Low, competitive rates and friendly, courteous service make your credit union the best place to go for a loan. We've earned a good reputation with our members for personal service, they think of us first when they need money.

You may apply for a loan the same day that you join the credit union. All loans we make at Union Pacific California Employees Federal Credit Union are granted on the basis of your creditworthiness and your ability to repay. When you apply, sign up for Payroll Deduction. It's the convenient way to get your payments to the credit union.

Why Refinance Your Home With Union Pacific EFCU?
Our focus is keeping your best interest in mind. If you get a loan from us, feel confident in knowing that the interest you pay on your mortgage goes directly to pay dividends on share deposits. This contributes directly to strengthening and growing your credit union.

Since UPCU is a not-for-profit organization, it allows us to keep our interest rates competitive and it allows us to almost always have lower fees that other lenders. We will also never add any unnecessary fees to your loan in order to increase our profit.