What's New
» return home
Minus 2 / 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 2%*. 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!
- Completed Loan Application by Mail or Fax (562) 693-6195
- 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
*Credit Score of 640 or more
Minimum Rate: 6.75%
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
- Holiday Promotion Rate: 5.99%
Convenience and competitive
rates and low fees make UPCU credit cards the logical
choice!
return
to top
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.
return
to top
| 
