12 Days of Christmas Specials
Celebrate the Season with 3 Big USCCU Offers!
The holidays are here, and so are our 12 Days of Christmas Specials! Starting today, we’re rolling out three limited-time offers to help you save, earn, and drive into the new year with confidence.
Special Offer 1:
Drive Home with a Better Rate
For a limited time, when you finance your auto loan purchase or refinance with USCCU, you’ll also get:
- Take 0.25% APR OFF your qualifying rate¹ (floor rate of 5.59% APR)
- Up to $200 CASH when your loan closes¹²
- No Payments for 90 Days³
Must use promo code 12Days25 when applying.
Special Offer 2:
Make Everyday Banking Brighter
Open a New USCCU Membership with a Checking Account, Get $50*. Share the gift of membership this holiday season:
- Let your friends & family know they can qualify for a $50 bonus when they open a new USCCU Membership with a Checking Account
- Experience easier day-to-day banking with convenient access and digital tools
Must use promo code 12Days25 when applying.
Special Offer 3:
Help Grow Your Savings
12-Month Certificate Special
Give your savings a boost this holiday season with our limited-time certificate offer. Lock in a great return with:
- 4.06% APY on a 12-month certificate**
- $1,200 in new money required to open
Members can use Online Banking or contact us to open certificate.
Don’t Wait…
These Specials End December 31, 2025!
Apply for an auto loan or open a checking account or certificate by logging into USCCU online banking or the mobile app, tap More > Apply Now, and enter promo code 12DAYS25 when submitting your application. If you do not have online banking, click one of the buttons above to apply.
DISCLOSURE
1. APR = Annual Percentage Rate. Rates and terms based on individual’s credit score and qualifications. Rates and terms subject to change. A new hard inquiry credit report pulled by US Community Credit Union is required. All loans subject to approval. Rates current as of 12-1-2025. Floor of 5.59% APR. Membership Required. Terms and conditions may apply. Expires 12-31-2025.
2. Offer excludes all loans currently financed with US Community Credit Union and all USCCU loans made through indirect lending at dealerships. Offer valid on auto loan purchases and refinances from other financial institutions only. All auto loans with a balance of $20,000 and over will receive $200 cash and all auto loans with a balance of $10,000 to $19,999.99 will receive $100 cash upon loan closing when entering promotional code 12DAYS25 during application. Cannot be combined with another offer. Rates current as of 12-1-2025. Expires 12-31-2025.
3. Interest begins accruing upon disbursement of loan. Deferred payment option available upon request.
*Must open new checking account to qualify for $50 bonus. Account must remain open and in good standing for first 90 days. Bonus not applicable for existing US Community Credit Union checking account holders. Bonus will be reported to the IRS and a 1099 form will be issued at year-end. Any applicable taxes resulting from this offer are the responsibility of the recipient. Limited time only. Offer may expire at any time. Terms and conditions apply. Expires 12-31-2025.
**APY=Annual Percentage Yield. Certificate Requirements: $1,200 minimum/$250,000 maximum to open 12 Month Special. Certificate must be opened with New Money only. New Money is defined as money not on deposit at US Community Credit Union within the prior 6 months. Limited Time Only. Rates subject to change. Penalty for early withdrawal. Special rate only available until first maturity. Non-members wanting to open a certificate must become member and open share account with par value deposit of at least $5. Terms and conditions may apply. Expires 12-31-2025.