Roll Back Your Rate By Up To 2%*!
At Universal 1 Credit Union (U1), VIP Auto Rates are more than just a low rate - they're about how you're treated.
When you refinance your auto loan with U1, we'll:
✓ Roll back your rate by up to 2% when your loan qualifies for VIP Auto Rates*
✓ Roll out the red carpet with personal service and fast approvals
✓ Keep it transparent with clear terms and no big bank surprises
✓ Handle the switch and make joining U1 smooth and stress-free
STEP ONTO THE RED CARPET & SAVE!
Keep the ride you love. We'll make the payments easier.
Hurry! this limited-time promotion ends June 30, 2026.
*Offer valid March 17 – June 30, 2026. Refinancing applies to auto loans currently financed with other financial institutions only. Existing U1 loans are not eligible. Rate reduction is 2.00% off the borrower’s current interest rate, with a minimum rate floor of 3.99% APR. Promotion excludes mortgages, credit cards, merchant loans, and variable rate loans. All loans subject to credit approval, collateral verification, and U1 underwriting. Borrower must meet U1CU membership eligibility. Rates, terms, and conditions vary based on creditworthiness and loan to value (LTV). NMLS 652486
| Term | VIP Rates | VIP APR* | Dealer APR* |
|---|---|---|---|
| 2025 - Newer | |||
| 0-63 months | 3.99% - 13.99% | 4.05% - 14.06% | 6.55% - 17.36% |
| 64-75 months | 4.49% - 10.24% | 4.54% - 10.30% | 6.74% - 14.91% |
| 76-84 months | 4.99% - 10.49% | 5.04% - 10.54% | 6.84% - 15.81% |
| 2019 - 2024 | |||
| 0-63 months | 4.99% - 14.24% | 5.05% - 14.31% | 6.85% - 17.36% |
| 64-75 months | 5.49% - 10.49% | 5.54% - 10.55% | 6.94% - 16.11% |
| 76-84 months | 5.99% - 10.99% | 6.04% - 11.04% | 7.04% - 16.91% |
| 2015 - 2018 | |||
| 0-48 months | 7.49% - 12.99% | 7.57% - 13.08% | 8.08% - 17.04% |
To get started with your application, you can choose from any of the following options below. It’s your VIP experience; you decide what works best for you. Get in touch with us to begin your journey toward securing the best auto loan rates available!
- Email us: Lending@u1cu.org
- Give us a call: 800-762-9555 opt. 5
- Connect with us at one of our service center locations
- SCHEDULE AN APPOINTMENT
