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Drive Your Dream Car with UFCU! - The Galveston County Daily News: Business Review

December 5, 2016

Drive Your Dream Car with UFCU!

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Posted: Tuesday, June 11, 2013 12:00 am

Are high auto loan rates keeping you from driving the car of your dreams? Now is the perfect time to realize your dreams and take advantage of University Federal Credit Union’s (UFCU) low auto loan rates. 

“UFCU is offering auto loan rates as low as 2.15% APR* with our Membership Rewards Program,” explains Jill Kaiser, UFCU Galveston Regional Financial Center Manager.

With UFCU Membership Rewards, members can receive up to a 1.50% auto loan rate discount based on their relationship with UFCU. “The more you utilize UFCU’s products and services, the more you save,” said Kaiser. 

In addition to low rates, UFCU auto loan benefits include up to 100% financing on a new or pre-owned vehicle; fast approval, flexible terms and up to 90 days to your first payment and low-cost GAP (Guaranteed Auto Protection), debt protection, mechanical breakdown protection and auto insurance.


Refinance Your Loan

 From Another Lender

Do you love your current vehicle, but not your loan payment? Save money this summer by lowering your car payment. If you financed your vehicle with another lender, give UFCU a chance to refinance it and lower your monthly payments. 

“In the last 13 years, over 27,000 members refinanced their vehicles with UFCU, and we gave them back over $27 million in interest they would have paid if they had kept their original loan with another lender,” said Kaiser. “The process is easy, and UFCU will pay the title transfer fees.”

For more information or to apply online, visit wheels101.com.


Checking Accounts with Options

Don’t let minimum balances and checking account fees ruin your fun in the sun this summer; open a UFCU Free Checking account today. “When UFCU says free, we really mean it,” said Kaiser. With UFCU Free Checking, members receive unlimited lobby, drive-thru and contact center transactions and no minimum balance requirements. 

UFCU also offers Plus, Premium and Teen Checking accounts. And, all UFCU checking accounts come with an Instant Issue VISA® Debit/Check Card. “You can walk in, open a checking account and walk out that day with an active debit card,” said Kaiser.



Don’t get burned by overdraft fees with UFCU’s ABILITY™ VISA® Prepaid Debit Card, the alternative to traditional checking. This card is easy-to-use with convenient reloadable capabilities 24/7. The UFCU ABILITY Card eliminates the concern of going into debt or overdrawing your account; you can only spend what you deposit into your account. 

“Whether you are a student, online shopper or a traveler, you’ll get to enjoy spending the money you’ve earned stress free,” said Kaiser.

Additional features of the UFCU ABILITY Card include:

• Access your account via Mobile Banking, Online Banking, ATMs and over 5,000 locations. 

• Make purchases wherever VISA is accepted, including online purchases. 

• Get paid via Direct Deposit. 

• Pay bills…and more! 


UFCU Everywhere!

Whether you are traveling for summer vacation or enjoying a stay-cation at home, you can access your UFCU account anywhere and everywhere. All UFCU accounts receive free Online Banking, Mobile Banking and Mobile Deposit.

“Mobile Deposit provides smart phone users a fast, secure and convenient way to deposit checks into their UFCU accounts from home,” said Kaiser.  

Bill Pay, a safe, hassle-free way to set up online payments for a member’s recurring expenses, is offered free to all UFCU checking account holders.  

“Even off the island and around the country it’s easy for UFCU members to perform transactions,” said Kaiser. UFCU is part of the National Shared Branch Network that provides more than 5,000 locations nationwide where members can go for basic transactions: deposits, withdrawals and loan payments — at no cost. Texas has over 300 such locations.



UFCU invites you to stop by the Galveston Financial Center located at 428 Postoffice Street and experience how easy it is to become a member. 

For more information about UFCU’s products and services, visit ufcu.org or contact Jill Kaiser at 409-797-3300 ext. 21501 or email: JKaiser@ufcu.org.  

This credit union is federally insured by the National Credit Union Administration.

*APR = Annual Percentage Rate. Rate is NOT available on loans already financed with UFCU, is based on 55 to 75 month term and includes up to a 1.50% rate discount for Membership Rewards. Your rate may be higher or lower based on your credit, the term of your loan and Membership Rewards. Visit ufcu.org for complete Membership Rewards criteria. Rates subject to change without notice.