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Loans

Click on the Rates option to view a rates table and calculator for each loan type.

Auto Loans

  • Apply Rates
    APR as low as* 3.25%

    For all types of new or pre-owned vehicles, U.P. State Credit Union is the place to choose for excellent rates and terms with no application fees!  By using the calculator, you can figure your estimated payment before you make a trip to the dealer.  We encourage you to talk to a UPSCU Loan Officer and get pre-approval today. In the Upper Peninsula, we have indirect lending with several dealerships where they finance directly with us.

    Autos over 10 years old, Max Term is 48 months.

Mortgage Loans

  • Our mortgage experts have proven many times over that there is a difference at U.P. State Credit Union. Whether you’re a first time buyer, refinancing your current home, or a savvy investor, our professionals are well equipped to answer each and every question you might have.  With low fees and competitive rates, we will make sure you get the right mortgage product that fits your financial needs.

    Please Call for Current Mortgage Loan Rates.

    Apply for a Mortgage online coming soon.

Revolving Line of Credit

  • Apply
    APR as low as* 7.25%

    There isn’t a quicker way to get a loan than simply using your signature.  You can borrow up to $10,000 without any collateral. Loan rates vary depending on credit qualification and approval. You will have a 2 year draw period where you can access the funds by calling or by stopping in and talking to a Loan Officer.

Recreational Loans

  • Apply Rates
    APR as low as* 3.5%

    U.P. State Credit Union has excellent rates, terms and no application fees to finance that side-by-side, snowmobile, trailers, campers, or watercraft! By using the calculator, you can figure your estimated payments before you make the trip to the dealer. We encourage you to talk to a UPSCU Loan Officer and get pre-approval today. In the Upper Peninsula, we have indirect lending with several dealers where they finance directly with us.

Loan Protection

Debt protection is a voluntary loan-payment protection product that helps preserve your family’s standard of living by giving you relief from the financial burden of delinquency, default, or foreclosure if a protected life event such as disability, loss of life, or involuntary unemployment happens to you.

*Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.  Certain eligibility requirements, conditions and exclusions many apply.  Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection.

Guaranteed Asset Protection Plus (GAP Plus)

There may be a point where you owe more than your vehicles worth.  Many times, primary auto insurance settlements may not provide you with enough money to cover your loan balance.

If you plan to finance more than 80% of your new vehicle purchase, talk with a Loan Officer about adding GAP PLUS COVERAGE to the loan.

In the event that your vehicle is stolen or considered a total loss GAP Plus will cover the difference between the primary insurance settlement and what you still owe on your loan.  In addition to that, GAP Plus Coverage will pay $1,000 toward the purchase of your next U.P. State Credit Union auto loan when your purchase a replacement vehicle within 60 days of your primary insurance settlement and will also pay your insurance deductible up to $1,000.

UPSCU’s GAP Plus Coverage provides two very clear benefits:

Purchasing cost at UPSCU is much lower!  Purchasing GAP Plus Coverage from UPSCU is a one-time low cost of $367.00. Dealerships will try to sell you a policy and typically charge anywhere from $350 to $800 for GAP coverage.

“GAP insurance” is not the same as “GAP Plus Coverage”.  “Plus” is the added benefit of a $1,000 payment toward your next UPSCU auto loan.  * GAP insurance does not include this valuable extra benefit.

*In the event that your vehicle is stolen or totaled, GAP Plus Coverage will pay $1,000.00 toward the balance of your next U.P. State Credit Union auto loan when you purchase a replacement vehicle within 60 days of your primary insurance settlement.

UPSCU VISA Card

UPSCU has two fixed-rate visa cards to meet your credit card needs.

 

VISA Classic Credit Card
Our VISA Classic Card offers many great benefits and has a credit limit up to $7500.00.

 

VISA Classic Features:

  • No annual fees
  • Up to $250,000 of life insurance when you purchase common carrier tickets
  • Make purchases at merchants worldwide displaying VISA logo
  • 25-day grace period on purchases
  • Transfer balances from higher rate cards easily
  • No Application fees

 

VISA Platinum Credit Card
Our premium card, the VISA Platinum, offers the same benefits as our Visa Classic Card and much more. The main difference is that the Platinum card offers a credit limit up to $30,000.00.

 

VISA Platinum features:

  • Up to 25% discount on car rentals
  • No annual fees
  • Make purchases at merchants worldwide displaying VISA logo
  • 25-day grace period on purchases
  • Earn Bonus Points that can be used for travel, gifts and other services
  • Transfer balances from higher rate cards easily
  • No Application fees

Skip-A-Pay

It’s never to early to begin preparing for the holiday season.  U.P. State Credit Union’s Holiday Skip-A-Pay program can help you get extra holiday cash by letting you skip payments in either November or December. To take advantage of this promotion, simply complete and return the Holiday Skip-A-Pay coupon at least 10 days before your due date. Some restrictions do apply.  See form for details.

For more information, see Skip-A-Pay