Lending – United Financial Credit Union

Auto Loans | Recreational Vehicle | Personal Loans | Credit Card | Home Equity Line of Credit | Mortgages | Quick Cash Line of Credit | Student Loans | Insurance

When it’s time to buy a car, move into a new home, consolidate your debt or simply handle everyday expenses, United Financial Credit Union can provide the money you need. Our loan programs offer low rates, flexible terms and convenient application options to fit your schedule. You can apply for a loan in person, over the phone, or online.

Auto Loans

United Financial Credit Union offers competitive financing for new and used autos, motorcycles and recreational vehicles. If you’re in the market for a new or used vehicle, we can help. Our auto loans offer competitive rates and convenient payment terms.

You can also take advantage of our Dealer Indirect options – and have your loan paperwork prepared right at the dealership.

See a complete list of our Indirect Dealers

Looking for Affordable Auto Insurance?

Boats, Personal Watercraft, RVs, Motorcycle, Snowmobile

Were you born to be free, or what? A Recreational Vehicle loan from United Financial can make your dreams come true. So, whether you’re traveling the country on your new motorcycle, taking the family for a camping trip in your new RV, or living it up on your new boat or snowmobile – you’ll definitely want to get great financing from United Financial first. We offer low rates, and easy repayment terms – with up to 100% financing.

See a complete list of our Indirect Dealers

NADA pricing index


Our Personal Loan program supports today’s active lifestyles. Whether you’re consolidating bills, shopping for a home computer or planning a vacation; our personal loan program may fit your needs.

Qualified applicants can borrow up to $15,000 with comfortable repayment terms.

Platinum Rewards MasterCard


United Financial Credit Union has partnered with ATIRAcredit to offer a first-class credit card program for members. Click here to learn more about our credit card program and the many benefits of having a United Financial Credit Union credit card.

United Financial Credit Union ATIRAcredit™ Platinum Rewards MasterCard®
It’s easy to understand why more and more members are using the United Financial Credit Union Platinum Rewards MasterCard.

  • Earn points on every purchase — 2X rewards for the first 60 days after account opening!
  • Rack up unlimited points to use however you want
  • Redeem reward points for cash, gift cards, merchandise, travel and more!
  • Enjoy a low, members-only interest rate
  • Manage your account, view transactions and make payments 24/7 online
  • Get your questions answered anytime with 24/7 Cardmember Service
  • Protect your card from unauthorized use with Zero Liability and fraud protectionStart earning points toward your rewards today!
    Learn More

Already a card member? Click here to access your account and/or make payment.

MasterCard is developing a new way to quickly and securely check out. MasterPass simplifies the way you shop, whether you’re at home, in a store or on the go. It’s the perfect combination of security and convenience. Safely store your payment and shipping information so you can spend less time checking out and more time enjoying the things you love.

Home Equity Line of Credit

Your home can help pay for

a new kitchen, a new roof, college tuition, an unforgettable vacation or whatever you need. A Home Equity Line of Credit provides unique advantages including:

  • Very competitive rates
  • A possible tax deduction for your interest payments (consult your tax advisor)
  • Generous credit limits
  • Easily access your Home Equity Line of Credit with our Home Equity Checks

Here’s a simple formula for figuring your available equity: S.E.V. x 2 x 90% – 1st mortgage = EQUITY.


Your most important investment is in good hands here are United Financial.

Our mortgage programs offer:

  • Balloon and fixed rates
  • 1st and 2nd mortgages
  • Vacant Land Loans
  • FHA & Rural Development Loans

Contact our Mortgage Department for more information on a mortgage to fit your needs.

United Financial Credit Union NMLS ID 652309

Are you behind on your rent or mortgage?  Do you plan to buy a home soon?  Are you considering taking out a reverse mortgage loan or home equity loan?  Relax, you’re not alone.  Talk to a knowledgeable, certified Accel housing expert.  Click Here for more information.
Accel is a trusted partner of United Financial Credit Union.

Neighborhood Mortgage Solutions – Payment Information Make your NMS Mortgage Payment Here.

Click here to log in

Quick Cash Line of Credit

Set up your line of credit and relax knowing you have money available any time. Use this convenient line of credit as overdraft protection for your checking account or you can access cash in a variety of ways:

  • In person at any United Financial branch
  • By calling US 24 Telephone Teller
  • Online through Virtual Branch

Student Loans

The United Financial Credit Union Smart Option Student Loan® by Sallie Mae®
For borrowers attending degree granting institutions

Now you can pay for college the smart way with three great repayment options and competitive interest rates! The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans

To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • We offer a choice of competitive fixed and variable interest rates providing even more choice and flexibility
  • No origination fees and no prepayment penalty
  • Multiple in school repayment options available
  • Borrower benefits available like rewards and interest rate reductions
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • 24/7 online account management

To learn more or to apply, please get started here.


Have you been asked to provide proof of insurance coverage for a new or existing loan? Simply enter your policy information online and allow us to verify your coverage and update our records as required in your loan agreement. Enter policy information here.

Protection Packages

United Financial is proud to offer Life and Disability Insurance for your loans at the Credit Union. Giving you peace of mind if something were to happen, your loan should be taken care of.

You can also add GAP Insurance (Guaranteed Asset Protection) or Mechanical Repair Coverage (MRC) to your auto loan. GAP is a low-cost coverage that pays the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle.

MRC helps pay for covered repairs on your car when the unexpected breakdown occurs.

Category: Auto Insurance

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