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LOANS
Compare lending options that cover everything from a new vehicle to your forever home to unexpected emergency expenses.
FINANCING FOR THE WAY YOU LIVE
LOANS MADE FOR THE U.P.
Compare local lending options for vehicles, homes, recreation, personal goals, and everyday flexibility.
01
Auto Loans
Our vehicle loans feature competitive rates and various terms to fit your lifestyle. Whether you're shopping for a car, truck, or SUV, you'll receive personalized service from a local team you can depend on. You can save time at the dealership by getting pre-approved for a loan before you go. Pre-approval helps you know your budget and strengthens your buying power. Use our online Loan Calculator to estimate your monthly payments to shop smarter and avoid surprises. One of our loan experts will explain your options and help you make the best decision for your budget. There are no application fees, and we make it simple from start to finish.
02
Home Loans
Whether purchasing your first house, moving into your forever home, or refinancing, we’ll help you find the ideal loan. Let us help you buy your dream property. Fixed-rate mortgages allow steady monthly payments for the life of the loan, while adjustable-rate mortgages offer lower starting rates that adjust over time. Talk with one of our mortgage experts to find out which option is best for you: long-term stability or short-term savings.
03
HELOC
We offer competitive Home Equity Line of Credit rates with terms that meet your budget. Our application process for a home equity line of credit is simple, and we’re ready to help you with paperwork, answer your questions, and keep the process moving. A HELOC helps you use your home’s value to borrow what you need when you need it. You can utilize funds during your draw period and only pay interest on the amount you use. So, whether you’re planning a big project or need to pay for school, a HELOC gives you the freedom to do it your way. Plus, as you repay your balance, your credit line becomes available again. It works like a credit card but with better rates and more borrowing power.
04
Recreational Vehicle Loans
We offer competitive rates on various terms. U.P. State Credit Union can help you get the equipment you need to enjoy beautiful scenery with recreational vehicle loans in the Upper Peninsula of Michigan. So, whether you’re planning weekend getaways or hitting the trails after work, we make it easy to ride, camp, haul, fish, or cruise with confidence by financing your purchase over a few years to stretch payments for a lower monthly cost. Plus, no application fee keeps more of your money in your wallet. View current rates on our Recreational Vehicle Loans page.
05
Personal Loans
Our experienced team is ready to help you through the loan process. So, whether you apply online or visit a branch, we’ll explain everything clearly and answer your questions. We’ve built strong relationships with our members because we take time to listen. Every office reflects the unique personality of its community, and we aim to help our members make wise financial choices. You can enjoy numerous benefits from taking out a personal loan. Budget confidently with steady payments and no surprises during your loan term. Our personal loan offers fixed payments for easy money management.
06
VISA Credit Card
Our VISA Platinum Card includes ScoreCard Rewards, so your daily purchases turn into points for brand-name merchandise, travel, gift cards, and more. You earn points every time you swipe and can use them on things you want or need. So, whether planning a trip or picking out a new grill, your VISA ScoreCard Rewards help stretch your dollars. It fits naturally into your daily life without changing how you spend. Here are the benefits you get: A VISA Platinum Card offers up to $30,000 for larger purchases and more financial flexibility. A higher credit limit gives you more freedom.
Not sure which loan fits?
Talk with a local lender about your goals, budget, and next step.
