USUCCU Auto Loan Features

60-Day Rate Lock

Apply online, call, or come in to get approved for our lowest rates. When you do, we will honor that rate for up to 60 days. That means you can shop for your next automobile without worrying about rates going up. No fees, no obligations, and no worries!

No Hoops & No Strings

A lot of low rates advertised out there come with plenty of strings attached and hoops to jump through. Relax. We aren’t going to make you do all that here at USU Charter Credit Union. When your good credit qualifies you for our best rate, it's yours…no strings attached.

No Application Fees or Closing Costs

Some places may advertise low rates only to charge you application or closing fees. Not here. You’ll get low rates without additional fees.

Up To 7-Year Term

We can extend the life of your auto loan up to seven years. Choose a term that works best for you from four to seven years. If you are able to and decide to pay off your loan early, there are no early pay-off fees.

No Restrictions on Late Models

Many other institutions reserve their best auto loan rates for only the most recent model years. At USU Charter Credit Union, our best rates are available to all model years.

10-Day Late Grace Period

Have you ever been one or two days late on a payment and been hit with a “late fee”? Put your mind at ease. We will give you up to ten days past the due date to make your auto loan payment without charging late fees.

Web Teller & Automatic Payments

Take more hassle out of your busy life by signing up for automatic payments or by making your payment on-line using Web Teller. It’s easy and it’s free.