BACK-TO-SCHOOL LOAN PROMOTION
Whether you're covering tuition, books, supplies, technology, or other education-related expenses, UFCW Community FCU's Back-to-School Loan can help make the school year more affordable.
Qualified borrowers may receive rates as low as 6.70% APR with flexible repayment options.
Example monthly payment:
An 18-month loan at 6.70% APR would have a monthly payment of approximately $58.55 per $1,000 borrowed.
Loan approval, rates, and terms are based on creditworthiness and underwriting criteria. Proof of income is required, and membership eligibility requirements must be met. Applicable fees may apply.
Important: The payment example is for illustration purposes only. Your actual payment may vary based on the amount borrowed, credit qualifications, and other underwriting factors. Programs, rates, terms, and conditions are subject to change without notice.
Promotion ends August 31, 2026.
BACK-TO-SCHOOL LOAN PROMOTION: In order to receive an Annual Percentage Rate (APR) as low as 6.70% you must be a qualified borrower who meets certain credit criteria. An 18 month term loan with a 6.70% fixed APR would have monthly payments of $58.55 per $1000 borrowed. This payment example is for illustration purposes only. Your actual payment may vary and is based on credit worthiness and underwriting factors. Proof of income is required. Must meet membership requirements and fees may apply. All credit union loan programs, rates, terms and conditions are subject to change without notice. Contact any branch office for full loan details. Promotion ends August 31, 2026.
HOME EQUITY LOANS
Looking to tap into your home's equity? For a limited time, UFCW Community FCU is offering special fixed-rate Home Equity Loans with no application fees, closing costs, or other loan fees.
Qualified borrowers may receive:
5.25% APR on Home Equity Loans of $20,000 or more with terms up to 10 years
5.70% APR on Home Equity Loans of $20,000 or more with terms up to 15 years
Example monthly payments:
A 10-year loan at 5.25% APR would require monthly payments of approximately $10.73 per $1,000 borrowed
A 15-year loan at 5.70% APR would require monthly payments of approximately $8.28 per $1,000 borrowed
Loan approval and rates are based on creditworthiness and other underwriting criteria. Loans are available for first-lien properties only, and borrowers may finance up to 80% of their home's value (loan-to-value ratio). Membership eligibility is required to apply.
Important: The payment examples are for illustration purposes only and do not include property taxes, insurance premiums, or other applicable costs, which could increase the actual payment amount. Programs, rates, terms, and conditions are subject to change without notice. This is a limited-time offer.
HOME EQUITY LOAN PROMOTION DISCLOSURES: *Annual Percentage Rate (APR) of 5.70% for qualified borrowers who meet certain credit criteria and borrow a minimum of $20,000 up to a maximum of 15 years. *Annual Percentage Rate (APR) of 5.25% for qualified borrowers who meet certain credit criteria and borrow a minimum of $20,000 up to a maximum of 10 years. A 180 month term loan with a 5.70% fixed APR would have monthly payments of $8.28 per $1000 borrowed. A 120 month term loan with a 5.25% fixed APR would have monthly payments of $10.73 per $1000 borrowed. These payments are for illustration purposes only. The payments do not include amounts for insurance premiums and taxes, if applicable, the actual payment obligation will be greater. First Lien Loans Only. Programs, rates, terms and conditions are subject to change without notice. All fees and costs are waived. LIMITED TIME ONLY Must meet Membership requirements to apply. May borrow up to 80% maximum loan to value (LTV). LIMITED TIME ONLY OPPORTUNITY. Effective 3/2/2026.
AUTO LOAN PROMOTION
To celebrate our 70th Anniversary, UFCW Community FCU is offering a special limited-time auto loan rate as low as 3.70% APR for qualified borrowers.
Eligible members can finance a 2024 or newer vehicle with 1,000 miles or less and enjoy a low fixed rate with terms up to 60 months.
Example monthly payment:
A 60-month loan at 3.70% APR would have a monthly payment of approximately $18.28 per $1,000 borrowed.
Loan approval, rate, and terms are based on creditworthiness and underwriting criteria. Proof of income is required at the time of funding, and loan-to-value requirements may apply. Membership eligibility is required, and applicable fees may apply.
Important: The payment example is for illustration purposes only. Your actual payment may vary based on the amount financed, loan term, credit qualifications, and other underwriting factors. Vehicle eligibility restrictions apply. Programs, rates, terms, and conditions are subject to change without notice. Contact UFCW Community FCU for complete loan details.
AUTO LOAN PROMOTION DISCLOSURES: *The Annual Percentage Rate (APR) of 3.70% for qualified borrowers who meet certain credit criteria. A 60-month term loan with a 3.70% fixed APR would have monthly payments of $18.28 per $1,000 borrowed. This payment example is for illustration purposes only. Your actual payment may vary and is based on creditworthiness and underwriting factors. Proof of income is required at the time of loan funding. Loan to value requirements may apply. Vehicle must be 2024 or newer with no more than 1,000 miles. Must meet membership requirements and fees may apply. All credit union loan programs, rates, terms and conditions are subject to change without notice. Contact any branch office for full loan details. Rates effective 3/2/2026.
SKIP-A-PAY PROMOTION
Need a little extra flexibility in your budget? UFCW Community FCU's Skip-A-Pay program may allow eligible members to skip one scheduled loan payment and use those funds for other expenses.
To qualify:
Your loan must be current
Your account must be in good standing
Your loan must be at least 6 months old
A $35 processing fee applies for each loan payment skipped. The fee covers:
One monthly payment, or
Two consecutive bi-weekly payments, or
Four consecutive weekly payments
Skip-A-Pay is available once per year during the life of the loan and all requests are subject to approval by the Credit Union's Loan Department. Requests must be submitted at least 10 days before the payment due date.
SKIP-A-PAY PROMOTION DISCLOSURES: *There is a $35 processing fee per loan skipped. The fee applies to one monthly payment, two consecutive bi-weekly payments or four consecutive weekly payments. To be eligible: 1) your loan must be current; 2) your account must be in good standing; 3) your loan must be at least 6 months old. Skipped payments are allowed one (1) time per year during the life of the loan. All requests to skip a payment must be approved by the Loan Department. UFCW Community FCU must receive this form no less than 10 days prior to the loan due date.