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Perfect for the Season

12-12-12 Loan... $1,200 at 12.00% APR* for 12 months

Just in time for the holidays

Get all your holiday preparations taken care of - gifts, parties, and more - with some extra cash from our 12-12-12 Loan.

Here's how it works

  • Contact our lending services (503) 275-0300 option 2 or (800) 452-0915 option, or email loans@usacu.org to get started.
  • $25.00 applcation fee will apply.
  • A member of the Lending Services team will connect with you to get some documentation such as proof on income, but no credit pull is required.
  • Upon approval, you will get $1,200 to use as you like. The rate is 12.00% APR* with a 12-month term, so monthly payments are right around $107.

*APR = Annual Percentage Rate. For established memberships (over 90 days old) there is no credit pull, although proof of income and other terms/conditions are required. Any loan that falls outside of these terms/conditions will be subject to a credit pull and must adhere to established loan guidelines. For new members, a credit pull in addition to proof of income will be required. A $25.00 application fee will be charged to all applicants (whether approved or declined). Only one 12-12-12 loan is allowed at a time. 12-12-12 Loans are available beginning November 13th - December 31st, 2018. Connect with Lending Services for complete details.