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Personal Loans

Upper Michigan Community Credit Union (UMCCU) has a variety of loans to fulfill your borrowing needs. We offer competitive rates, an easy application process, and quality service. From beginning to end, you'll discover that UMCCU is the only place you'll want to go for all your financial needs.

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Personal Loans

Get the money you need!
Need some extra money in your pocket? Upper Michigan Community Credit Union can help with personal loans you can use to pay for almost anything. Our friendly loan experts can find a loan that's right for you.

We offer a variety of terms and affordable rates to make your dreams a reality. So if you're thinking about going back to college, consolidating debt, spending your honeymoon in the tropics, or taking a cruise - do it with a UMCCU loan!

We offer a variety of personal loans to suit your needs and fit your lifestyle.

  • Get money for almost any purpose
  • Competitive rates
  • Flexible terms
  • Affordable payments
  • Experienced, personal service
  • Quick, easy application process
  • Local decisions
  • Credit Life and Disability Insurance available

Share Secured

The Credit Union Share Secured loan is available for members who are in need of funds but do not wish to deplete their savings. Your share account will be held as collateral for the loan, and once the loan is paid off, the hold is released. You continue to earn interest on this share account during the term of the loan.

  • Great for building/rebuilding credit
  • This loan is affordable with a fixed low interest rate
  • You can borrow up to 100% of the balance in your Share Savings Account or Certificate of Deposit
  • Flexible terms
  • Credit Life and Disability Insurance available*

Short-term Loans

Home or auto repairs looming? Maybe you’re simply ready for a vacation! Let us help with a Short Term loan.

If you’re currently using a check cashing facility or online payday lender, UMCCU’s short-term loan may be a better option. Not only will you receive the short term funds you need, you will also be building a credit union relationship that will be everlasting.

  • UMCCU offers many different term notes to help build your credit.
  • Short-term loans are Payday Lending Alternatives!
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