You are told by us about General Electrical Credit Union

Need financing? We are going to place you within the motorist’s chair.

Effortless loan process with great prices, a number of terms, much less charges than many other loan providers.

Get authorized, or pre-approved, quickly so you can get on your way.

Our expert and friendly loan officers makes it possible to know very well what choice is going to work most readily useful you can visit one of our many partner dealers for assistance – click here for a full list for you or. They could finish your GECU loan documents directly onsite during the dealership.

In addition, you want to allow you to protect your purchase that is new provide you with the choice to sign up for Payment Protection and assured resource Protection (GAP) in your loan.

GECU Graduate Car Finance System

Congratulations! You’ve worked hard, now let us allow you to get on the way to success. Our Graduate car Loan Program provides graduates the possibility to buy an automobile at a fair price, with little to no or no credit rating.

  • Will need to have finished into the this past year or will graduate within the next six (6) months by having a Masters, Bachelors, or Associates level from a certified U.S. University or medical school
  • Give a pay stub from manager verifying employment that is full-time dedication page of work (must start employment within 60 times of contract date)
  • Minimal income of $1,400 each month

GECU First-Time Buyer Car Loan System

Let’s assist fund your very first collection of tires – despite having little if any credit score! Our low prices and repayment that is flexible allow it to be because affordable as you possibly can to fund the new car, plus you will be building an optimistic credit rating in the act.

  • Minimum six (6) months of work history; evidence of earnings and residence needed
  • The least $1,400 every month
  • No unfavorable credit rating
  • Two legitimate sources

Car Buying Solution

Whenever you’re looking your car that is next GECU’s free Member Automobile Assistance Program (MAAP)! MAAP eliminates the guesswork by providing you the manufacturer’s proposed retail cost (msrp) on any automobile. This information that is valuable assist you to negotiate a good cost in your brand brand brand new car purchase. Documentation is going to be supplied containing details about:

  • Factory invoice cost for base automobile
  • Car or truck for base automobile
  • Standard gear on base automobile
  • Factory invoice cost for the producer installed options and choice packages
  • Car or truck for the producer installed options and choice packages
  • Cargo fees
  • Calculated marketing expenses

Our representatives will also help you determine your car pop over to these guys or truck trade-in value as well as sale value that is private. Furthermore, they are able to work with you with contact information to your partner dealers and easy methods to negotiate using them.

Contact a MAAP agent today for aid in purchasing or offering an automobile!

APPLY NOW – It Is Easy!

  • Apply online
  • See one of y our partner dealers and apply onsite during the dealership
  • Call that loan officer at: 513.243.4328 or 800.542.7093
  • Browse any branch location

We provide on line Banking and our app that is mobile to at no cost; nonetheless, message and data prices may use. Contact your solution provider for details.

FICO is a subscribed trademark of fair Isaac Corporation in america as well as other nations.

Subscribe to On The Web or Cellphone Banking!

Register today to easily handle your loan! Put up alerts, make re re re payments, and determine your FICO® Score 24/7 through Online Banking or our mobile application.

Residence & Land Loans

United Credit Union provides a number of mortgage loans, including fixed-rate and adjustable-rate mortgages that are first house equity loans. So that you can qualify, you need to live or work with certainly one of our 16 counties, while the home should be situated in one of our 16 counties too. A summary of those counties are found by pressing right right right here.

Very Very First Mortgage Mortgage Loan

Think about UCU first if you’re hunting for the true house of the ambitions — we are able to help to make your goals become a reality, with financing that is tailored simply for you. Features covered:

  • Residence purchase or refinancing of an current mortgage loan
  • Terms as much as three decades
  • Qualified applicant may borrow as much as 97% of purchase cost or appraised value (the reduced regarding the two) on purchase. (Loan-to-value can be reduced on certain kinds of domiciles. )
  • Please demand current interest fee and rate information
  • Pick from fixed, 1 year. Adjustable, 3 year. Adjustable or 5 year. Adjustable prices

Residence Equity Distinct Credit (HELOC)

Begin a UCU Residence Equity credit line and draw on it when you require funds for just about such a thing: a kid’s university training, a brand new vehicle or motorboat, house addition or improvements, a great getaway, Christmas time, or other things your loan requirements could be. Interest calculated just regarding the quantity you owe. Other features consist of:

  • Borrow as much as 90% of your house’s value minus first mortgage balance if very very first home loan is held at United Credit Union or if perhaps no present home loan. Borrow as much as 80% of your house’s value minus first mortgage stability if very very first home loan is held at another loan provider.
  • Just available on the primary residence
  • Draw period of five years
  • Minimal or no Closing Expenses
  • May use cash for pretty much any such thing
  • Easy to get at – online account access, TLC, phone plus in individual
  • Adjustable price predicated on prime price and credit worthiness, to not meet or exceed 18% APR*
  • Speed subject to adjustment monthly
  • Credit lifetime can be acquired about this item (Not NCUA/NCUSIF insured)

Fixed Speed Residence Equity

If you do not require the freedom of a personal credit line and want to have significantly more rate of interest security, a set Rate Home Equity loan could be exactly what you are searching for. You nevertheless make use of your many effective borrowing device to invest in almost anything: a particular getaway, university training, bill consolidation, etc.

  • Borrow as much as 90% of your house’s value minus first mortgage stability if very very very first mortgage is held at United Credit Union or if no mortgage that is current. Borrow up to 80% of your property’s value minus first mortgage stability if very very first home loan is held at another loan provider.
  • Minimal or no Closing Expenses
  • Minimal loan of $2500
  • May use cash for pretty much such a thing
  • Fixed price throughout life of Loan
  • Price based on prime price and credit worthiness

*APR = Yearly Portion Price

Land Loans

UCU offers land loans. We have the loan that is right for you whether you are looking to buy hunting land or land for a future build. In the event that land you intend to purchase or refinance is actually for individual usage, please contact our Mortgage Department.

Construction Loans- Not Available

If you are considering borrowing and you also’re thinking BIG, think about United Credit Union. You can expect affordable prices, versatile terms plus the solution you’ll rely on when coming up with certainly one of the financing decisions that are biggest you will ever have. Aim to us first, and you’ll locate a courteous, knowledgeable, expert staff prepared to fit the bill.

To learn more, please email our Mortgage Department or call: 573-581-8651.