NMLS#: 196511

Home Equity Loans

Home Equity Loans are fixed rate loans with a specific term from five to fifteen years, resulting in a fixed monthly payment. You may borrow up to eighty percent of the available equity on your primary residence. This type of financing is appropriate for major expenses that are best paid over time and factored into the household budget, such as home improvements, college tuition and other big ticket expenses.

Home Equity Line of Credit

A Home Equity LOC grants the borrower a specific loan amount that may be drawn upon when a borrowing need arises using a line of credit. Unlike fixed rate and term loans, the line of credit has a variable rate, tied to the Wall Street Journal Prime Rate and payments are calculated each month based on the principal balance and the accrued interest. This type of loan is best used for emergency cash needs, taxes, insurance premiums, medical payments, and other short term financial situations. Subject to limitations, the interest on loans secured by real estate may be tax deductible. Check with your tax advisor for qualifications.

New and Used Auto Loans

Thinking of buying a new or used car? Your credit union can help. We offer loans for both new and used cars with low interest rates, flexible terms and quick service. We can help you determine an affordable monthly payment, and pre-approve you for an amount prior to you selecting your new set of wheels. You’ll often see the dealer offer spectacular rates for automobile financing. A closer inspection of these offers may alert you that the rate is good for a specific term, usually a relatively short period of time, and are normally offered exclusive of any rebate programs. While these rates are certainly attractive, check out the corresponding monthly payments to determine affordability. If you are buying a new car, consider a low rate loan from the credit union, combined with dealer rebates, to lower the cost of the purchase. The rebates can reduce the price and the interest rate we offer may match or beat the dealer’s offer.

ENTERPRISE Car Rental at Denver Airport (DEN) Looking to buy? Enterprise Car Sales offers great deals to members of UDBell.

Personal Loans

UDBell offers a host of options to tailor a personal loan to your specific needs. Whether you need money for bill consolidation, travel, vacation, holiday, or an unexpected emergency; our loan officers will help structure the right loan for you.


If you aren’t using your credit union VISA®, you may be missing some potential savings and the protection VISA® provides. Did you know that we offer a credit card with an interest rate as low as 8.90% with no annual fee? Compare that to the cards you may have from other institutions and see how ours compares. In addition to the low interest rate you also get the customer protection that VISA® offers to its consumers. Applying is easy.

Secured Loans

Do you have an unexpected expense that threatens to substantially reduce your share account? Are you looking to borrow money at a reduced rate? Can you pay back a loan faster than you can save? Are you having difficulty in getting credit? If you answered “Yes” to one or more of these questions, we have a solution. The Secured Loan program enables our members to borrow money by pledging the Share Account or Certificate of Deposit as collateral for the loan, thus the term “Secured”. You are borrowing your own money on deposit with the credit union, usually paying a rate of 2% to 3% above the dividend rate, depending on the type of account held as collateral. The current rate on a loan secured by a Share Account or Super Share Accounts is very competitive. Loans secured by Certificates of Deposit are priced at 3.0% over the CD rate, with a minimum of 3.99%.

Credit Builder Loan

For members who are trying to build or repair their credit, UDBell offers a short term loan with a 6 month payback. Amounts up to $1,000 are available to members in good standing for at least 90 days with two current paystubs.

Qualification for loans: You must be a member of the credit union with activity in your account for at least three months.