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What's New
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Loan Rates reduced by 2%
We are offering a 2%* loan rate reduction to members who apply for a limited time. This special does not apply to: existing UPCU loans, ez qualifier loans, Credit Card accounts, and Mortgage Loans.
You must apply thru our website at www.unionpacificfcu.org to be eligible for the rate reduction; no exceptions.
You can also balance transfer an account from another financial institution over to UPCU with the bYear-End loan special, however, our cash incentive program will not apply if you want the rate reduced by 2%.
UPCU branch offices may be closed but our 24 hour branch’s (website, PC Teller & Express Teller) will be open!!
Visit our website at www.unionpacificfcu.org 24 hours a day 7 days a week.
*no loan discounts will be available in addition to this rate reduction.
Balance Transfer - Auto Refinance Program!!!
Are you paying too much on a non-UPCU auto loan? Are you tired of mailing a check every month? Transfer your existing loan to UPCU and repay loan with payroll deduction or automatic payments from your checking account.
Our “MINUS 2" refinance program can reduce your rate a full 1%*. Whether you bought your car two years ago or just in the past few months, you could be saving hundreds – if not more – over the life of your loan or just do a Balance Transfer. Here is what we’ll need from you!
- Submit your application online thru our website
- Proof of income
- Your vehicle’s registration
- Your original loan contract / window sticker: if available
- A transferable loan of at least $15,000
- Current lender’s statement of account
Minimum Rate: 2.99%
If you don’t qualify for this program we have other programs available.
Mastercard Classic & Mastercard Platinum
- No Cash Advance Fees
- Interest Rate the same for Purchases as Cash Advances
- Low Late Charge: 7-day Grace Period
- No Balance Transfer Fees
- On-line Bill Payment & On-line Account Access
- No Annual fees
- Discounts for members with Checking with Direct Deposit
- Rates as low as 8.99% (Platinum Account)
- Share Secured
Convenience and competitive rates and low fees make UPCU credit cards the logical choice!
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Dealer Financing Has Limitations
Union Pacific EFCU's automobile loans are not limited by the model of vehicle you choose. We offer competitive interest rates on new vehicles, regardless of make or model. Our used vehicle loan rates are also near historic lows. Our loan rates are based on the amount of financed and term of loan, and your credit profile.
We will finance up to 100% MSRP (window sticker) and UPCU's Mechanical Breakdown Insurance and/or GAP protection. What is GAP Insurance? GAP protection will ensure that your loan with us is paid in full if your vehicle is totaled or stolen.
Ask us about the prices on new vehicles. We can provide you with a report showing Dealer Cost vs. Window Sticker on any new vehicle. We also have a referral list of Fleet Dealers that will give you a discount on your new vehicle purchase. We can also supply you with the Retail Blue Book on any used vehicle. Give us a call before you purchase your next vehicle.
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