Intercept Your Debt in 2024!

Be the MVP of your financial journey! When you open a checking account from UMCU, complete direct deposit, you are eligible to transfer a loan or credit card balance from another financial institution, UMCU will lower your interest rate! Plus, there's no balance transfer fee! 

It’s a financial interception Will Johnson would be proud of!

All it takes is three easy steps and you’ll be on your way to greater financial freedom!

 

OPEN YOUR ACCOUNT TODAY   SCHEDULE AN APPOINTMENT  

 



Two Ways To Save

1. Get 2.00% Off A Loan Rate

Get off the sidelines and get the lower interest rate you deserve! The Intercept Your Debt 2.00%* discount applies to dozens of loans:

  • Auto loans
  • Recreational vehicle loans
  • Motorhome loans
  • Boat loans
  • Personal loans
  • Home improvement loans
  • And more!

2. Transfer Your Credit Card Balance to a UMCU VISA at Just 6.00%**

For a limited time, when you open an MVP Checking Account AND transfer your credit card balance from another financial institution, UMCU will make your new annual percentage rate (APR) on the transferred balance just 6.00%**! The average credit card annual percentage rate (APR) is over 20.00%! Chances are a VISA balance transfer could save you thousands of dollars!

NO balance transfer fee!
 

CALL US TO GET STARTED 



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Learn More about Loan and Visa Balance Transfer with MVP Checking


 

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It’s easy! Give us a call, visit your local branch, or fill out your online application to open your MVP Checking Account today!
 

Your 2.00% rate reduction applies to many different loans:
 
  • Auto loans
  • Recreational vehicle loans
  • Motorhome loans
  • Boat loans
  • Personal loans
  • Home improvement loans
  • And more!
 
Not sure if your loan qualifies? Just ask a UMCU team member!
 
After you transfer your credit card balance to UMCU, the new rate for that balance will be just 6.00% for 12 months. After the 12 months end, your interest rate will be determined by which UMCU VISA® you chose. Both cards have competitive rates and a variety of benefits. You can read more here. After you’ve chosen your UMCU VISA®, your balance from your other financial institution will be transferred to your UMCU VISA and the APR on the balance is just 6.00% for 12 months. Any purchases you make with your new VISA through December 31, 2024, will also have the 6.00%.


 
INSURED BY NCUA

*Any non-member or existing member who has not had a checking account in the previous six months, who has an ACH direct deposit to the checking account after the checking account is opened, are eligible to refinance debt from another lender to UMCU at a rate 2.00% lower than their current rate, subject to minimums. Eligible loan types include Auto, RV, Motorcycle, Boat (minimum rate 5.00% APR) and Installment loans (My Choice and Home Improvement) minimum rate 6.00% APR. Must provide proof of the current APR and loan balance for refinanced loans to receive the discounted APR. Loan approval is subject to credit approval). Promotions, terms and conditions are subject to change without notice.

**Eligible members also qualify for a 6.00% APR balance transfer for 12 months. Refinances of existing UMCU loans are excluded from the promotional offers. Must provide proof of the current credit card loan balance to qualify for the balance transfer and discounted APR The 12 month promotional period begins on the day the first transaction occurs. The offer of 6.00% interest rate for 12 months applies to balances transferred from another financial institution. The balance will transfer to a Visa® Platinum Optimum or a Visa® Platinum Cash Rewards credit card. Following the balance transfer, you may also use your VISA credit card to make additional purchases at 6.00% during the promotional period. After the 12-month term, if the balance is not paid in full from the balance transfer or new purchases, an adjusted APR of 8.99% to 18.99% will be applicable on the remaining balance depending on the Visa card program selected. The actual rate will be determined by creditworthiness at the time the borrower applies for the credit card. Monthly payments during the promotional period will go towards paying down the highest interest rate balance first. The 12-month period begins on the posting date of each transaction. Finance charges include 1% foreign transaction fee, $2 non-UMCU/non-Co-op ATM fee, $2 overdraft transfer fee. Daily periodic rates vary from 0.0246% - 0.0520% APR depending on card program selected. Loan approval is subject to credit approval). Promotions, terms and conditions are subject to change without notice.

The first 200 eligible checking accounts opened (non-member or member without a checking account in the last six months), who have an ACH direct deposit to the checking account after the checking account is opened will receive a free bonus pair of Maizeout turnover buff sunglasses. Eligible members will receive the bonus within 30 days of after the ACH deposit is received. Promotions, terms and conditions are subject to change without notice.