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Tired of high payments and interest rates? Let United Credit Union help!

For a Limited Time, refinance your vehicle loan with UCU and you will: 

  • Receive 1% Cash Back (Up to $400)*  
  • Have No Payment for 90 Days
  • Be entered to win one of our weekly giveaways!   
  • Be entered to win amusement park tickets, camping gear and more!
  • Our Loan Promotion includes refinances on Cars, Trucks, SUVs, Campers, Motorcycles, Boats, ATV's and more!

    It's easy to apply! Simply click here and you can fill out our loan application. One of our member service representatives will review your application and get back with you as soon as possible. If you have any questions in the mean time, feel free to call or stop by one of our locations. You can find us in Columbia, Mexico, Fulton, Vandalia, Moberly and Troy. We can be reached toll-free at 1-877-581-8651.   

    Get ready to start saving today!

    *The fine print: One percent cash back offer applies to refinance loans brought to United Credit Union from other financial institutions. Loan has to stay with UCU for 3 months and can be no more than 15 days delinquent at the end of those 3 months. 

    Want to have an idea what interest rate you might qualify for?? Check out this table:

    Secured Loans
    Effective Date: Friday, April 28th, 2017
    Autos, Boats, RVs, Motorcycles, Etc.
    Credit ScoreGradeAPR*
    730+ A+ 2.65%
    680 - 729 A 3.40%
    640 - 679 B 5.40%
    600 - 639 C 8.40%
    570 - 599 D 12.40%
    Below 570 E 14.40%
    *Rates stated above are for 36 months or less , add 0.25% for terms 37-60 months. Add 0.50% for terms 61-72 months. Longer terms available, please contact United for rate information. Qualified borrowers may borrow up to and over 100% loan to value, rate may be adjusted.
    Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change.
    Rates stated above are for 2016 and newer secured vehicle loans. For vehicles 2009-2015, please add 0.25% to the secured rate state above corresponding to the correct credit score. For vehicles 2008 and older, please add 1.25% to the secured rate stated above.
    Includes a 0.25% discount available with Direct Deposit!

Equal Housing Lender National Credit Union Administration