No matter where life takes you, United Community is always ready to help you when you need it most. Whether you need a new car or you're remodeling your home, we have a loan solution to fit your needs and lifestyle. Our members can rely on us to provide low rates, flexible payment terms, local decision making and the best service around! So, whatever your needs are, check with us first! Please call one of our knowledgeable Loan Specialists today to get your loan started today!

West Mifflin Office Cindy - (412) 653-8000 x111 Lydia - (412) 653-8000 x112 Washington Office Rose - (724) 228-2020 x214 Wilmerding Office Diane - (412) 824-8248 x302 Sharyn - (412) 824-8248 x304

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Applications

Need a loan? Fill out a quick mini-application. We’ll be in touch right away to discuss your lending needs. You can also apply for a loan by calling us at (412) 653-8000 or stopping by one of our convenient branch locations in West Mifflin, Washington or Wilmerding, PA.

New & Used Vehicle Loans

When you are ready to purchase a new or used car, come to United Community first. We offer 100% financing with low rates and extended terms for more affordable payments. We also offer free pre-approvals, so you know exactly what your interest rate will be before you get to the dealership. Pre-approval gives you more bargaining power on the lot, because you won’t have to negotiate financing – you will only have to negotiate the price of the vehicle!

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Refinancing Opportunities

Keep your car, trade in your loan! We would love an opportunity to take a look at your existing loans, from another financial institution, to see if we can save you money by refinancing* with United Community FCU. Get more information on refinancing your existing loan from another institution! We can't wait to save you money and get your loan paid off sooner!

*Current UCFCU loans do not apply for refinance opportunities. Contact the credit union for complete details.

Visa® Credit Cards

Accepted worldwide, a United Community FCU Visa Credit Card is the one you’ll want to have in your wallet! Visit https://www.myaccountaccess.com/onlineCard/login.do?theme=elan0&loc=07653 for additional Visa® Information.

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Verified By Visa®

This is a unique service that uses personal passwords or identity information to help protect Visa card numbers against unauthorized use. Once activated, your Visa card number cannot be used for online purchases without your personal password. Verified by Visa is available for most Visa cards from participating financial institutions.

Verified by Visa provides an extra level of protection for online shopping. Visa always protects its cardholders against unauthorized use, but Verified by Visa helps to prevent unauthorized use online before it happens.

Share Secured Loans

Enjoy a significantly lower interest rate when you secure your loan with the money in your Share Savings Account. You will continue to earn dividends on your savings, making this a better choice when you need to borrow cash for vacation expenses, home renovations, college tuition, or for any other reason.

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Unsecured Signature Loans

Make a special purchase, finance a vacation getaway, or use it for any unexpected expense – the choice is yours! All we need is your signature and good credit to offer you a low interest rate and affordable terms.

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Fixed-Rate Home Equity Loans

United Community can also help you upgrade your current home. We offer Home Equity Loans at low, fixed rates for kitchen remodeling costs, bathroom renovations or any other home-related project. You can also borrow up to 80% of your home’s value for other expenses, such as a family vacation or college tuition. Home Equity Loan interest rates are typically lower than other loan rates, plus the interest on your loan may be tax-deductible! (Consult your tax advisor for details.)

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Home Equity Line of Credit (HELOC)

Having equity is a great statement of how hard you've worked to own your home.  It's also a great way to secure a loan for those projects and goals, planned or not, that you want to accomplish.  A home equity line of credit can be used for just about anything!  You may be approved for up to 80% of the appraised value of your primary residence, less any outstanding mortgage.  Contact us for more information. 

Bill Consolidation Loans

Bring two or more of your outstanding high interest rate loans to United Community, and we can consolidate your balances into a low interest rate Consolidation Loan. By consolidating, you lower the amount of interest you pay over the life of your loan, and you could also lower your monthly payment!

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Sallie Mae® Student Loans

Wherever you are in your higher education, get the money you need for school. Student loans from United Community FCU in partnership with Sallie Mae® could help!

Sallie Mae® student loans are designed for the needs of all types of students.

• Competitive interest rates
• Multiple repayment options
• No origination fees; no prepayment penalty1

Smart Option Student Loan®

Plus, the graduate loan suite is designed to meet the needs of students in specific fields of study.

Find out which loan is right for you.

Borrow responsibly

We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. United Community FCU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply. Click here for additional eligibility information about each product.

1 Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. © 2022 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.