Loan types - UT Federal Credit Union
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Loan Types

Life transitions. Life opportunities. Life dreams.

Make them happen with flexible, savvy loan solutions, competitive rates, and repayment schedules that match your life pace perfectly.

Learn more about your options by reading the summaries below.

A woman in her new car after applying for one of our loan types

Automobile Loans

UTFCU has some of the best car loan rates in our market. Get pre-approved before ever visiting the lot and use Webcar Book to find actual dealer and list costs for your new or used vehicle.

A happy family in front of their home, whose mortgage is with UTFCU


UTFCU makes financing your dream home easy with competitive rates and flexible financing options. Work with one of our loan officers to find the first or second mortgage that best suits your needs.

A happy family after recieving one of our home equity loans

Home Equity Loans

UTFCU Home Equity loans are a great way to finance family plans by borrowing against the equity in your home. We offer home equity lines of credit and fixed rate second mortgages.

A woman driving her new car financed by an indirect automobile loan

Dealership Automobile Loans

Get the same low auto loan rates you would get at the credit union without ever leaving the lot.

A woman enjoying her new credit card, which is one of our loan types

Credit Cards

Our credit cards feature highly competitive rates and have no annual fee!

A child receiving dental services.

Personal Loans

UTFCU makes it easy to get money for the things you need, whether it’s a new computer for school, car repairs, or elective surgery or dentistry.

Another one of loan types is our student loans

Student Loans

With college costs growing fast, it’s time to borrow smarter with the Sallie Mae Smart Option Student Loan®. If you’re attending school at the University of Tennessee, this could be a good option for you.