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1st Auto Loan Program

This unique program is designed for the first-time auto buyer who may have difficulty obtaining loan because of limited credit or no credit history at all. Our program will provide you with manageable terms and a competitive rate. Plus, you will have an opportunity to establish a positive credit history in the process.


  • Member receives a $50 gas card
  • Loan amounts up to $25K
  • Terms up to 60 Months
  • 100% MSRP (New) or 100% of NADA Retail
  • Automatic approval for $500 Line of Credit when they open a UECU Checking Account


  • Must be at least 18 years old
  • Payment not to exceed 20% of monthly gross income (proof of income required)
  • Minimum 12 months of employment with present employer or signed teacher contract
  • No credit required however no derogatory credit is allowed.
  • Proof of insurance
  • Auto payment required
  • No previous auto credit
  • Refinance of existing auto loan allowed if purchased within last 6 months
  • Other underwriting may be required


  • Zero down rate 5.99% APR*
  • 10% or more down 4.99% APR*

*APR means Annual Percentage Rate. Other conditions and qualifications may apply. Bonus is subject to IRS reporting; 1099 MISC form will be postmarked by 1/31/2015 if your total bonuses accumulated from United Educators Credit Union for the year 2014 equal or exceed $600. Rates current as of April 7, 2014. Savings Federally Insured by NCUA.

Member Resources

Auto Loan Calculator Dealer Financing Truth Vehicle Loans
Routing # 296076084 • Toll-Free 800-229-2848