Flexible Loans | USPS FCU

Delivering Loans for the Way You Live

Flexible Loans to Support Life’s Milestones

Life moves fast and your loan options should be just as flexible. At U. S. Postal Service Federal Credit Union, we’re here to help you navigate life’s financial moments with confidence. Whether you’re planning, or responding to what’s next, we offer multiple loan solutions designed to meet your needs.

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Auto Loans

Get where you’re going with competitive rates and flexible terms for new or used vehicles. We can also help you shop for your next vehicle. Enjoy a smooth application process and personalized support every step of the way.

Find Out How Much Will My Loan Payments Be?

Financial Calculators

Learn More About Auto Loans

VISA® Credit Cards

Choose the card that fits your lifestyle:

  • VISA Platinum — Simple and straightforward with competitive rates
  • VISA Platinum Rewards — Earn rewards on everyday purchases
  • VISA Secured — A great option to build or rebuild credit

Flexible options backed by trusted service, and lower rates than many other cards.

Explore VISA Credit Card Options

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Home Equity Line of Credit (HELOC)

Tap into the equity you’ve built in your home with access to money when you need it most. A HELOC can help with home improvements, debt consolidation, emergency needs, and more. It provides you flexibility without a lump-sum loan and payments that work for your budget.

Find Out How a HELOC Can Help

Why Choose USPS FCU for Your Loan?

At USPS FCU, we believe your financial tools should support your life, not just your transactions. That’s why our loan solutions come with:

  • Competitive rates that help you save
  • Flexible options tailored to your goals
  • Easy online application and friendly support
  • A partner that gets you and is with you through every milestone

Get Started Today

Explore Your Options

Learn which loan fits your needs.

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INTEREST RATE AND FEE INFORMATION

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. U. S. Postal Service Federal Credit Union NMLS# 501858.

Visit www.uspsfcu.org for rates, fees, other cost information, applicable terms, conditions, and additional disclosures.

All loans subject to credit approval.

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), requires credit union mortgage loan originators and their employing institutions to register with the Nationwide Mortgage Licensing System & Registry (NMLS). A listing of the mortgage loan originators of U. S. Postal Service Federal Credit Union can be found below:

† Important Information:

  • Home Equity Lines of Credit are not available in Texas, Puerto Rico or the Virgin Islands.
  • Maximum LTV (loan-to-value) ratio is 90%. LTV and loan amount is based on the applicant’s credit history.
  • Appraisal and Title Insurance required.
  • Property Insurance required. Flood Insurance may be required, depending on the location of the property.
  • No annual fee.
  • Closing costs can vary based on the location of the property and the amount of the Loan. For loan amounts of $100,000, closing costs typically range between $800 and $2,800.
  • USPS FCU must be in a first1 or second lien position on the deed of the collateral held for any USPS FCU Home Equity Line of Credit.
  • Consult a tax advisor about the deductibility of interest.
  • Other restrictions may apply.

1 Restrictions apply to first-lien positions on Home Equity Line of Credit. Contact the Home Equity Department before applying to receive additional information.

Secure and Fair Enforcement for Mortgage Licensing Act

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), requires credit union mortgage loan originators and their employing institutions to register with the Nationwide Mortgage Licensing System & Registry (NMLS). A listing of the mortgage loan originators of U. S. Postal Service Federal Credit Union can be found below:

  • Arthur Turcotte – 608040
  • Arman Aram – 664974
  • Connie Parham – 608039
  • Cinthia Smith – 715472
  • DeAnna Spanos – 784807
  • Edward Jones – 617743
  • Federico Cura – 2305562
  • Jill Schaeffer – 2588063
  • Joe Chinchilla – 1597974
  • Kerri Dulaney – 1099612
  • Karen Payne – 2567779
  • Michele Waters – 1652416
  • Rhonda Olive – 2537825
  • Shannon Willard – 1111408
  • U. S. Postal Service Federal Credit Union – 501858

If there are any questions, please call 800-877-7328 or visit the Mortgage Licensing System & Registry Consumer Site at www.nmlsconsumeraccess.org.

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 800-877-7328 regarding the locations where HMDA data may be inspected.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

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