LOAN RATES REDUCED BY 1% for a limited time, so be sure to apply quickly! All loans subject to credit approval.

Auto loan rates are as low as 3.99%; rate will remain the same over the life of the loan; subject to credit approval and for limited time.

Loan must be submitted online thru website; no exceptions

Tell your workers and family members about the great benifits of belonging to a credit union! Transfer your accounts today and start saving $$$.

We have CASH for you when you refer a member to UPCU or when you transfer your loan balances to UPCU!!

UPCU will pay you up to $100 for a balance tranfer of your Auto Loan over to UPCU; plus reduce your payments too, win, win!!

UPCU offers a great Checking Account : See below for all the great benifits, Transfer your  Accounts and start Savings $$$.

Auto Loan Specials! Rates as low as 3.99%*  We havrecommend two options: Fleet Dealer referral or Autoland buying program, we want you to get the best price possible. Apply online, its EZ with our Online Application, calculate your payments with and without MBI/GAP and Credit Insurance by clicking link below! PROTECT YOUR INVESTMENT AND YOUR FAMILY'S FUTURE WITH MBI / GAP / CREDIT INSURANCE!! *All loans subject to credit approval and rates are subject to change without prior notice.

return to top Balance Transfer your high interest Credit Cards; Rates as low as 7% WE HAVE SIGNATURE LOAN AVAILABLE FOR VACATION OR IF YOUR OWE TAXES, APPLY FOR A SIGNATURE LOAN, UP TO $2,500, RATES AS LOW AS 7% IF YOU HAVE A CHECKING WITH DIRECT DEPOSIT. Credit Card Rates as low as 8.99% and No Cash Advance/Balance Transfer Fees!! Start saving today, its easy to apply!   >Colton Branch has new hours ! >Ez Qualifer available: Based on Length of Employment and Monthly Gross Income: Amounts Range from $450,00 to $1,000.00 (Gross Income determines the amount) Call your local branch for more details! The 5 Biggest Factors That Affect Your Credit Score Credit Basics: Your Credit Score is a number that lenders use to determine the risk of lending money to a given borrower. 1. Payment History - 35% 2. Amount Owed - 30% 3. Length of Credit History - 15% 4. New Credit - 10% 5. Types of Credit In Use - 10% Your credit score is extremely important in getting approved for loans and getting the best interest rates available, if you credit score is lower because of the recent economy Union Pacific CA Employees is here to assistant you and to get you back on track.We have always been here for our members; whether you are starting out or starting over we want to walk you thru the process. We appreciate your business and look forward to answering any of your questions. HOW CAN WE EARN YOUR LOAN BUSINESS?? PLEASE GIVE US A CALL OR SEND US AN EMAIL WE HAVE CASH !!!   CHECK OUT OUR GREAT CHECKING ACCOUNT,SEE BELOW, NO MONTHLY DEBIT CARD FEES, FREE WITH DIRECT DEPOSIT,DISCOUNTS ON LOANS   WE WANT TO HEAR FROM YOU ABOUT OUR SERVICES, LET US KNOW WHAT YOU NEED FROM YOUR CREDIT UNION. WE HAVE A REFER A MEMBER PROGRAM: EACH MEMBER YOU REFER TO UPCU YOU EARN $5 IN CASH, OR IF YOU REFER 5 COWORKERS YOU WILL RECEIVE $25.00. UPCU CAN OFFER BETTER PRODUCTS TO ITS MEMBERS IF EACH MEMBER USES THE SERVICES AS WE ARE A TRUE COOPERATIVE, THIS IS YOUR CREDIT UNION, WE WANT TO BUILD A STRONG  RELATIONSHIP WITH OUR MEMBERS! WE NOW OFFER 9 MONTHS OF E-STATEMENTS ON PC TELLER, ALL MEMBERS RECEIVE A MONTHLY E-STATEMENT TOO.

Access your accounts 24/7 using account access for PC Teller or Express Teller (800) 983-9590