United Advantage gives you the boost you need

Your big plans require loans that work for you.  We’re the credit union that provides loans that fit your unique needs and budget.  Whatever you want to achieve, we’ll help you get there with flexible terms and competitive rates that give you more borrowing power.

Auto & Trucks

Get the ride of your dreams at a great rate.

Recreational Vehicle

Vacation in style with that new RV.


Whatever your needs, we can help.


Get away from it all, without the high interest.


It’s your big day and you want it to be perfect.  We make the money part as worry free as possible.


Ride the open highway or simply show off your Harley.


Whatever comes up, we want you to relax and get well.


Taking care of the mouths in your home can be expensive. Let us help.

Debt Consolidation

Ditch the high interest cards for one comfortable payment.


We can help you get a sweet bike for navigating the urban lanes or biking the mountain trails.


Ride the waves in style with your new boat.

Credit Card

Earn rewards with a fixed low rate.

Education Expenses

The cost of books, shoes and coats can add up.  We can help!

Bucket List

If your list is bigger than your wallet, we can help you check off a few of those adventures.

Home Loans

We can help you move into, refinance or remodel the home of your dreams.  Talk to an expert today.

Get on the road to great auto loan rates.

  • Explore some of the best auto loan rates in town
  • Financing options on new and used cars, trucks and SUVs
  • Pre-approval process helps you determine what you can afford

Buying a car over the weekend?
Our Credit Union Direct Lending (CUDL) Program allows you to buy from over 175 local dealerships and get UA financing on the spot!  Just tell your salesman that you’re a United Advantage NW FCU member and they will handle the rest.

Make a lifetime of memories with a new motorhome, boat, ATV, motorcycle or anything else that moves you in the Pacific Northwest and beyond.

Hit the trails, highways and waterways

  • Financing options on new and used recreational vehicles
  • Pre-approval process helps you determine what you can afford

For whatever expense or projects that come up, we have the loan options that fit the bill.

  • Personal loans and lines of up to $20,000
  • Borrow against the value of your savings account
  • Use for any purpose

Our simple, low rate, no gimmicks credit card gives you the spending power you need.

  • No annual fee
  • No cash advance fee*
  • No balance transfer fee
  • Grace period on new purchases
  • Earn ScoreCard Rewards points on qualifying purchases
  • Register for card alerts
  • Easily make payments or cash advances online 24/7

*Cash advances do incur finance charges beginning on the date of posting.

ScoreCard Rewards disclosure – Every dollar in qualifying purchase transactions minus returns (“Net Purchases”) that you make with a UA Credit Card earns one point. No points are earned for finance charges, fees, cash advances, foreign transaction currency conversion charges, ATM withdrawals, or insurance charges posted to your account. Call ScoreCard at 800-854-0790 for complete information about rewards.

It easy to make payments on your UA loan

  • Make loan payments from savings and checking accounts at UA or at other financial insitutions
  • Set up one-time and recurring payments in Online Banking
  • Skip A Pay options can help free up cash to cover unexpected expenses*

We’ll help you get the protection you need
Check with us first! We have some of the best prices around for GAP, VSC and Debt Protection.

  • Guaranteed Asset Protection (GAP) to help cover the difference between an insurance settlement and your loan balance in the event of a totaled or stolen vehicle.
  • Life, Disability and Unemployment protection can be a valuable supplement to your other policies
  • Protect yourself from the cost of a major breakdown with a Vehicle Service Contract (VSC)
*Some limitations and qualifications apply.  Contact Us for more information about our Skip A Pay program.

See loan disclosures for more information.