A Graduation Gift to Help With Your Next Chapter


Now that you've graduated, we want to let you know we’ll still be there every step of the way. You can use your UMCU account for the rest of your life – no matter where you live. Enjoy all the products and services you know and trust.

•    Keep access to the nationwide network of 30,000+ CO-OP ATMS. No matter where you go, we’re only an ATM away.
•    Continue to check your balances, make transfers, and more with the Online Banking portal and mobile app
•    Retain the products and services you trust – and be the first to know when new opportunities arrive!

To celebrate your achievements, we've got a graduation gift to help you navigate post-graduation life!
 

Graduation Loan

Start a new financial chapter with:

  • Auto Loan Rates Starting at 4.5%*
    • Must be a new loan to UMCU*       
    • No restrictions on vehicle's year, make, or model             
    • Same interest rate on new or used vehicles
    • Convenient application process
    • Flexible repayment terms
 
  • My Choice Personal Loan – Just 8.00% APR**
    • Borrow up to $50,000
    • Fixed-rate loan with predictable monthly payments for easy budgeting
    • No collateral required
    • Up to 60-month term
    • Use money how you see fit: trips, debt consolidation, and more!

Apply Today for the Graduation Loan

Apply Online

Use the UMCU convenient online application.      

Online Banking or Mobile App

You may inquire by submitting a secure message through online banking or our UMCU mobile app and use Graduation Promo in your subject.
 

By Phone

Contact one of our team members and they would be happy to assist you with your savings goals. Give us a call.
   

In Person

Stop in at one of our branch locations and get in-person attention to help answer any questions and to open your certificate of deposit.
   

Insured by the National Credit Union Administration (NCUA).


 
*The offer begins 4/21/25 for accounts in good standing. If a deferral is set up during the loan process, principal or interest payments are not required for 180 days from the loan funding date. Interest will accrue during the deferred payment period. The offer is not valid for internal refinances on existing UMCU loans. Loans with a deferred first payment of more than 90 days are not eligible for GAP coverage. Offer subject to credit approval. Rates vary based on credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Must be new loan to UMCU or refinance of loan from another financial institution. For refinances from another financial institution to qualify, vehicle must have been purchased January 2025 or after.

**Subject to credit approval. Additional limitations, terms and conditions apply, and are subject to change without notice. May not be combined with other promotions or discounts. Special rates valid for one year from date of graduation from an accredited university.