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Perth Amboy: (732) 442-5648  •  Linden: (908) 523-0008  •  Toll Free: 1-800-333-7713
 
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Here at United Poles FCU, we want to help you achieve your financial success. The only way we can do that is to get to know YOU and your financial situation. We have posted our lowest loan rates on our website. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different term. Your score is determined by various factors including your credit and repayment history. You have the opportunity to call us for an analysis of your credit report and score so that we can help you determine the loan that best suits your individual needs and help you save money every month. So, please let us help you reach your financial goals.

Our rates on auto, personal and vacation/holiday loans are even lower for members eligible for United Poles FCU Relationship Pricing. United Poles FCU Relationship Pricing gives members discounted rates on loans when they use other Credit Union products. Members receive an additional:

  • 0.25% off the loan rate for automatic loan payment
  • 0.10% off the loan rate for using United Poles FCU checking account, VISA Flex Debit card, direct deposit, Bill Payer, Home Banking, CD, Money Market or IRA, up to a maximum of .50%
On real estate loans, the rate discounts don’t apply, but on new 1st mortgages  we will give you $250 credit towards closing costs, if you bring over $20,000 of new money to United Poles FCU or if you switch your checking account (with direct deposit) to us.

Car Loans

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.

  • Low, fixed interest rates
  • Repayment terms up to 72 months (for loans over $30,000)
  • Financing up to 100% (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  • Loan payments can be automatically withdrawn from your share (savings) or share-draft (checking) account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

Looking to buy a car? Click here to do your research, build your car, search dealer inventory, apply for a loan and get your $100 rebate certificate from us in one convenient place. 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.

  • Low, fixed interest rates
  • Repayment terms up to 72 months (for loans over $30,000) or even 84 months for new cars
  • Financing up to 100% (GAP Plus protection available to be 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
  • Extended warranty on new and used cars available to be purchased thru your Credit Union

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.

Working hard for your money does not always guarantee that you will have the extra cash on-hand to pay for that well deserved vacation, your child's education, large personal purchases, home improvements, or sudden emergencies. 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. The limit on our unsecured loan is $20,000.

We also offer Secured loans for up to the amount deposited in your share (savings), certificate accounts

  • Low, fixed interest rates
  • Repayment terms up to 60 months
  • Signature loans for up to $20,000 (loans over $5,000 require a co-signer)
  • 20% of the loan balance is required as a security deposit for the signature loan
  • 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

Holiday/Vacation Loans

Our Credit Union offers Vacation/Holiday Loans for up to $3,000 and maximum term of 9 months. If you are planning to go on vacation or need cash for holidays, this loan will be the best solution for you. Apply online or in person.

 
 
       
 
       
 
This credit union is federally insured by the National Credit Union Administration.
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