Loans
Whether you're purchasing a vehicle, consolidating debt, financing a major purchase, or preparing for life's unexpected expenses, UPSEFCU offers a variety of loan options to fit your needs. From Auto Loans, Personal Loans, Lines of Credit, and Credit Cards to Motorcycle, RV, Watercraft, Home, and Share Secured Loans, we provide competitive rates, flexible terms, and personalized service to help you borrow with confidence.
Auto Loans
Whether you're in the market for a new or used vehicle, UPSEFCU offers competitive auto loan rates designed to keep more money in your pocket. Get pre-approved before you shop to enjoy a smoother, more confident car-buying experience and drive away in the car of your dreams today.
Competitive rates on new and used vehicle loans
Flexible financing options tailored to your budget
Pre-approval available to strengthen your buying power
Affordable monthly payments designed to fit your financial goals
Signature Loans
Whether you're covering unexpected expenses, consolidating debt, or making a major purchase, a Personal Loan from UPSEFCU provides the funds you need at a competitive rate while helping you stay within your budget.
Competitive rates designed to save you money
Flexible loan amounts for a variety of personal needs
Debt consolidation options to simplify your monthly payments
Affordable repayment terms tailored to your budget
Borrow from a credit union that cares about your financial well-being
Share Secured Loans
A Share Secured Loan from UPSEFCU allows you to borrow against your savings while keeping your funds on deposit. It's a great way to build or strengthen your credit while maintaining your savings balance.
Competitive rates and flexible repayment terms
Borrow against your savings account balance
Build or improve your credit history
Keep your savings intact while accessing funds
Fast and easy approval process
Motorcycle Loans
Whether you're purchasing your first motorcycle or upgrading to your dream ride, UPSEFCU offers competitive motorcycle loan rates to help you hit the road with confidence. Enjoy flexible financing options and affordable payments designed to fit your budget.
Competitive rates and flexible terms
Finance new or used motorcycles
Affordable monthly payments
Fast and easy application process
Ride with confidence knowing you're financed by a credit union that cares
Motor Home/RV Loans
Hit the road with confidence using a Motor Home or RV Loan from UPSEFCU. Whether you're planning weekend getaways or cross-country adventures, we can help make your dream of RV ownership a reality with competitive rates and flexible financing options.
Competitive rates and flexible terms
Finance new or used motor homes and RVs
Affordable monthly payments to fit your budget
Enjoy the freedom to travel and explore on your schedule
Fast and convenient loan application process
Watercraft Loans
Make waves with a Watercraft Loan from UPSEFCU. Whether you're purchasing a boat, jet ski, or other personal watercraft, we offer competitive financing to help you enjoy more time on the water.
Competitive rates and flexible terms
Finance new or used boats and personal watercraft
Affordable monthly payments
Enjoy your favorite lakes, rivers, and coastal destinations
Fast and convenient loan application process
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
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
Line of Credit Loans
A Line of Credit from UPSEFCU provides flexible access to funds whenever you need them. Whether you're covering unexpected expenses, managing cash flow, or planning a major purchase, you can borrow as needed up to your approved limit and pay interest only on the amount you use.
Competitive rates designed to save you money
Access funds as needed up to your approved credit limit
Pay interest only on the amount you borrow
Ideal for emergencies, unexpected expenses, and ongoing financial needs
Revolving credit that becomes available again as you repay your balance
Payday Loans
Payday Loans from UPSEFCU provides a safe, affordable way to cover unexpected expenses and short-term financial needs. Designed to help members bridge short-term financial gaps, our Payday Loan offers affordable payments and competitive rates to help you stay on track.
Loan amounts from $250-$2,000
Automatic payments from your account/payroll
Access funds quickly for unexpected expenses
Affordable repayment terms
Lower rates than many traditional payday lenders
A responsible borrowing option for short-term financial needs
No credit pull required
Home Loans
Make your dream of homeownership a reality with a Home Loan from UPSEFCU. Whether you're purchasing your first home, upgrading to a new one, or refinancing your current mortgage, we offer competitive financing options to fit your needs. Through our partnership with Right Choice Mortgage, we provide a wide range of mortgage solutions designed to help you achieve your homeownership goals.
10, 15, 20, and 30-year fixed-rate mortgages
5, 7, and 10-year adjustable-rate mortgage options
First-Time Homebuyer Programs, including FHA, VA, CalVet, and low down payment conventional loans
Cash-out refinance options for debt consolidation, home improvements, and other financial needs
Mortgage solutions for self-employed borrowers and those with non-traditional income
Financing options following bankruptcy, short sale, or foreclosure
Reverse mortgages for members age 62 and older
Call Right Choice Mortgage to get started today at (833) 579-0716
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