Stretch your hard-earned dollars and increase your purchasing power with our competitive rates and flexible repayment terms.Call UVCCU when you need to borrow money. Our loan specialists will help you choose the best solution for all your borrowing needs.

A variety of loan products are available to members. For details, click on the type of loan in which you are interested:

• Auto Loans
• Motor Homes, Camper and Boats
• Motorcycles, Snowmobiles and ATV's
• Share Secured Loans
• Student Loans
• Real Estate Loans
• Unsecured Loans
• Visa Credit Cards

NEW AND USED AUTOMOBILE LOANS

When you're in the market for a new or used car, truck, van or SUV, call your credit union first. Or, if you would like to lower your monthly payments, you can refinance your vehicle loan from another institution to a low rate UVCCU loan!

* Rates listed are base rates, assuming approved credit, and are subject to change based upon individual creditworthiness and UVCCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant credit history and other underwriting factors.

** Annual Percentage Rate (A.P.R.) is based on a loan amount of $10,000.00 plus a $50.00 processing fee and a $25.00 fee for Vendor Single Interest (VSI) Insurance. VSI Insurance is required on all vehicle loans.

MOTOR HOMES, CAMPERS, BOATS, MOTORCYCLES, SNOWMOBILES AND ATV's

Finance your next motor home, camper or boat with a loan from UVCCU. Our low rates and flexible terms will help make your leisure time more affordable!

MOTORCYCLES, SNOWMOBILES, ATV'S

* Rates listed are base rates, assuming approved credit, and are subject to change based upon individual creditworthiness and UVCCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant credit history and other underwriting factors.

** Annual Percentage Rate (A.P.R.) is based on a loan amount of $10,000.00 plus a $50.00 processing fee and a $25.00 fee for Vendor Single Interest (VSI) Insurance. VSI Insurance is required on all vehicle loans.

REAL ESTATE LOANS

Home Equity Loans

UVCCU offers great rates and fast, efficient service! Pay off those high credit cards, fund college, consolidate debt, purchase your next automobile or make home improvements! Home Equity Loans from UVCCU use the equity in your home as collateral and can be used for a variety of purposes.The fixed rate and term guarantees that your payment will remain the same for the entire term of the loan. Fees are kept to a minimum with only a $50.00 application fee due with the completed application and a loan processing fee of 1% of the loan balance is charged at closing in addition to pass through costs for legal and title work, appraisals or other specific loan issues.

15 year Home Equity Loans also available as a 5/1 ARM product. Please call for details.

* Rates listed are base rates, assuming approved credit, and are subject to change based upon individual creditworthiness and UVCCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant credit history and other underwriting factors.

** Annual Percentage Rate (A.P.R.) is based on a loan amount of $50,000 including a $100.00 application fee and a 1% processing fee and flood certification fees.

Home Loans

UVCCU maintains several relationships with respected mortgage lenders to help find the right loan to meet your needs. Most importantly, members work with our own trusted lending personnel to find the right home loan product. Our lending personnel are here to ensure your financial success. Unlike mortgage brokers, they are not paid commissions and have your best interest in mind. A myriad of programs are available through these special relationships:

• Fixed and Variable Rates
• First Time Home Buyers
• Stated Income
• Non-Conforming (Jumbo) Loans
• Single Family and 1-4 Unit properties
• No Down Payment - Low Down Payment
• Credit Repair and Credit Comeback Loans

Call or email us today to finance your next home loan!

Portfolio Home Loans

UVCCU also offers adjustable rate mortgage portfolio loans. These loans are typically made for those situations where a variable rate product makes sense, or for home loans that for whatever reason do not qualify in the secondary market. These loans are serviced in house - meaning, the loans are not sold on the secondary market and you will always be able to make your payments and get answers from your credit union. Current adjustable rates are listed below. Please keep in mind that we can also tailor a home loan product to suit your needs.

* Rates listed are base rates, assuming approved credit, and are subject to change based upon individual creditworthiness and UVCCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant credit history and other underwriting factors.

*Annual Percentage Rate (A.P.R.) is based on a $100,000 loan amount including points where indicated and flood certification fees. Many other program options are available. Rates shown are subject to change at any time without notice. Please call for our current real estate rates.

Construction Loans

This traditional contruction loan allows a homeowner up to one year to complete the home before refinancing. Payments are interest only and are based on the balance outstanding.

* Rates listed are base rates, assuming approved credit, and are subject to change based upon individual creditworthiness and UVCCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant credit history and other underwriting factors.

** Annual Percentage Rate (A.P.R.) is based on a $100,000 loan amount including a 1% loan processing fee and flood certification fees.

Land Loans

Whether you anticipate building in the near future or somewhere down the road, UVCCU offers land loans that fit your cash flow needs.

* Rates listed are base rates, assuming approved credit, and are subject to change based upon individual creditworthiness and UVCCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant credit history and other underwriting factors.

**Annual Percentage Rate (A.P.R) is based on a $100,000 loan amount including a .50% processing fee and flood certification fees.

MOBILE HOME LOANS

UVCCU offers financing for mobile homes whether on their own land or in approved parks to qualified borrowers. These are variable rate loans and the rate offered is based upon the applicant's credit history. With your qualified credit, we can help save you money compared to rates offered by other manufactured housing lenders. Stop by and see us today!

Mobile Home Loans require payroll direct deposit into a UVCCU checking account with automatic payment.

* Rates listed are base rates, assuming approved credit, and are subject to change based upon individual creditworthiness and UVCCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant credit history and other underwriting factors.

**Annual Percentage Rate (A.P.R.) is based on a $100,000 loan amount including points where indicated and flood certification fees. Many other program options are available. Rates shown are subject to change at any time without notice. Please call for our current real estate rates.

SHARE SECURED LOANS

These loans are available at a low annual percentage rate. In order to take advantage of a secured loan, you must pledge corresponding funds in your in a Certificate of Deposit at the credit union. The rate on secured loans is just 3% above the Certificate or Share Savings rate securing the loan. Secured loans are a great way to improve your credit or to borrow at a great rate!

STUDENT LOANS

We can help provide you with the information and forms you need to apply for educational funding through SallieMae, the nation's leading company in education finance. Ask a Loan Officer for details.

. SIGNATURE (UNSECURED) LOANS

Financing is available to borrowers with approved credit for personal loans such as small home improvements, vacations, medical expenses and a variety of other personal expenses.

* Rates listed are base rates, assuming approved credit, and are subject to change based upon individual creditworthiness and UVCCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant credit history and other underwriting factors.

VISA CREDIT CARDS

UVCCU offers a variety of VISA Credit Cards for consumers and business. Most cards carry no annual fees as long as the card is used once per year. Plus, the cards have a 0 % Introductory APR rate for the first 6 months. Call us at (603) 448-4424 or click below for more information and to apply online!