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To tell the truth, it was my first time buying a car and I didn’t know very much about the car-buying process. Because of my lack of experience, I originally financed my car at 18%. 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. That’s when I met Moses.
Moses is awesome! He helped me do everything. When I initially financed my auto loan, my car was going to be $24,000 on a $13,000 car. Refinancing my car brought my interest rate down to 2.9%. I learned that refinancing at the new lower rate would save me about $10,000! 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 see Moses 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.
Moses also helped me understand my credit rating. He told me my credit score was just two or three points from reaching the next status. Moses explained that I might be able to get an even better rate with a higher credit score. He suggested I come back in a couple of months and hopefully I would be at the next level. That’s when it lowered it from 3.6% to 2.9%. It was great for me.
I will be able to use the money I’ve saved for other things. For example, I have an internship next semester where I’ll have to work 40 hours per week without pay. So 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 Auto Loan, Credit Card
Representative Moses C