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United Federal Credit Union
Refinance Now
You could save thousands of dollars!1

Universal Auto


Refinance your existing vehicle loan at UFCU with rates as low as 2.39% APR2 and you could save thousands of dollars over the life of your loan. Plus, you could be eligible for the following great deals:

  • Rates as low as 2.39% APR2
  • No payments for 90 days or a $50 Visa® Gift Card3
  • Up to 110% financing4

You can also add valuable protection and warranty services to your loan5, such as Extended Warranty coverage, Guaranteed Auto Protection (GAP) coverage and Credit Life, Disability, and Unemployment coverage.

Refinancing your existing vehicle loan with UFCU is quick, easy, and stress-free.

Rates as low as

2.39% APR2

Bonus Offer:

No payments for 90 days or a $50 Visa® Gift Card3

Other Important Program Information:

1 Average savings of $2,047 over the life of the loan on those auto loans made in 2013 where initial monthly savings were greater than or equal to $100 per month, based on an average loan length of 15 months. Vehicle loans currently financed through the credit union cannot be refinanced with this offer.

2 APR= Annual Percentage Rate. The Annual Percentage Rate is the best advertised rate as of July 15, 2014 and can vary from 2.39% APR to 10.25% APR depending on credit performance, age of vehicle and terms of the loan. Payments are based on $10,000 financed for 60 months at 2.39% APR equals a monthly payment of $180.84, which includes 0.60% discount for 20% down and automatic payment from your United Federal Credit Union account. Rate is subject to change without notice.

3 No payments for 90 days or $50 Visa® Gift Card. If you select no payments for 90 days, finance charges begin on the date the loan is made and interest accrues during the payment deferral period. If you select the $50 Visa® Gift Card, the gift card will be mailed to you within 30 days of closing. This offer may not be combined with any other offer or promotion.

4 Financing up to 110% of the retail value of the auto is available.

5 Debt Protection products are available independently of credit and are provided by a third party partner and not NCUA insured. Credit may not be extended if, after you respond, we find that you do not meet the following criteria, including but not limited to, length of employment, your income, debt status, and ability to pay in relation to the loan amount requested. Additional criteria may apply. We can cancel this offer if you do not meet the criteria established in this offer.

Federally insured by NCUA. Equal Opportunity Lender.