Cross Street Branch

Please reach out to our Solutions Department as soon as possible. We understand that life happens, and our team is here to work with you to find a manageable path forward. Visit our appointment scheduler and select “Financial Hardship” and one of our experts will reach out to you. 

We encourage you to contact our Solutions Department even before a payment is missed. Whether you are facing a change in employment or an unexpected expense, our experts can review your account and discuss proactive options to help protect your credit and ease your financial stress. At UMCU, we are in your corner and committed to helping you navigate these transitions with confidence. Visit our appointment scheduler and select “Financial Hardship” and one of our experts will reach out to you.

We’re happy to provide FREE financial counseling to help get you back on track after a financial hardship! Visit our contact us page to schedule an appointment with a financial wellness expert. 

UMCU offers free, confidential, one-on-one financial counseling to members either in person or via telephone. These sessions are customized to your individual situation, and will always include a review and analysis of the monthly budget. Financial counselors are able to help members with credit issues, identifying options for debt management, and strategies to reduce expenses while increasing savings. The goal is to regain better control over the day-to-day finances, while also putting an emphasis on longer-term, sustainable financial health. Give us a call or schedule an appointment today!

In some situations, exploring a debt consolidation loan could be a viable option. If you find yourself with multiple unsecured debts, and many at high interest rates, a personal loan or a UMCU Visa® for debt consolidation could allow you to pay-off those debts with one new loan at a lower interest rate. It helps with getting the bills organized, and it can also save you money. UMCU’s My Choice Loan provides competitive rates and an easy application process. Credit is a factor, as is monthly income, so talk to a UMCU Member Service Representative today.

Yes, UMCU offers free monthly workshops that are designed to provide you that essential financial education to help build your knowledge and confidence. Topics rotate throughout the year, and workshops are offered at various times to accommodate schedules. Click here to view our upcoming webinars.