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Loans & Cards Overview

Let's work together to achieve your financial goals! From low rates to unbeatable rewards, our loans and credit card offerings make it easy.

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Get the Extra Funds You Need for Life's Big Moments

For expenses both planned or unexpected, UMCU's got you covered! Our loan and credit card offerings come with low rates, flexible terms, and the expertise you need to help you choose the best option. 

Visa® Credit Cards

Whether you're looking for a low rate to save money, want to improve your credit score, or want more robust rewards, there's a UMCU Visa® for everyone! Our Platinum Optimum keeps interest charges in check with one of the lowest rates available, starting at just 8.99% APR*. Our Visa® Platinum Cash Rewards earns you unlimited 1.10% cash back with every purchase at every merchant. 

Home Loans

Achieve your homeownership dreams or refinance with ease thanks to UMCU's home loans, featuring low closing costs, down payments, no application fee, and free pre-approval for confident shopping. For current homeowners, our HELOC provides a convenient way to tap into your equity for renovations, repairs, or debt consolidation.

Vehicle Loans

Fuel your adventures with UMCU's affordable vehicle financing. From family road trips in a motor home to cruising in your dream sports car or exploring the Great Lakes by boat, we'll help you make it happen. 

Personal Loans

Explore our personal loan offerings for life's milestones and unplanned expenses! Finance a wedding, consolidate debt, or even plan that dream vacation. Whenever you need some extra funds to fuel your dreams, UMCU has a loan to make it happen!

Student Loans

Finance your higher education journey with a student loan from UMCU! Our student loan offerings help fill in any financial gaps not covered by other student loans, grants, or scholarships.