The Credit Union offers a wide variety of low-cost loans with flexible terms and prompt, friendly service. Check out our competitive rates. To apply for a loan click here.

New & Used Vehicle Loans

Borrow up to 100% of the cost of a new vehicle or up to NADA Retail value on used vehicles. Be sure to have your loan pre-approved at the Credit Union so that you can shop with confidence. When you borrow from the Credit Union you’re eligible for all dealer discounts and factory rebates.

GAP Insurance

Purchase GAP insurance with your next vehicle loan to protect against depreciation.  If your vehicle is stolen or totaled in an accident, GAP insurance will pay the difference between your automobile policy settlement and your outstanding loan balance. The cost of the insurance can be added to your monthly loan payment, costing just a few extra dollars per month. 

Member Auto Payment Saver (MAPS™)
MAPS is a viable option to conventional vehicle financing or leasing. Compare for yourself! When you are ready to buy your next vehicle, be sure to call or visit the Credit Union first to discuss how MAPS can offer you a LOWER MONTHLY PAYMENT.

Overdraft Line of Credit
When you apply for an Overdraft Line of Credit, you’re actually solving two money problems. First, it eliminates costly return check fees by providing overdraft protection on your checking account (up to your available credit limit). Second, you can write yourself a loan when you’re short on cash. You can access your account by simply writing a check. Or access it by using your UFSFCU VISA Check Card at a participating merchant or ATM, or if preferred transfer funds from your Line of Credit to a share account by calling CALL-24.

Personal Loans (Signature)

Borrow from $500 to $10,000 and take up to 5 years to repay. You can use a personal loan to finance anything you wish.

VISA® Credit Card Program

Use your UFSFCU VISA Credit Card at merchants worldwide wherever you see the VISA logo displayed.

The Credit Union's VISA Has Better Rates & Terms Than Other Credit Cards

• No Annual Fee. That compares with $20 to $50 fees for most other VISAs and Master Cards.
• 25 Day Grace Period. Pay-off your purchases within 25 days and pay no finance charge.
• Lower Interest Rates. When you choose to leave a balance on the Credit Union's VISA, pay a rate that's lower than other credit cards and much, much lower than department store charge accounts.

For more information about the Credit Union’s VISA Classic and VISA Gold Cards click here. To report lost/stolen cards: 1-800-808-7230.

Attention UFSFCU Credit Cardholders

Manage your credit card accounts online … 24 hours a day, 7 days a week!

This service is FREE. Enrolling is quick and easy. Just click on the link and follow the step by step instructions.

It’s now safer than ever to shop online. Your UFSFCU Visa credit card is now equipped with Verified by Visa, the free service that gives you password protection when you shop online. Activate your card once. Get added security forever. You can activate your Verified by Visa password at any participating store listed at www.visa.com/shopverified

Secured Loans

You can borrow at a lower interest rate by pledging funds from Savings or Certificate Accounts. You can also obtain a lower rate by securing your loan with Stock (up to 70% of the market value of any stock listed on the New York or American Stock Exchange).

Home Equity Loans

Our low fixed rate Home Equity Loans and Home Equity Line of Credit can help you consolidate your bills, make home improvements, pay for an education, or solve other money issues. Plus there are NO Closing Costs, NO Application Fees, and NO Appraisal Fees on loans of $5,000 or more! Better yet, the interest you pay is usually tax deductible. Consult your tax advisor for details. Outside of New Jersey, mortgage recording fees are the responsibility of the member.

First Mortgage Loans

Your ideal home doesn’t have to exist just in your dreams. We can help make home ownership a reality, or help you move up to a bigger home with our affordable mortgage rates. Adjustable rate mortgages have lower initial interest rates and monthly payments, making it possible to get more house for the money. With a fixed rate mortgage loan, your principal and interest payments will never change. But whether you choose an adjustable rate or fixed rate mortgage loan, we offer a variety of options that will help put you in the home you’ve always dreamed of.

• Free Pre-Qualification
• Fast Approval
• Rate Lock-In
• Application Fee Refunded at Closing

(Rates change daily. Call our Mortgage Department at 1-866-769-6960 Ext. 3 for details).

Online Mortgages!
Click here to apply online for your first mortgage.