get rolling with 4.99% APR for u

Finance or refinance your vehicle from another lender, and drive forward with an auto loan rate as low as 4.99% APR.1

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u deserve premium perks
Earn a 2.25% APY bonus dividend, enjoy auto loan savings, and get extra reward points with Plus Checking.2

Rates with U in Mind

Rates and terms subject to change.

48 Month
3.70% APY
1 to 48 Months
4.99% APR
as low as
9.49% APR

Transfer Options

Easy Transfers to Friends and Family

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First-time Homebuyer Loans

Your Path to Homeownership Starts Here

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UT vs TXST Sweepstakes

Don’t miss your chance to win this ultimate game-day experience3 Sept 5, 2026. You and three friends could win tickets, on-field access, pregame hospitality, and more!

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Your Card. Your Choice.

Enjoy all the benefits of a UFCU Checking with a debit card that shows off your school spirit.

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Open a Free Checking Account

No minimum balance, no monthly fees, and access to 55,000+ fee-free ATMs.

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Advice U Can Trust

We’re here with tips to empower you to make informed financial decisions.

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More Than a Jersey

After moving to San Marcos, the city quickly became more than a place to live. It became his community. Now he’s finding that same support for his finances with UFCU.

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A Better Way to Credit

Build your credit with real-time credit monitoring, and personalized recommendations — all in one place.

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A Year of Smart Money Moves

Learn how Carlos saved $901 in a year with Plus Checking through dividends, discounts, and everyday perks.

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Replace Damaged Cash

Learn how to replace torn or damaged dollar bills.

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Upcoming Events

1 Auto loans subject to eligibility. Terms and conditions apply.

2 Plus Checking accounts subject to eligibility requirements. Rates are variable and subject to change after an account is opened. Certain restrictions apply. See full Plus Checking Terms & Conditions (PDF).

3 Sweepstakes Subject to Official Rules.