Auto Loans
UCCU provides low rates and flexible terms on every vehicle loan.
Rates include 0.25% loan discount with Elevated Checking.
Learn more about Elevated Checking
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*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Advertised APR includes 0.25% loan discount with Elevated Checking Account. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.
RV Loans
UCCU RV Buying Experts are at work in every branch, ready to deliver low rates, up to 100% financing, and 180 months (that’s 15 years!) on new and used Recreational Vehicles.
Rates include 0.25% loan discount with Elevated Checking.
Learn more about Elevated Checking
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*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Advertised APR includes 0.25% loan discount with Elevated Checking Account. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.
Motorcycle / Scooter Loans
UCCU provides up to 100% financing and up to 84 months on a new and used motorcycle loan
Rates include 0.25% loan discount with Elevated Checking.
Learn more about Elevated Checking
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*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Advertised APR includes 0.25% loan discount with Elevated Checking Account. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.
Visa Credit Cards
Get the credit you deserve.
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*Annual Percentage Rate=APR. Some restrictions may apply. Offer is subject to change without notice. On approved credit. Membership eligibility required. Federally insured by NCUA.
*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based upon borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA. Click for credit card rate and fee disclosure.
Personal Loans
Referred to as a “signature loan,” a Personal Loan from UCCU requires no collateral or application fees. Check out our Personal Loan Rates.
Rates include 0.25% loan discount with Elevated Checking.
Learn more about Elevated Checking
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*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Advertised APR includes 0.25% loan discount with Elevated Checking Account. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.
Checking Protection
Checking Protection is a line of credit you can link to your checking account to provide the financial coverage you need if your balance is too low to complete a transaction.
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*APR = Annual percentage rate. Fixed 18% APR. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. Federally insured by NCUA.
*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Advertised APR includes 0.25% loan discount with Elevated Checking Account. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.
Home Equity Lines of Credit
Standard Home Equity Lines of Credit
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Initial Fixed Home Equity Lines of Credit
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*Financing is subject to UCCU membership and underwriting criteria. Not every applicant will qualify. Property insurance is required. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior.
Additional Draw period extensions may be approved: Pending underwriting review.
No closing costs and no fee options available: Conditions apply. Appraisal fee will apply if loan amount is greater than $400,000 or if required by the underwriter. If the loan is paid off within 24 months of funding date, reimbursement of all third party fees required. These may include but not limited to title, automated valuation, and insurance fees.
Rate inflation protection: UCCU protects you against drastic rate fluctuations in the market by not allowing your rate to increase more than 0.25% per quarter (3 months) and no more than 6.00% above the non-discounted rate over the life of the loan. The maximum APR that can apply is 18.00% or maximum permitted by law, whichever is less. However, under no circumstances will your APR go below the minimum 4.99% at any time during the term of the plan except when an introductory rate applies. The APR can change monthly on the first day of the month. Minimum home equity line of credit: $10,000.
Up to 90% combined loan-to-value (CLTV): the maximum CLTV up to 90% varies upon borrower’s credit score, requested loan amount, and balances of mortgage (or any superior liens on the property). Rates, terms, and programs are subject to change and without notice. Equal housing lender. NMLS # 407653. Federally insured by NCUA.
Standard Home Equity Disclosure:
*APR = Annual percentage rate. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. Rates as low as 5.99% introductory fixed rate for 6 months, 6.49% variable APR (Prime – 1.01%). For loans greater than 80% LTV (loan-to-value) the variable APR is 7.24% (Prime – 0.26%). Property insurance is required. Interest rate will not vary above 18.00% or below 4.99%. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Limited time offer. Appraisal, title, and insurance fee reimbursement required if paid off and closed within 24 months of funding date. Equal housing lender. NMLS # 407653. Federally insured by NCUA.
Initial Fixed Home Equity Disclosure:
*APR = Annual percentage rate. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. Rates as low as 6.74% variable APR (Prime – 0.76%). For loans greater than 80% LTV (loan-to-value) the variable APR is 7.24% (Prime – 0.26%). Property insurance is required. Interest rate will not vary above 18.00% or below 4.99%. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Limited time offer. Appraisal, title, and insurance fee reimbursement required if paid off and closed within 24 months of funding date. Equal housing lender. NMLS # 407653. Federally insured by NCUA.
Mini Mortgage
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Mortgage Loans
Traditional loans with fixed payments and low rates.
*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Advertised APR includes 0.25% loan discount with Elevated Checking Account. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.
*Payments are based on a $250,000 loan on a $420,000 property in Utah County, UT. If an escrow account is required or requested, your actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums. The values shown assume the loan is for the refinance of a single-family residence that will be used as a primary residence and that the applicant has a credit score of 740 or higher.
Business & Commercial Loan Rates
Business Auto Loans
From buying a single vehicle to building an entire fleet, UCCU’s Business Auto Buying Experts are ready to provide your business with low rates and flexible terms on every business vehicle loan.
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*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Advertised APR includes 0.25% loan discount with Elevated Checking Account. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.
Business Visa Credit Cards
Low rates, cash back, and other advantages to
help support and grow your business.
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*Annual Percentage Rate=APR. APR will not exceed 18.00%. 1% foreign transaction fee.
*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA. Click for business credit card rate and fee disclosure.
Business Checking Protection
Business checking protection line of credit will automatically provide the coverage your business needs to complete a transaction whenever there are insufficient funds in your account.
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*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Advertised APR includes 0.25% loan discount with Elevated Checking Account. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.