Newsletter | Branches & Hours | Routing & Transit # 021 383 463
UHS Employees FCU
Fast, Flexible, and Built for You – Personal Loans
As a medical professional, you give your all—so when life throws surprises your way, UHS Employees FCU has your back. Our quick, no-collateral personal loans help you cover unexpected expenses, home repairs, vacations, and more—without the hassle of big banks.
✔ Fast & Simple Application – Get approved quickly so you can focus on what matters.
✔ No Collateral Needed – Borrow with confidence, no car or home required.
✔ Competitive Rates & Member-First Service – Because you deserve better than big banks.
You take care of others—let us take care of you.
Your job is demanding—you deserve a car loan that works just as hard for you. Whether you’re upgrading to a brand-new ride or choosing a reliable used vehicle, UHS Employees FCU makes financing fast, simple, and stress-free—with better rates and member-first service that big banks just don’t offer.
🚗 New Vehicles (2023-2025) – Finance up to 100% of MSRP + sales tax with terms up to 7 years (but choose wisely—you don’t want your loan to outlive your car!).
🚙 Used Vehicles (2016-2022) – Borrow up to the current NADA market value + sales tax, with terms up to 5.5 years.
Work Hard, Play Hard—We’ve Got You Covered!
Long shifts deserve big adventures! Whether it’s a boat, RV, motorcycle, or jet ski, UHS Employees FCU makes financing easy and affordable—with better rates and member-first service.
🚤 Recreational Vehicles (2023-2025 & 2016-2022) – Boats, RVs & more!
🏁 Sportscraft – ATVs, Jet Skis & Snowmobiles (up to 60 months new, 48 months used).
Skip the big banks—we’re here to get you moving!
The Right Credit Card for Your Busy Life
As a medical professional, you juggle a lot—your finances shouldn’t add to the stress. Whether you’re paying down balances, earning rewards, or building credit, UHS Employees FCU has the perfect card to fit your life and your goals.
💳 Flexible & Convenient – Accepted worldwide, plus mobile purchasing for easy payments.
🛡 Zero Fraud Liability – You’re protected if your card is lost or stolen.
📞 24/7 Support – Because your schedule doesn’t take a break.
Skip the big banks—get a credit card that works for you.
Affordable Student Loans for Hardworking Families
As a medical professional, you work hard to give your family the best opportunities—including a quality education. But with college costs rising, finding affordable funding can feel overwhelming. That’s where UHS Employees FCU comes in.
As a not-for-profit lender, we put you first, offering a smarter way to pay for school with:
✅ Zero origination or prepayment fees – Keep more money in your pocket
✅ Low interest rates – Because education shouldn’t break the bank
✅ Easy online application – Apply in minutes, stress-free
✅ Flexible repayment options – Including deferment while in school
✅ One-time application, ongoing access – Secure financing for your entire college career*
Give your family the financial edge they deserve—without the high costs of traditional loans.
*Subject to qualifications and annual credit review.
Less Stress, More Savings – Refinance Your Student Loans with UHS Employees FCU
You work tirelessly to provide for your family—managing student loan payments shouldn’t add to the stress. If you’re juggling multiple loans, high interest rates, and different due dates, let UHS Employees FCU help you simplify and save.
With our Student Choice Refinance solution, you can:
✔ Lower your interest rate and reduce monthly payments
✔ Combine multiple loans into one easy payment
✔ Work with a trusted, local lender who puts you first
You may be a great candidate for refinancing if:
🔹 You’re paying a high interest rate on student loans
🔹 You have multiple private or federal loans
🔹 You have good credit or a strong co-signer
Take control of your student debt and focus on what matters most—your future.
(Remember, if you refinance federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate reductions, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans.)
Anytime Access
University Accounting Service (UAS) is the loan servicer for your account and provides 24/7 access to view your student loan information and make payments at www.uasecho.com. (Payments by mail should be sent to University Accounting Service, PO Box 5865, Carol Stream, IL 60197-5865.)
Personalized Support
If you have additional questions regarding your student loan account, or are experiencing difficulties at this time and need to discuss repayment options to keep your account in good standing, please call 800-723-2210 to speak with a servicing agent.
Protect What Matters Most – Loan Protection with UHS Employees FCU
As a medical professional, you work hard to provide for your family—but life can be unpredictable. What if an unexpected illness, injury, or loss of income impacted your ability to make loan payments? UHS Employees FCU has your back with affordable loan protection, giving you peace of mind when you need it most.
We offer two key coverage options:
✅ Life Insurance Benefit – Pays off your loan in the event of death
✅ Disability Insurance Benefit – Covers loan payments if you become disabled
Compare Your Coverage Options
| Coverage | What It Does | Maximum Benefit | Eligibility | Cost Per $1,000 Loan Balance (Monthly) |
| Life Insurance (Single/Joint) | Pays off loans up to $55,000 in case of death | Up to $55,000 | Borrower & co-borrower (if joint), max age 70 | $0.54 (Single) / $0.86 (Joint) |
| Disability Insurance (Single/Joint) | Covers loan payments if disabled | $1,000/month, max $30,000 total | Borrower & co-borrower (if joint), max age 70 | $1.89 (Single) / $3.59 (Joint) |
🔹 Flexible Terms: Protection available for loans up to 300 months
🔹 Joint Coverage Available: Protects both you and a co-borrower
🔹 Affordable & Reliable: Keep your family secure without breaking the bank
You take care of others—let us take care of you.
Your Home, Your Future—We’re Here to Help
Buying a home is one of the biggest financial decisions you’ll make—but you don’t have to do it alone. UHS Employees FCU, in partnership with Owner’s Choice Funding, is here to guide you every step of the way.
Our mortgage consultant will help you:
🏡 Understand your options – Fixed & variable rates with flexible terms
📋 Navigate the process – Expert support from application to closing
💰 Find the right financing – Whether it’s a primary home, second home, or investment property
With a simple application, competitive rates, and lifelong loan servicing, we make home buying stress-free and seamless—because you already have enough on your plate.
Ready to Take the Next Step?
Request a consultation today, and be sure to mention UHS Employees FCU and reference Judith as your contact.
CTA Button – Ready to Take the Next Step?
Home Equity & Mortgage Refinance
Put Your Home’s Equity to Work for You
As a hardworking medical professional, you give your all to provide for your family—now let your home start working for you! Whether you’re looking to pay off your mortgage faster, fund home improvements, or consolidate debt, a Home Equity Loan from UHS Employees FCU can help you reach your goals.
Why Choose UHS Employees FCU?
🏡 Pay off your home sooner – Reduce a 20-30 year mortgage to 10-20 years or less
🔒 Fixed terms & predictable payments – No surprises, just smart financing
💙 We keep your loan local – No selling to big banks, just trusted service from our team
🤝 Experienced, commission-free lenders – We work for YOU, not for a paycheck
Know the Costs Upfront
There may be third-party fees ($510–$3,000), and homeowner’s insurance is required (flood insurance may be necessary). We’ll walk you through everything—transparently and stress-free.
Let’s turn your hard work into home equity power!
Take a Break When You Need It – Skip-A-Payment with UHS Employees FCU
Life happens—unexpected expenses, tight budgets, or just needing a little extra breathing room. That’s why UHS Employees FCU offers our Skip-A-Payment program, giving you the flexibility to pause a loan payment and focus on what matters most.
How It Works:
🔹 Skip (4) weekly, (2) bi-weekly, or (1) monthly loan payment every 6 months
🔹 Eligible for auto, personal, share-secured, and recreational vehicle loans (excludes AFG Auto Advantage loans)
🔹 Interest will still accrue, and a $20 processing fee applies
Important to Know:
✔ Have GAP coverage? Skipping a payment may impact future claims—check your contract.
✔ All borrowers must sign the request form to process the skip.
✔ First loan payment cannot be skipped.
Need a break? We’ve got you covered. Check your eligibility and apply today!
CTA Button – Download Skip-A-Pay Form Now!