a members only credit union
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, 2023. Rates are subject to change without notice.
RATE TERM AMOUNT
Unsecured Signature Loan
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.
New Appliances, Home Entertainment & Computer
(Good credit/poor credit)
4.25% - 18.50% (up to $25,999) 48 Months *call for details
4.25% - 18.50% ($25,999 & up 48Months *call for details
(Poor 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. 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.
NEW Qwickcash Savings Loan
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See if you qualify for a loan.
Click on the application, 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 unsecured loan.