We Inform You Of General Electrical Credit Union

Require financing? We will place you into the motorist’s chair.

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

Get authorized, or pre-approved, quickly to get on your way.

Our expert and friendly loan officers will allow you to know very well what choice will continue 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 are able to finish your GECU loan documents directly onsite in the dealership.

In addition, we should assist you to protect your brand new purchase, we provide you with the solution to sign up for Payment Protection and guaranteed in full resource Protection (GAP) in your loan.

GECU Graduate Car Loan System

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

  • Will need to have finished within the just last year or will graduate within the next six (6) months having a Masters, Bachelors, or Associates level from an accredited U.S. University or medical college
  • Supply a pay stub from manager verifying full-time employment or commitment page of employment (must start work within 60 days of contract date)
  • Minimal earnings of $1,400 each month

GECU First-Time Buyer Car Loan System

Why don’t we assist fund your very first collection of tires – despite having little if any credit rating! Our low prices and repayment that is flexible allow it to be because affordable as you possibly can to invest in your brand-new automobile, plus you will end up building a confident credit score in the procedure.

  • Minimal six (6) months of work history; evidence of income and residence needed
  • The least $1,400 each month
  • No undesirable credit rating
  • Two legitimate recommendations

Car Buying Solution

Whenever you’re seeking your next car, take to GECU’s free Member Automobile Assistance Program (MAAP)! MAAP eliminates the guesswork giving you the manufacturer’s recommended price that is retailmsrp) on any automobile. This valuable information will assist you to negotiate a good cost on the brand brand new car purchase. Documentation will likely to be provided information regarding that is containing

  • Factory invoice cost for base car
  • Car or truck for base automobile
  • Standard gear on base car
  • Factory http://www.cashlandloans.net/payday-loans-ky/ invoice cost for the company installed options and option packages
  • Car or truck for producer installed options and choice packages
  • Cargo fees
  • Calculated marketing expenses

Our representatives will also help you determine your car trade-in value as well as personal purchase value. Furthermore, they could work with you with email address to the partner dealers and easy methods to negotiate together with them.

Contact a MAAP agent for help in purchasing or selling a vehicle today!

APPLY NOW – It Is Easy!

  • Apply online
  • Go to one of our partner dealers and apply onsite in the dealership
  • Phone that loan officer at: 513.243.4328 or 800.542.7093
  • See any branch location

We offer on line Banking and our mobile application for you free of charge; but, message and information prices may use. Contact your solution provider for details.

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Residence & Land Loans

United Credit Union provides a number of mortgage loans, including fixed-rate and adjustable-rate very first mortgages and house equity loans. To be able to qualify, you have to live or work with certainly one of our 16 counties, therefore the home should be positioned in certainly one of our 16 counties also. A summary of those counties is available by pressing here.

Very Very First Mortgage Home Loan

Think about UCU first if you’re hunting for the house of one’s goals — we are able to help to make your fantasies be realized, with that loan that is tailored simply for you. Features covered:

  • Residence purchase or refinancing of an home loan that is existing
  • Terms as much as three decades
  • Qualified applicant may borrow as much as 97% of purchase cost or value that is appraisedthe reduced of this two) on purchase. (Loan-to-value might be reduced on specific kinds of domiciles. )
  • Please demand current interest fee and rate information
  • Select from fixed, 1 year. Adjustable, 3 year. Adjustable or 5 yr. Adjustable prices

Residence Equity Distinct Credit (HELOC)

Establish a UCU Residence Equity credit line and draw on it when you require funds for almost any such thing: a young child’s university training, a brand new vehicle or watercraft, house addition or improvements, a great vacation, Christmas time, or other things that your loan requirements might be. Interest calculated just from the quantity you borrowed from. Other features consist of:

  • Borrow as much as 90% of your house’s value minus first mortgage stability if very first mortgage is held at United Credit Union or if no present home loan. Borrow as much as 80% of your property’s value minus first mortgage stability if very very first home loan is held at another loan provider.
  • Just available on the main residence
  • Draw period of 5 years
  • Minimal or no Closing Expenses
  • May use cash for nearly any such thing
  • Readily available – online account access, TLC, phone as well as in individual
  • Adjustable price predicated on prime credit and rate worthiness, not to ever meet or exceed 18% APR*
  • Speed subject to adjustment monthly
  • Credit lifetime can be acquired with this product (Not NCUA/NCUSIF insured)

Fixed Speed Residence Equity

If you do not require the freedom of a credit line and want to have significantly more rate of interest security, a hard and fast Rate Residence Equity loan could be exactly what you are interested in. You nevertheless use your many borrowing that is powerful to invest in almost anything: a unique holiday, university training, bill consolidation, etc.

  • Borrow as much as 90% of your house’s value minus first mortgage stability if very very first home loan is held at United Credit Union or if perhaps no present mortgage. Borrow as much as 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 lifetime of Loan
  • Rate based on prime credit and rate worthiness

*APR = Yearly Portion Price

Land Loans

UCU provides 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 want to buy or refinance is actually for individual usage, please contact our Mortgage Department.

Construction Loans- Not Available

When you are considering borrowing and also you’re thinking BIG, think of United Credit Union. You can expect affordable prices, flexible terms therefore the solution you’ll depend on when creating one of several financing decisions that are biggest in your life. Turn to us first, and you’ll find a courteous, knowledgeable, expert staff willing to fit the bill.

To find out more, please email our Mortgage Department or phone: 573-581-8651.