QWICKCASH

Was created as an emergency loan for members who NEED the money, but have limited access to financing. Instead of reviewing a credit rating or debt level, a person's relationship with USTCU will be reviewed as well as job longevity. This loan program does require direct deposit into your USTCU account. In reference to direct deposit, we require at least 60% of your gross paycheck to be electronically deposited.

 

APPLIANCE LOANS

If you need a new Appliance, call us today! We have an unbeatable low rate and great terms. Call one of our Loan Officers today!

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HOME & GARDEN LOANS

So you found the lawn equipment of your dreams, but you need a loan to make it yours? No problem! We've got great financing programs available for virtually all makes and models.

 

HOME ENTERTAINMENT LOANS

Do you need a new television or computer, call us today! We've got great financing programs available, call for details.

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LOAN RATES

Rates as of January 1, 2023. Rates are subject to change without notice.

 

RATE                                                                  TERM                                      AMOUNT                                                              

Unsecured Signature Loan

(Good credit)

10.50% - 15.40%                                                    6 Months                             Up to $300

10.50% - 15.40%                                                   12 Months                             $300 - $750

10.50% - 15.40%                                                   18 Months                             $751 - $1500

10.50% - 15.40%                                                   24 Months                             $1501 - $2999

10.50% - 15.40%                                                   36 Months                             $3000 - $4999

10.50% - 15.40%                                                   48 Months                             $5000 +

 

Eligibility: Fico score must be above a 600. Loan amount based on length of employment. One Year Employment $300. Two Years of Employment $500. Three and Four Years of Employment 2 weeks of hourly base rate. Five Years and Over of Employment 4 weeks of hourly base rate. 

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New Appliances, Home Entertainment & Computer

(Good credit/poor credit)

4.25% - 18.00%   (up to $25,999)                   48 Months                             *call for details

4.25% - 18.00%   ($25,999 & up                     48Months                            *call for details

 

Longevity/QWIKCASH Loan

(Poor credit - NO PROBLEM!)

18%                                                                 6 Months                                   $300 -$500

18%                                                                 9 Months                                   $501 - $1000

18%                                                                12 Months                                  $1001 - $1,500

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* Loan amount based on length of employment 

One Year Employment $300. Two Years of Employment $500. Three and Four Years of Employment 2 weeks of hourly base rate. Five Years and Over of Employment 4 weeks of hourly base rate. THE HIGH CREDIT CAN NOT EXCEED $1500

 

Savings and Certificate rates are subject to change. Please contact the credit union for today's rates.

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NEW Qwickcash Savings Loan

Read More >

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