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Lending

Whether you are looking to finance a new home, a new vehicle, or a much needed vacation, United Churches Credit Union has a loan product designed for you.

Mortgage Loans

Home Equity

Choose from an open line of credit with a variable interest rate which adjusts monthly or our closed end fixed rate loan with a term up to 120 months. Maximum allowed is 90% of SEV (State Equalized Value) or a current certified Appraisal Minus any outstanding first mortgage balance. Rates and terms are available upon request. Certain restrictions apply.

Home Improvement Loans

Terms up to 120 months. Rates vary depending on term of loan.

Mortgages

Offered through our Mortgage Center. They can be reached at 1-888-562-6865, or you can check out their web site.

Vehicle Loans

New or Used Automobiles

Up to 100% financing of price or blue book retail value, with terms up to 84 months. Interest rate may vary depending on term of loan. Pre-approval is available.

New or Used Motorcycles

20% down payment required with terms up to 60 months

New or Used Boats

10% down payment required, with terms up to 120 months.

Camper and Motor Home

10% down payment required, with terms up to 120 months.

Personal Recreation Vehicle Loans

Includes snowmobiles, jetskis, and 4 wheelers. Terms up to 48 months. Requires a 20% down payment.

Antique, Classic and Exotic Vehicles

Terms up to 120 months. 10% down payment required. Value of vehicle must be at least $50,000.00.

Personal Loans and Credit Card

Savings Secured

Up to 90% of the available balance in share account, with terms up to 60 months. Rates vary depending on type of share used. For further information please contact your local branch.

Personal/Signature

Up to $8,000, upon qualification, with terms up to 48 months. Rates vary depending on the term of loan.

Revolving Line Of Credit

Advances can be made at the credit union office or by check. Payments are calculated at $30.00 per $1,000.00 of outstanding balance.

VISA Classic Credit Card

Up to $8,000, upon qualification, with fixed interest rate, no annual fee, and 25 day grace period on purchases.

PayDay Bridge Loan

Up to $500, upon qualification, $50 annual fee, 30 day repayment period.

Credit Builder Loan

Up to $500, upon qualification, 12 month repayment term

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NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act