UDCU has just the right lending program to help make your dreams come true.

Whether it is a car loan, personal loan or unsecured loan, RV loan or refinancing your home, your credit union is the best source for financing your needs.

UDCU offers a variety of low-cost, flexible programs designed to help our members consolidate debt, finance a new or used vehicle . . . even take a vacation!


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Loan Types

  • Line of Credit “Cash Flow”
  • Unsecured Loan
  • Share Secured Loan
  • Auto Loan
  • First & Second Mortgage

Line of Credit “Cash Flow”

A low fixed rate line of credit with ability to draw on funds as needed. There is no set term and you can use funds and repay monthly.

  • $10,000.00 maximum
  • Open end loan

Unsecured Loan

Our signature unsecured loan is available in amounts up to $5,000. Fixed rates and flexible terms are from 6-48 months. Use it for variety of purposes including debt consolidation, medical expenses, or purchasing older vehicle.

  • $5,000.00 Maximum
  • Maximum term is 48 months

Share Secured Loan

A share secured loan lets you borrow up to 100% of the balance in your savings account, while you continue to earn interest. Funds must remain on deposit and will not be available for withdrawal, but will continue to earn dividends. The annual percentage rate (APR) is calculated by adding a percentage to your savings APY.

  • Personal loans secured by your savings, money market or certificates
  • Use for a variety of purposes including debt consolidation
  • Low rate – just 4.00% APR while earning dividends on UDCU account the loan is secured by
  • Flexible terms up to 120 months
Maximum Terms Amount Financed APR Interest Rate
120 months 90% of unencumbered shares 4.50%

Auto Loan

All auto loans include tax, license and serviced policies; not to exceed Blue Book value.


Loan Type Maximum Terms APR Interest Rate
New 36 months 5.25%
48 months 5.49%
60 months 6.25%
72 months 6.99%
84 months 7.25%
Used 36 months 5.49%
48 months 5.75%
60 months 6.50%
72 months 7.25%
3 years out of the Blue Book 7.50%


Loan Type Maximum Terms APR Interest Rate
New 36 months 11.00%