New & Used Auto, Truck, Van
Sometimes the dealer's "special" financing is a good deal. More often, though, it has strings attached-limited vehicle selection, short loan terms, lost rebates, higher prices, and so on. Credit union financing plus the dealer's best cash price is usually the way to go. We can pre-approve your loan-there's no cost-which makes you, in effect, a cash buyer when you negotiate with the dealer. Whatever you do, be sure to check with us before you accept his financing.
 
Get your auto financing right at the dealership! Teamsters Credit Union and Credit Union Direct Lending (CUDL) have partnered allowing you access to hundreds of dealerships where you can get your Credit Union financing approved. Just visit any participating CUDL dealer, identify yourself as a Teamsters Credit Union member, and request your financing through the CUDL system. From 7 a.m. to midnight, 7 days a week, including holidays, we can approve your new or used auto loan while you are at the dealership without visiting your Credit Union. The program uses Teamsters Credit Union’s current low rates and terms when applying. It’s like having a loan officer right at the dealership!
 
The way CUDL works is:
1. Decide on the make and model of the vehicle you want.
2. Visit any participating dealership
3. Apply for Teamsters Credit Union’s low rate financing right at the dealership. Within minutes, you’ll have a financing decision.
4. Once financing is approved, the dealer receives our rates and terms, completes the sales contract and you drive off in your new car.
 
To find participating dealers near you, click on the CUDL logo above, or visit www.cudirect.com. Once you are at that site, click on the “Dealer Locator” link. Or call 888-CUDIRECT and speak to a CUDL staff member who can help you locate a dealer. This link also offers valuable articles, information, Kelley Blue Book, NADA, payment calculator, Carfax, and car buying tips.
 
Need a car? The Credit Union recommends Auto Solution, who not only specializes in new, but used cars as well. Call Greg at 503-238-2429 or 1-800-207-2429. Or visit their web site to locate the exact used car you're looking for. Or build a new one with Web Car Book.

Refinancing
We have a standing offer to refinance any fixed rate consumer loan that a member has at another lender for a rate 1% lower than the rate that member pays now, down to the current minimum rate in effect at the Credit Union. Refinancing usually saves thousands of dollars in interest over the life of most late model car loans, for example. There's never a loan fee, so it's like money for nothing!

MasterCard® Credit Card
Worldwide acceptance. No annual fee. Rates as low as 7.99% APR. (Get a cash advance by phone! We'll send you a check or deposit it to your account.) 25 day grace period. No liability for a lost or stolen card. $250,000 travel accident insurance. Credit life & credit disability insurance. Minimal late fee. No over limit fee. We could go on, but you get the idea. Your Credit Union MasterCard® is the solid financial value you want in a credit card. Review the disclosure -- Apply for a TCU MasterCard®.
 
To report your credit card lost or stolen please call 1-800-449-7728

MasterCard® SecureCode -- Introducing MasterCard Credit Card SecureCode -- a new online security service to guard you against unauthorized use of your MasterCard credit card while shopping online at participating merchants. There is no need to get a new card, no software to download, no cost, and no hassles... just added security. Once enrolled in this service, you'll have added confidence knowing that MasterCard Credit Card SecureCode performs an extra authentication step to protect your account from unauthorized users online. More.
 
To report your card lost or stolen please call 1-800-449-7728

Personal Loan & Line of Credit
Your good credit entitles you to a good loan. With a personal line of credit you can advance yourself the funds you need, as you need them, at a low variable rate that beats using bank cards or store accounts. With a signature loan you can obtain a lump sum of cash at a low fixed rate with a set number of payments.

Other Consumer Loans
Ask us about loans for any items not mentioned above. Computer loan? You've got it! A new ATV or jet-ski? No problem! We also offer share secured, Certificate secured, and severance secured loans at very low rates. Check our Current Loan Rates. Applying for a loan is easy-you can do it over the phone in most cases!

Credit Insurance
As your financial partner, we also want to protect the investment you make in a Credit Union loan. We offer optional credit disability and credit life insurance that makes loan payments for you if you are disabled or pays off the loan if you meet an untimely demise. Coverage is available for a nominal cost that can be included in your monthly payments. It's one less financial stress for your family if the worst should happen.

Skip-a-Payment Program
Each year our members with consumer loans have the opportunity to defer a loan payment during the holiday season. Our "Skip-A-Payment" program gives participants extra cash at the time of year when it's needed most.

Teamster Strike Policy
Look to your Credit Union for help in the event of a Teamster strike or lock-out. We have the most liberal loan extension policy in the nation-up to six months for all but real estate loans (and we'll even modify those, when feasible).