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Whether you need money to buy a house, a car, continue your education, or to consolidate your debts, we are here to help. We can structure the loan payments to be convenient for your budget. To relieve the monthly hassle of writing checks, we can set up automatic monthly payments from your account.
To protect yourself and your family against unpleasant life circumstances, we offer disability insurance. This can be purchased at the time of your loan application.
Our loan application and all the requirements can be found right on this web site .
Who doesn't dream of having his own home? It is the biggest investment one can make in a lifetime. The process can be overwhelming. We are prepared to help you make your dream come true. Our friendly and professional staff will help you with the mortgage application, answer any questions and quell your fears to make the purchase process easier.
Our mortgages range from 10 to 30 years. We strive to be competitive with the interest rates, and in most cases our closing costs are lower than many of the banks. It is our goal to be mutually efficient and effective.
If you're thinking about refinancing your existing mortgage, we can help!
Documents required at time of Mortgage application:
:: Sales contract – original copy signed by seller and buyer |
:: Income tax returns for last 2 years & pay stubs from the previous 2 months |
:: Personal information |
- proof of deposit |
- outstanding debts with balances and account numbers |
- personal savings in savings accounts or checking accounts |
To refinance an existing mortgage all of the above is required, except the sales contract.
Please call us for our rates!
This type of loan is the simplest, the least amount of paperwork, and can be granted on the spot. The amount of loan depends on the amount of money you have on deposit at our credit union. For example, if you have $1,000 on deposit, you can borrow $1,000. The share account is frozen, and dividends will continue to be paid on a quarterly basis.
Please call us for our rates!
Today, a car is not a luxury, it is a necessity for our every day life. Our credit union grants loans on new and used cars with competitive interest rates and convenient terms. Most car loans are granted for 100% of the value of the vehicle. The amount borrowed is commensurate with market value of your new vehicle.
To apply for a car loan you will need to submit:
:: Signed application;
:: Income verification;
:: Bill of sale from dealer or private party (sales contract);
:: Proof of insurance ( UHD FCU listed as a "Loss Payee");
Please call us for our rates!
Thinking of buying a new computer or furniture, or have other financial contingencies? We will be happy to help you by offering a personal secured loan or personal unsecured loan.
Please call us for our rates!
When you think about it, a credit card isn't just something to make a purchase with. It's a way to enjoy greater financial freedom.
Our Visa is specially designed to offer you all the conveniences you welcome in your life. It saves you valuable time. It makes your life less complicated. Best of all, it comes from UHD Federal Credit Union - people you really know and trust.
We offer both Platinum and Classic VISA Credit Cards.
Our credit card has the following features:
:: Low fixed rates for all purchases and balance transfers
:: No annual fee
:: Worldwide acceptance
:: Travel accident insurance - up to $250,000 if airplane tickets are purchased with our Visa
:: Grace period for repayment is 25 days
:: Low fees for late payment or over the credit limit fee
Please call us for our rates!
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We
operate in accordance with the Federal Fair Housing
Law and the Equal Credit Opportunity Act.
Your savings federally insured to $100,000. NCUA is
a US government agency.
For questions concerning your account or a recent
statement, contact
the Credit Union.
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