Rate Drops Are In Season at 1st United

Rate Drops Are In Season

Your Loan. Your Way.

We're making it easier and more affordable to reach your goals this season. From holiday shopping to lowering your car payment, our newest loan offers are designed to help you save. Apply by December 31, 2025 with promo code DROP to take advantage of these discounted rates.

Check to see if you're already pre-approved!

Three Ways to Save This Season:

Visa Platinum Cards
0% Intro APR for 6 Months

On purchases and balance transfers made from October 1 through December 31, 2025.

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Auto Loan Refinance
as Low as 4.99% APR

Refinance from another lender and save. Plus no payments for 60 days!

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Personal Loans
as Low as 7.89% APR

Borrow for life's biggest expenses—holiday plans, debt consolidation, or a fresh start for the new year.

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Apply Online or Schedule an Appointment

Simply apply online with promo code DROP or schedule an appointment to speak with one of our financial service representatives. But hurry, this offer ends December 31, 2025.

Apply Online
Promo Code DROP

Auto Refinance: APR (Annual Percentage Rate) as of October 1, 2025. Loan cannot be used to reﬁnance an existing 1st United Credit Union loan. Offer is for a limited time, may be withdrawn at any time, and may not be combined with other offers. Loans are subject to credit approval. Your rate may vary based on creditworthiness, age or value of vehicle, amount financed, and terms and conditions. Add 2% for year models 2018 and older or mileage over 100,000. Minimum loan of $5,000. Proof of insurance required. Refinancing may extend the term of your loan. Interest will continue to accrue during the 60-day no-payment period. Loan payment example: $16.10 per month for each $1,000 borrowed at 4.99% APR for 72 months. Must use promo code DROP. Account must be in good standing. Personal Loan: APR (Annual Percentage Rate) as of October 1, 2025 and is subject to change. Loan cannot be used to reﬁnance an existing 1st United Credit Union loan or line of credit. See current personal loan rates. Lowest rate quoted. Limited-time APR ranges between 7.89% and 20.89%. Must use promo code DROP. Your rate may vary based on creditworthiness, amount financed, and terms and conditions. No pre-payment penalty. Loans are subject to credit approval. Quoted rate for terms up to 24 months. Loan payment example: $45.18 per month for each $1,000 borrowed at 7.89% APR for 24 months. Visa Platinum: APR (Annual Percentage Rate) as of October 1, 2025, is a 0% introductory rate for six (6) months on purchases and balance transfers made through December 31, 2025 using promo code DROP, then reverts to the standard variable rate tied to the Prime rate, currently 12.65%–22.65% for Visa Platinum and 13.65%–23.65% for Visa Platinum Rewards, is based on creditworthiness, and is subject to change. Offer may be withdrawn at any time and cannot be used to pay any 1st United loan or line of credit obligation. Account must be in good standing. Offer does not apply to Visa Platinum share secured cards. Promotional rate reverts back to the standard rate if a payment is late or missed. Payments are applied to lowest-rate balances first. All 1st United credit cards require consent to recovery of delinquent balances from Credit Union shares. Foreign transaction fees are 2.00% of each transaction in United States dollars (USD) and may be assessed on purchases or online purchases made in the United States if the merchant is in a foreign country. Loans are subject to credit approval. Cannot be combined with any other offer. Program is subject to Terms and Conditions. View our full promotional Visa disclosure (PDF 295KB).