Do Your Finances Have You Gasping For Air?

U$X Federal Credit Union is offering a NEW consumer-friendly service that provides an alternative to payday lending. U$X Federal Credit Union has a strong commitment to helping members manage their financial needs without resorting to high-cost products such as payday lending.

Better Choice Loan Program Guidelines:

  1. Minimum age of 18.
  2. Must be a member for 90 days (3 months).
  3. Need no credit score for approval.
  4. Must be a member in good standing.
  5. One Better Choice Loan at a time.
  6. $20.00 applications fee – may be financed.
  7. 18% annual percentage rate.
  8. $500.00 maximum loan payout in cash.
  9. $50.00 deposit to savings (on hold until loan is paid in full).
  10. Maximum 90 day loan term (repayment is the same as your payroll schedule – 3 monthly, 7 bi-weekly, 6 semi-monthly or 13 weekly payments).
  11. Loan repayment – must be automated – must have an established Payroll Deduction or Direct Deposit.  First payment due date must coincide with payroll deposit date.
  12. A minimum of 3 hours of Balance Financial Counseling before a second Better Choice Loan may be disbursed.

Let U$X Federal Credit Union help you realize yor financial goals. To learn more about the Better Choice Loan Program, visit your local branch office or call 1-888-219-3159.



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Your savings are federally insured up to $250,000
Federally insured by NCUA
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