Member Stories

Helping Members Get Things Done

The first time Benny G needed to buy a car, he didn’t know much about the car-buying process. He bought a car and originally financed with another institution. But with help from his UFCU representative, Benny worked to improve his credit rating, refinanced his auto loan at a lower rate, reduced his monthly car payment by more than $100, and took two years off of his loan term! With reliable transportation, Benny has found more opportunities at school and work. He’s getting things done.

“Because of my lack of experience, I originally financed my car at a pretty high rate. I knew it was too high, but it was an emergency situation. I really needed a car to get to work and school. I’d heard refinancing might be an option, so I researched it and discovered I had to wait six months before I could refinance. I started thinking about who I could refinance with and remembered running into a UFCU Member while I was out one day. He recommended I check out UFCU. I took his advice and as soon as six months were up, I went to UFCU.

Benny G works on his laptop.My representative was awesome! He helped me do everything. Refinancing my car brought my interest rate down. I learned that refinancing at the new lower rate would save me a lot of money! Refinancing with UFCU dropped my monthly car payment by more than $100 and cut two years off of my loan term!

At UFCU, I don’t feel like I’m at a bank, but more like a friend is helping me get something done. So I like to go in to UFCU for all of my financial stuff now. I’ve moved all of my banking to UFCU. It’s super convenient! I use the mobile app a few times a day, check my accounts, and make transfers for my car payments. I just like everything about UFCU.

They’ve helped me understand my credit rating. They told me my credit score was just two or three points from reaching the next status, and explained that I might be able to get an even better rate with a higher credit score. They suggested I come back in a couple of months and hopefully I would be at the next level. That’s when it lowered again. It was great for me.

I will be able to use the money I’ve saved for other things. Having lower payments obviously helps with that. UFCU opened the door to more opportunities by helping me with transportation, which has helped me with school and work.

I had always heard that credit unions were much better than normal banks. Knowing that, plus talking to people that had good experiences with UFCU convinced me. It all came together pretty well. This is by far the best banking experience I've ever had.”

Name Benny G
Member Since 2016
Services Free Checking, Auto Loan, Credit Card