Pixel for iHeart Radio

NOTICE: The financial community is seeing an aggressive increase in scams and phishing. We will never contact you to ask for your username, password, PIN, verification codes/code word, or card/account numbers. If you are concerned about a text, call or email you receive, please contact our service center at 1-800-453-8188.

Learn More
Apply Now

Loan Rates

Abstract blurred office interior

Providing Low Rates is Our Highest Priority

Scroll down to view current personal and business loan rates.


Auto Loans

UCCU provides low rates and flexible terms on every vehicle loan.


*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.


RV Loans

UCCU  RV  Buying Experts are at work in every branch, ready to deliver low rates, up  to 100% financing, and 144 months (that’s 12 years!) on new and used Recreational Vehicles. 


*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.


Motorcycle / Scooter Loans

UCCU provides up to 100% financing and up to 84 months on a new and used motorcycle loan


*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.


Visa Credit Cards

Get the credit you deserve.


*Annual Percentage Rate=APR. Some restrictions may apply. Offer is subject to change without notice. On approved credit. Membership eligibility required. Federally insured by NCUA. 

*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based upon borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA. Click for credit card rate and fee disclosure.


Personal Loans

Referred to as a “signature loan,” a Personal Loan from UCCU requires no collateral or application fees. Check out our Personal Loan Rates.


*APR = Annual Percentage Rate. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions apply. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify.


Checking Protection

Checking Protection is a line of credit you can link to your checking account to provide the financial coverage you need if your balance is too low to complete a transaction. 


*APR = Annual percentage rate. Fixed 18% APR. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. Federally insured by NCUA.

*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.


Home Equity Lines of Credit

Standard Home Equity Lines of Credit

Initial Fixed Home Equity Lines of Credit


Mini Mortgage


Mortgage Loans

Traditional loans with fixed payments and low rates.

*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.

*Payments are based on a $250,000 loan on a $420,000 property in Utah County, UT. If an escrow account is required or requested, your actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums. The values shown assume the loan is for the refinance of a single-family residence that will be used as a primary residence and that the applicant has a credit score of 740 or higher.


Business & Commercial Loan Rates

Business Auto Loans

From buying a single vehicle to building an entire fleet, UCCU’s Business Auto Buying Experts are ready to provide your business with low rates and flexible terms on every business vehicle loan.

Learn More

*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.


Business Visa Credit Cards

Low rates, cash back, and other advantages to
help support and grow your business.

Learn More

*Annual Percentage Rate=APR. APR will not exceed 18.00%. 1% foreign transaction fee.

*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA. Click for business credit card rate and fee disclosure.


Business Checking Protection

Business checking protection line of credit will automatically provide the coverage your business needs to complete a transaction whenever there are insufficient funds in your account. 

Learn More

*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.


Business Loans

*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.

We’re here to help

Call or Text

(801) 223-8188
Mon – Fri: 8:00 am – 6:00 pm
Sat: 9:00 am – 2:00 pm

Submit a Question to our Support Team

or send us a message from inside online banking.

Stop by a Branch

Find a Location