Checking Account may be discounted by 0.25% APR as long as the rate does not fall below 4.49%. Credit Cards, HELOCs, and mortgages are excluded.
2Repeat Borrower discount of 0.25% based on minimum 6 months of positive UCU loan repayment history.
3Payment can be deferred for 90 days, however, interest will accrue from the date of the contract. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Rates are subject to change at any time.