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Getting a personal loan at UICCU is fast and easy, we'll work with you to find a term that fits your budget. As always, with UICCU, the rates are some of the best you'll find.

Need the opportunity to build or rebuild your credit. It all begins with demonstrating that a lender is willing to work with you, and that you can make the scheduled payments. Let us be that lender. Our staff will work with you to build your credit rating, starting with a manageable loan with automatic payments. You can do this. We can help.

Life can throw unexpected hurdles your way. UICCU can help you address those needs with flexible term financing, often at rates well below national credit card providers.

  • Medical Expenses
  • Funeral Expenses
  • Vehicle repairs
  • Major appliance repair
  • School expenses
  • Unexpected utility bills
  • First month's rent and deposit for the move into your apartment

UICCU works with members every day to consolidate and eliminate debt. We can pool all your high interest debt into a lower rate and build a plan to eliminate it. If you are a homeowner, we can explore the possibility of tax deductible interest as well.

We understand the immigration process can be complicated and expensive. UICCU offers a Citizenship Loan to help with the cost of the naturalization application and legal fees associated with the process of becoming a U.S. citizen.


UICCU offers a variety of credit cards for members. For those with limited income, we don't think your first card should put you into a deep debt situation. That's why we offer cards with no annual fee, a low non-variable rate, manageable credit lines based on your income, and no over-limit fees. We provide online tools to help you manage your money as well.

Help play it safe with PayBreak Debt Protection. 

Whether you're taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because things happen…life happens.

Help play it safe with PayBreak Debt Protection*. PayBreak is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements help ease the enrollment process.

If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), PayBreak will cancel or reduce repayment of your loan debt. Help lessen your worries, and your family's worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

  • Loss of life 
  • Disability 
  • Involuntary unemployment

Call 800-397-3790 and ask about protecting your loans, today.

*Your purchase of PayBreak 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 may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of PayBreak.

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