1st Mortgages
USU Charter Credit Union grants Construction Loans, Conventional, FHA and VA 1st Mortgages with the same mortgage application. Most Members find they save money with the Credit Union's 1st Mortgages because the Credit Union features both low rates and lower closing costs.

And the Credit Union Mortgage Department works fast! Closings are often held in as little as 10 days after application.

FlexEquity Line & Fixed Rate 2nd Mortgages
There are no fees and no points or set up fees on the FlexEquity Line over $10,000. The Credit Union also offers a low Fixed Rate on EquiBuilder Loans of $20,000 or more for Members who want to lock in their interest rate.

Borrow against the equity in your Utah home (Cache, Rich, Box Elder or Weber counties to finance major home improvements, cars, boats, RVs, higher education, travel or any other major projects your family has planned. Use a Home Equity Loan or 2nd Mortgage and get the biggest allowable deductions on federal and state income taxes for interest payments on consumer purchases. Ask your professional tax advisor how much you could expect to save using a Credit Union FlexEquity Line or 2nd Mortgage Loan instead of financing plans which offer no tax advantages.

New & Used Car & Truck Loans
For the best rates and terms terms possible on new or used car financing, borrow from the Credit Union. Rates

Boats, RVs & Small Aircraft
Borrow for almost any titled vehicle. Rates

Personal Line of Credit
The Personal Line of Credit is a revolving line-of-credit account (without the plastic) you can draw on, in minutes, without completing another loan application.

Business Loans
For entrepreneurial Members, the Credit Union also participates in the Federal Government's Small Business Administration and USDA Rural Development lending programs.

VISA Credit Cards

Prestige VISA Credit Card
The Prestige VISA credit card interest rate is much lower than most other credit cards and much, much lower than department store charge accounts.



Opportunity VISA Credit Card
The Opportunity VISA credit card is for people who would have a harder time qualifying because of little or no credit history.

Rewards VISA Credit Card
The Rewards VISA credit card is for people who would like to receive cash back for purchases.



College Student VISA Credit Card
College students qualify for the College Student VISA credit card with little or no credit history and establish your credit record.

Other VISA credit cards available include the SmartMoney VISA and the Business VISA.

Student Loans
USU Charter Credit Union makes Government Guaranteed Student Loans including the PLUS Loan and Stafford Student Loan. Contact your school's Financial Aid Office and indicate on the application you want your student loan through USU Charter Credit Union. More Information.
Lender ID # 830146

Checking OverDraft Reserve
Another way to access your OverDraft Line-of-Credit is with your Checking Account.

Signature Loans
Borrow with only your signature (no collateral required) and take up to 3 years to repay at a fixed rate. Use the loan to finance anything you wish. It's a great debt consolidation loan too!

Share Secured Loans
Use your Saving Account or Certificate of Deposit as collateral and borrow at the lowest interest rates offered by the Credit Union while earning full dividends.