Products & Services
Low-Cost Loans

Have you ever financed a vehicle with a credit union? Low-cost loans are the heart of the credit union movement. Unity One Credit Union finances new, used and leased cars, motorcycles, RVs, ATVs and boats at competitive rates. We pride ourselves in quick and fair loan decisions and a knowledgeable staff.

Types of Vehicle Loans Click on a link below to learn more.


Rates for New or Used As Low As 2.40% APR*

Apply for Auto Loan Now

Do you have a loan somewhere else?
Refinancing your current auto loan from another institution to Unity One could save you money each month. Rates are great, and now is the perfect time to refinance! Click here to see if we can save you money and move your loan!

When you're in the market for a low cost loan on new or used car, start with Unity One Credit Union! We offer automobile and recreational vehicle loans at competitive rates and convenient terms up to 60 months. Longer terms are available for loans over $15,000.

When you're in the market for a low cost loan on new or used car, start with Unity One Credit Union! We offer automobile and recreational vehicle loans at competitive rates and convenient terms up to 60 months. Longer terms are available for loans over $15,000.

  • Great Low RatesOften the lowest in the market when it comes to low cost loans.
  • Automatic PaymentsHave your payments automatically deducted from the checking account of your choice or deducted right from your paycheck.
  • GAP Coverage (optional)Will help pay off your loan in the event you total your vehicle by paying the difference between the current value of your vehicle (which your auto insurance company may pay) and the balance of your loan. Because of the price of vehicles these days, it's not uncommon to be "upside down" on your loan, meaning you owe more that it may be worth. The best part about our GAP coverage is that it only costs you $300 to cover the auto loan and we can roll it into your monthly payments.
  • Mechanical Breakdown Insurance (optional)MBP provides protection against mechanical breakdowns beyond your existing manufacturer warranty.
  • Credit Life and DisabilityOur coverage will help make your monthly payment on your loan in the event you become disabled and pay off your loan if you become deceased.
  • InsuranceCompare today and you could save with TruStage.

Credit Union Leasing (Texas residents only) Unity One Credit Union has partnered with FairLease to offer members the option of leasing their vehicles. From lease origination to lease end, we are confident that FairLease will provide you with the information you need to make informed, educated decisions. Is credit union leasing the right option for you? Get a quote.

  • No cash down required at signing
  • No hidden fees
  • No early termination penalties
  • Lower monthly payment
  • No depreciation risk
  • Potentially more car for your money

Programs and Protection

First-Time Auto Buyer Program for Students Help your child establish good credit with our first-time auto buying program. It enables your student to purchase a new or used auto in their name with a parent as the co-applicant on the loan and an owner on the title. This also gives them the opportunity for a low cost loan with a better rate and flexible payment options.

TruStage Auto & Homeowners Insurance Program Compare your insurance company with the TruStage Insurance Program that offers credit union member discounts. Click on the ad above and start saving today!

Credit Life Protection for Auto LoansReduce or pay off your outstanding auto loan balance, up to the policy maximum, if you become deceased before paying off the loan.

Credit Disability Protection for Auto LoansEnsure your ability to make your monthly loan payment should you become disabled due to a covered illness or injury.

*APR = Annual Percentage Rate. Rates quoted as annual percentage rate and "as low as". Terms may vary depending on creditworthiness. Rates subject to change without notice. You must qualify for the lowest rate.

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Rates for New Motorcycles As Low As 5.40% APR*
Rates for Used Motorcycles As Low As 7.40% APR*
If you're looking for low-cost financing on a motorcycle, look no further than Unity One Credit Union! We offer motorcycle loans at competitive rates and payback terms up to 60 months, depeneding on the model year.


Refinance with Unity One!

Refinance your motorcycle loan from another institution and you could save money each month!

Loan Protection

Credit Life Protection for Motorcycle LoansReduce or pay off your outstanding motorcycle loan balance, up to the policy maximum, if you become deceased before paying off the loan.

Credit Disability Protection for Motorcycle LoansEnsure your ability to make your monthly motorcycle loan payment should you become disabled due to a covered illness or injury.

*APR = Annual Percentage Rate. Rates quoted as annual percentage rate and ?as low as?. Terms may vary depending on creditworthiness. Rates subject to change without notice. You must qualify for the lowest rate.


Rates As Low As 2.40%


When you're in the market for a boat or recreational vehicle take advantage of credit union financing! We have boat and recreational vehicle loans at competitive rates and convenient terms up to 60 months.

  • Automatic PaymentsHave your payments automatically deducted from the checking account of your choice or deducted right from your paycheck.
  • Credit Life and DisabilityOur coverage will help make your monthly payment on your loan in the event you become disabled and pay off your loan if you become deceased.

Refinance with Unity One! Refinance your boat loan from another institution and you could save money each month!

Loan Protection

Credit Life Protection for Boat LoansReduce or pay off your outstanding boat loan balance, up to the policy maximum, if you become deceased before paying off the loan.

Credit Disability Protection for Boat LoansEnsure your ability to make your monthly loan payment should you become disabled due to a covered illness or injury.

*Rates quoted as annual percentage rate and "as low as". Terms may vary depending on creditworthiness. Rates subject to change without notice. You must qualify for the lowest rate.


Rates As Low As 2.40%
Let?s hit the road with low-cost financing on your RV or other vehicle from Unity One Credit Union. We?ll work with you and our preferred dealers to make your buying experience uncomplicated. If you?re satisfied, we are too.


When you're in the market for a RV or another type of recreational vehicle take advantage of credit union financing! We have recreational vehicle loans at competitive rates and convenient terms up to 60 months.

  • Automatic PaymentsHave your payments automatically deducted from the checking account of your choice or deducted right from your paycheck.
  • Credit Life and DisabilityOur coverage will help make your monthly payment on your loan in the event you become disabled and pay off your loan if you become deceased.

Refinance with Unity One! Refinance your boat loan from another institution and you could save money each month!

Loan Protection

Credit Life Protection for RV LoansRReduce or pay off your outstanding RV loan balance, up to the policy maximum, if you become deceased before paying off the loan.

Credit Disability Protection for RV LoansEnsure your ability to make your monthly loan payment should you become disabled due to a covered illness or injury.

*Rates quoted as annual percentage rate and ?as low as?. Terms may vary depending on creditworthiness. Rates subject to change without notice. You must qualify for the lowest rate.