Auto Loans

Whether you are in the market for a new or used vehicle, UPSEFCU provides auto loans at competitive low rates to put more money back into your pocket. Get pre-approved for your future auto loan and drive away in the car of your dreams today. Start shopping for your vehicle through Auto Expert, our easy and convenient Auto Buying Service.

  • Our Loan Department will work with you to stay within your budget

  • Offer used and new vehicle loans to stay within your budget 

  • Our competitive rates save you money long-term to keep more money in your pocket short-term

Auto Buying Service

Forget the hassle and haggling of a dealer when purchasing a new or used vehicle. Use Auto Expert, our Auto Buying Service, who will help hunt down the car you want and deliver it right to your door or to the credit union. Auto Expert will save you time and money as they deal with the dealerships, DMV documents, and other details for you. They save you money through their volume discount pricing. Choose Auto Expert to help you find the car of your dreams today.

  • Pre-approval for a UPSEFCU auto loan is your quick and simple first step 

  • Search a huge inventory of new and used cars and trucks through Auto Expert

If you need to research your options, check out Kelley Blue Book and Car and Driver's Buyer's Guide

Personal Loans

When you need a loan for any and every purpose, trust UPSEFCU to provide you with a personal loan at a competitive rate to put more money in your pocket. This loan can be used to purchase just about anything like computers, appliances, furniture, or almost any personal item. It can even help you consolidate your debt into one convenient monthly payment. Apply today for a personal loan to help you stay on budget.

  • Our Loan Department will work with you to stay within your budget

  • Borrow from a credit union that cares about your financial well-being  

  • Our competitive rates save you money long-term to keep more money in your pocket short-term

Visa® Credit Cards

A Visa® credit card from UPSEFCU is the financial tool that will let you take hold of your credit. It will allow for flexible and instant personal spending whether it be on purchases, balance transfers, or cash advances. With a competitive rate, this is the credit card that will allow you to stretch your budget. It's backed by all the features, benefits, and security guarantees from Visa®. Apply today to start having flexibility in your spending at a low rate.

  • As low as 10.50% APR*

  • Transfer your balance from other credit cards for a low 6.99%* rate for the first 6 months

  • Enjoy additional spending power with a credit card you can use worldwide wherever Visa® is accepted

*Annual Percentage Rate

Home Loans

Funding your American Dream begins with a mortgage from UPSEFCU. Whether you are a first-time buyer, upgrading to a new home, or refinancing an existing home loan, we provide mortgages with competitive rates that suit your needs. We have partnered with Right Choice Mortgage to help expand our menu of mortgage options for our members. Give us a call or fill out our easy Quick App to get started today! 

  • 10, 15, 20, and 30-year fixed mortgages

  • 5, 7, and 10-year adjustable rate mortgages as an option for shorter terms with a lower rate

  • First-Time Homebuyer Programs - FHA, VA, Cal/Vet, Conventional 1% and 3% down

  • Cash Out - for debt consolidation, home improvement, or for what you need

  • Mortgages for the self-employed or unconventional income

  • Mortgages after a financial event like BK, Short Sale, or Foreclosure

  • Reverse mortgages for our members over 62 years of age

  • Call us now at (833) 579-0716 or just click Apply Now