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Loans

NEW & USED AUTO

Finance your new or new-to-you vehicle with our great auto rates. Motorcycles, boats and RVs are financed with different rates and terms, so be sure to view our rates for more information. However, if you need a longer term, just ask us what we can do for you!

Get used vehicle pricing information from NADA.

Calculate how much you’ll save if you refinance your auto loan with UNITE!

Contact us with questions, or apply conveniently online today!

RECREATIONAL VEHICLES

Our recreational vehicle loans cater to enthusiasts seeking the freedom of the open road! Whether it’s a sleek motorhome, a cozy camper, or a rugged off-road trailer, our competitive interest rates and flexible repayment plans make the dream of owning a recreational vehicle a possibility! Unleash the thrill of exploration and make memories that last a lifetime with our recreational vehicle loans.

Contact us with questions, or apply conveniently online today!

 

CROSS-COLLATERALIZED LOAN

Cross-Collateralized Loans are those that use collateral from any other UNITE Credit Union loan as security. Use a Cross-Collateralized Loan to pay bills, take a special vacation or anything else for which you’d use a Signature or Personal loan. View our rates.

Contact us for details, or apply conveniently online today!

RAPID CASH LOAN

When you need cash quickly, don’t rack-up high rate debt on a credit card or payday lender! Apply for a Rapid Cash Loan from UNITE. There are no credit checks, and eligible members can borrow up to $1,000 for 6 months at our competitive interest rate.

Eligibility:

  • Six months of membership with accounts in good standing
  • UNITE checking account and direct deposit
  • Upfront $30 application fee

 

CONSUMER LOAN

Consumer Loans are secured by products like lawn mowers or personal computers as well as recreational vehicles, such as pop-up campers, snow mobiles, travel trailers, or ATVs. In addition to Consumer Loans, we offer Recreational Vehicle Loans. Contact us for details, or apply conveniently online today!

HOME EQUITY

You Could Have CA$H Sitting in Your Home!

If you’re a homeowner and have been making payments on your home for 5 years or more, you likely have a pile of equity waiting to be used! With a Home Equity Loan from UNITE Credit Union, you can borrow that equity to finance just about any project or purpose.

  • Consolidate bills
  • Finance home improvement projects
  • Pay for an upcoming special event
  • Take a family vacation
  • Build a new deck
  • Pay for college expenses

In addition to the low interest rate and ease of application, members also may be able to take advantage of the tax benefits of this type of program. Please consult your tax consultant to determine the advantages that you may be eligible to receive.

Contact us for details, or apply online today!

*APR = Annual Percentage Rate. Rate may vary based on credit score, type of loan and term, and is subject to change. Must be or become UNITE Credit Union member to obtain loan. All loans subject to approval and based on credit. Home Equity Loans are available on owner-occupied dwellings located within the credit union’s charter. Proof of homeowners’ insurance required. Member will pay title search, flood search, recording fee and property valuation when applicable.

FIRST MORTGAGE LOAN

UNITE Credit Union partners with Premier Lending Alliance to provide members with access to First Mortgage* loans. You can expect:

  • Conventional Mortgage Options
  • Competitive Rates & Fees
  • FHA
  • VA
  • 15 & 30 Year Terms Available

 

Whether you want to purchase or refinance a mortgage loan, or wish to be pre-approved before you shop, simply contact us for more information, or complete a secure loan application now!

*Rates subject to change at any time. UNITE Credit Union is not responsible for typographical errors or omissions. Credit history, occupancy and LTV can result in change to interest rate. Some loans require minimum credit score. All loans are subject to approval.

LOAN SKIP-A-PAYMENT

Skip your UNITE loan payments one month each year!

Click on the “Apply Now!” button to request to skip ALL or SOME of your non-real estate UNITE loan payments one month each year… whenever it’s most convenient for you!

If you have any questions, please contact us.

 

RELATIONSHIP LENDING DISCOUNT

Posted Relationship Discounts reflect at least a 0.25% rate reduction, based on your credit score and other factors. To qualify, you must have a minimum of three of the following with UNITE Credit Union:

  • GAP or Warranty Coverage
  • Debt Protection
  • eStatements
  • MasterCard
  • Active Share Draft Account
  • Direct Deposit of Payroll- minimum of $200
  • Auto Payment of Loan Payments

All loans are subject to credit approval. Rates, terms and conditions are subject to change without notice. Some restrictions apply.

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