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Vehicle & Personal Loans

Vehicle Loans

For all types of new or pre-owned vehicles, U.P. State Credit Union is the place to choose for excellent rates and terms without the hidden costs or complications often associated with dealer financing.

No application fees EVER!
Low Payments.

With a wide variety of terms, we’re confident you’ll find the perfect car that fits nicely into your budget. By using our handy calculator, you can figure your estimated payment before you make the trip to the dealer.  You can even contact a U.P. State Credit Union Loan Officer to receive pre-approval.  Make your dealer negotiations go more smoothly by having the upper hand and confidence to purchase the best vehicle you know you can afford.

View our current rates.                             Apply now!

Personal Loans

There isn’t a quicker way to get a fast loan than simply using your signature. Personal loans have been a popular loan for years at U.P. State Credit Union because it can be used forany number of purposes that you deem necessary. 

You can borrow up to $10,000.00 without any collateral.  You will have a 2 year draw period where you can access the funds over the phone, the internet or by stopping in and talking to a Loan Officer.


View our current rates.                                 Apply now!

Share/Certificate of Deposit Secured Loan

If your desired loan request doesn’t fit into one of the other loan categories, the Share and Certificate of Deposit Secured Loan might be exactly what you are looking for.

The Share Loan uses your share balance as collateral for the loan. The rate is typically much lower than most loan rates.

The Certificate of Deposit Secured Loan leans on your present CD as collateral.

View our current rates.                     Apply now!


UP State Credit Union Loan Protection & GAP Plus

Help play it safe!   

Thinking about taking out a loan?  It can be a financial gamble because…life happens. Find out more about our Loan Protection & GAP Plus options here.

National Credit Union Administration Equal Housing Lender
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act