FAQs related to our home, auto, bicycle, and more.

Popular Questions

That’s easy. Purchase your vehicle through our CUDL program, where more than 175 local dealerships can approve your loan for Unitus financing right on the spot! Simply tell your salesman that you’re a Unitus member and they can handle the rest.

Your title can be released the next business day if your payoff is made via payroll deduction, a cashier’s check or transfer from available funds. Otherwise, the title to your vehicle will be released in about 10 business days.

GAP Coverage helps avoid the situation where someone’s car is totaled or stolen and their insurance coverage doesn’t cover the full cost.

Many insurance companies only pay the ‘Actual Cash Value’ of the vehicle. In most cases, this doesn’t equate to the loan balance, and the borrower is left paying the difference.

To protect members from this unpleasant situation, we’ve partnered with Allied Solutions to offer an inexpensive solution. Named Guaranteed Asset Protection Insurance (GAP), our GAP program waives the difference between your primary insurance company’s settlement and your Unitus auto loan balance, meaning less delinquent payments and fees, refundable service warranty contracts and other insurance related charges.

GAP is offered to members for a low one-time fee and is good for the life of your loan. If for any reason you are unsatisfied with this coverage, you can cancel the protection and receive a full refund during the first 60 days.

To make your decision even easier, we offer several payment options. You can add the premium to your auto loan (which will increase the payment accordingly), write us a check, or transfer the full amount from your Unitus savings or checking account.

For a quick quote or to learn more about our program contact us at 503.423.8770.

Unitus is the lien holder on your vehicle. In the event your vehicle is totaled or stolen, the insurance company will need to send the claim check directly to Unitus to be applied against your loan balance.

If you have a vehicle loan with Unitus, you are required to maintain full coverage insurance at all times, with a maximum deductible of $1,250. CPI, or Collateral Protection Insurance, is added by Unitus only if you are not able to provide this proof of insurance.

CPI is more costly than regular vehicle insurance, doesn’t cover your liability, and only protects the Credit Union’s interest in the vehicle. If you are billed for CPI, we strongly encourage you to obtain vehicle insurance and then contact the Credit Union.

If you have a vehicle loan with Unitus, you are required to maintain full coverage insurance at all times, with a maximum deductible of $1,250.

Under most circumstances, a consumer loan application can be approved online within sixty seconds and a first mortgage application in about 15-20 minutes. In some cases, a loan request may take a bit longer to review, but we usually return a decision within the next business .

Yes, Unitus offers our members loans on new and used snowmobiles, ATVs and personal watercrafts. They are classified as Small Recreation Vehicle Loans which also include motorcycles, tent trailers, etc.

Unfortunately, we cannot access your credit score until you submit an application. If you know your credit score we can provide an estimated rate, then confirm it once you have submitted your application and we can access your score. The majority of our applicants receive the lowest quoted rate.

The standard late payment fee of 5% of payment due or $20, whichever is greater.

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