Loan Products

Personal Loans
Need to cover unexpected expenses? Don't worry, you can always apply for our convenient personal loan. We promise prompt loan application processing.

The limit on our unsecured loan is $20,000. A member with a mortgage at United Poles Federal Credit Union can also have a $20,000 bridge loan.

Also, if you are paying high interest rates on your credit cards or other bank loans, our Personal Loans have low interest rates and are a great opportunity to consolidate your debt to one affordable monthly payment.

Key Benefits:

• Low, fixed interest rates
• Repayment terms up to 60 months
• Signature loans for up to $20,000
• Secured loans for up to the amount deposited in your share (savings), certificate accounts
• Loan payments can be automatically withdrawn from your share (savings) or share-draft (checking) account
• Prepayment option- you can always make a larger payment with no prepayment penalties

Car Loans
Need to buy a car? We finance new and used cars at very attractive rates. Call us at 1-800-333-7713 to find out more!

Looking to buy a car? Our competitive low interest car loans make owning the car or SUV of your dreams more affordable. You can also choose an affordable repayment term. And, depending on your lifestyle needs, you can have more than one car loan with us.

Key Benefits:

• Low, fixed interest rates
• Repayment terms up to 72 months (for loans over $30,000)
• Financing up to 100% (new cars only with GAP Plus protection purchased from the Credit Union)
• Loan payments can be automatically withdrawn from your share (savings) or share-draft (checking) account
• Prepayment option- you can always make a larger payment with no prepayment penalties
• United Poles FCU and Enterprise Rent-a-Car have teamed up to offer you a complete automotive resource and used car-buying service. The offer includes a 109-point inspection and vehicle certification, 12-month/12,000 mile limited warranty, 7-day or 1,000 mile repurchase policy, 1 year roadside assistance.
  • Go to Enterprise Rent-A-Car to research vehicles, get a quick quote, learn more about warranties and a list of participating dealerships.
  • Call 1-800-227-7253 to get answers to your vehicle questions or assistance with the vehicle-buying process.
  • Visit one of Enterprise-Rent-A-Car locations in your area directly. Be sure to identify yourself as a United Poles FCU member.
  • In case of any questions you can call us at 1-800-333-7713
  • To see the selection of cars available in your area click here.

Buying a car or truck? Protect yourself by calling Motor Vehicle Certification Program. MVCP will save you MONEY and TIME by making sure you get a fair deal. Call 1-800-345-0990 Monday through Friday, 9 to 5, to speak to a customer advisor. MVCP is a no cost service provided to you by our Credit Union.

VISA Credit Cards
We offer VISA Classic, Gold and Platinum credit cards. Our program is well established and very popular among our members. Call one of our offices to receive request an application sent to you.

Your application for a world-wide accepted credit card will be processed promptly, and in just a couple of weeks you can enjoy all the privileges of using UPFCU VISA credit card.

Key Benefits:

• Up to 1% cash back bonus on all credit card accounts
• Standard travel insurance protection of $150,000 at no cost to the member
• VISA Classic comes with a 13.90% fixed interest rate on your balances and cash advances, and $10 annual fee. There’s no minimum finance charge, and your account won’t be charged if you pay your balance within the 25-day grace period. Minimum credit limit of $1,000.
• VISA Gold with low fixed rate of 9.9% and no annual fee. There’s no minimum finance charge, and your account won’t be charged if you pay your balance within the 25-day grace period. The Gold program gives you additional benefits of travel insurance protection. Minimum credit limit of $5,000.
• VISA Platinum with 0% on purchases and balance transfers until July, 2008 (variable rate of Prime plus 1.99% on purchases and Prime plus 6.99% on cash advances thereafter), no annual fee and25-day grace period. Minimum credit limit of $12,500. Travel insurance protection upgraded to $500,000 at no cost to the member. Benefits of the Basic Advantage Program, including but not limited to : Travel Discounts, Travel Dividends, Discounts on Eyewear and Prescriptions, and many more.
• You can access your credit card information online 24 hours a day by Clicking Here or call customer service at 1-800-872-1712.
• To contact the Auto Rental Insurance Line, please call 1-800-VISA-911

Mortgage Loans
Thinking about buying a house? Call us at 1-800-333-7713 and ask for Iwona to find out more.

Become a homeowner with UPFCU 1st Mortgage. You can build equity, take advantage of the tax benefits and enjoy the personal satisfaction that comes with home ownership.

Buying a home for the first time homeowner can be intimidating. We will help you with the terminology and walk you through the entire process step-by-step. To help you get started, here are a few things to consider:

• How much house should you buy? Your monthly mortgage payment should not exceed 26% of your monthly income.
• Down payment- At UPFCU we offer conventional mortgages only, which means 20% down and no Private Mortgage Insurance (PMI).
• Closing Costs- The mortgage closing costs include your attorney's fee, our attorney's fee, title search, survey, insurance, mortgage tax and recording fees and could cost you as much as 6% of your mortgage. With us, these fees are much lower, saving you thousands of dollars.

Key Benefits:

• Flexible mortgage options.
• Simple and affordable process.
• No add-on costs like points, lock-in fees or origination fees.
• The property must be located in NJ.

For more information contact our Perth Amboy office at 1-800-333-7713 and ask for Iwona.

Home Equity Loans
Need extra cash to consolidate your debts? or maybe remodel your kitchen? Possibilities are endless with our convenient home equity loan program. Call us at 1-800-333-7713 and ask for Iwona to find out more.

UPFCU Home Equity Loan is a 2nd mortgage loan based on the available equity in your home. Home equity is the value difference between your home's appraised value and the balance of all of your mortgage loans. This value is known as the equity that you have in your home.

Our Home Equity Loans will help you with any home improvement projects, debt consolidation, education or medical expenses.

Key Benefits:

• Flexible mortgage options.
• Simple and affordable process.
• Payment term up to 180 months.
• Absolutely no cost to the member for loans not exceeding $50,000.
• The property must be located in NJ.

For more information contact our Perth Amboy office at 1-800-333-7713.

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