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.
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!
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.
Rates as of January 1, 2020. Rates are subject to change without notice.
RATE TERM AMOUNT
Unsecured Signature Loan
8.50% - 10% 6 Months Up to $300
8.50% - 10% 12 Months $300 - $750
8.50% - 10% 18 Months $751 - $1500
8.50% - 10% 24 Months $1501 - $2999
8.50% - 14.90% 36 Months $3000 - $4999
8.50% - 12.90% 48 Months $5000 +
New Appliances, Home Entertainment & Computer
2.50% - 18.00% 6 Months (up to $25,999)
2.50% - 18.00% 6 Months ($25,999 & Up)
6.00% 12 Months *call for details
(BAD CREDIT - NO PROBLEM!)
21% 6 Months $300 -$500
18% 9 Months $501 - $1000
18% 12 Months $1001 - $1,500
* Loan amount based on length of employment
One Year Employment $300.00
Two Years of Employment $500.00
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.
See if you qualify, fill out this then fax or email it over with your most recent paycheck stub.
You must be on your job for at least 12 months to apply for a secured loan.