Loan Specials

Fall into Savings Auto Loan Refinance Special

• Get up to $200 in Extra Cash¹
  Use code FALLAUTO25 when applying.
• Rates as Low as 5.59% APR²
• NO Payments for 90 DAYS³

Available on Auto Loan Refinances from other financial institutions only. See full details in disclosure below.

Disclosures:

1. Offer expires October 31, 2025. 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 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 FALLAUTO25 during application. Cannot be combined with another offer. Rates current as of 9-30-2025. 2. 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. 3. Interest begins accruing upon disbursement of loan. Deferred payment option available upon request. Federally insured by NCUA.

Fall into Savings HELOC Special

Tap into your home’s value with a HELOC and enjoy great rates and more possibilities!

• Up to $500 Towards Closing Costs*
  (excludes appraisal fee)
• Introductory Rate of 4.99% APR* for First 12 Months
• No Annual Fee
• Interest may be Tax Deductible**

18 Month Specials Disclosures:

*APR=Annual Percentage Rate. Introductory APR for well qualified borrowers at a maximum Loan to Value ratio (“LTV”) of 90% depending on borrower’s loan scenario. Introductory Home Equity Line of Credit (HELOC) rate of 4.99% APR for the first twelve (12) months. After twelve month introductory period, APR will default to qualifying rate as determined and disclosed at the time of the loan closing. As of 9/1/2025, qualifying interest rates are as low as 6.5% APR with a product floor rate of 4.00% APR and the maximum is 18.00% APR. Rates are based on the Prime Rate published in the Wall Street Journal Money plus a margin. Rates and terms based on individual’s credit score and qualifications. Rates and terms subject to change. Home value is based on US Community Credit Union verified source such as an appraisal, which may be required. Borrower pays appraisal fee. Property insurance will be required, including flood insurance if applicable. To qualify, $35,000 new money must be included in loan request. Must have a credit score of 620 or higher at the time of your application. Early loan termination fees may apply. Home Equity products available in Tennessee only. Limited time offers subject to credit approval. Offers subject to change or may expire without notice. Application for HELOC promotion must be submitted by 10/31/2025. All loans are subject to credit approval. Closing costs are estimated to range between $500.00 and $1,000.00 (or more depending on the loan amount). US Community Credit Union will pay up to $500 toward closing costs for HELOCs $35,000 and higher (new money), excluding the appraisal fee. Appraisal fee not part of closing costs. Membership required. Terms and conditions may apply. Contact the credit union for any questions regarding promotion. ** Contact a tax advisor concerning tax-deductibility FEDERALLY INSURED BY NCUA. EQUAL HOUSING LENDER. NMLS: 363210