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Personal Credit Cards

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Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!
 

No matter which card you choose, you'll enjoy important features like:
  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.1 You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!
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Other financial solutions for you.

When your side project becomes a full reno.

For when things go right—and even wrong—you have the option of opening a Home Equity Loan to support your needs, complete that project or make necessary repairs. Keep on building.

Frequently Asked Questions

Who do I contact if I have questions about my personal loan?

Stop by one of our locations near you to speak with a loan officer or use our locator tool to find a mortgage loan officer.

If you'd like to speak with one of our customer support representatives, please call us at 1-800-UCBANK1 (1-800-822-2651).

Can I pay off a loan through the online loan payment system?

Yes! But here’s a few things to remember:

  1. The loan can’t be a revolving line of credit as we do not process and payoff this loan type through the online loan payment system.  Revolving lines of credit include Overdraft Protection, Home Equity Line of Credit, Personal Line of Credit or Business Line of Credit.  
  2. The payment must be $5,000 or less and result in all outstanding principal, interest and applicable fees paid to $0.

Make a Loan Payment

What forms of payment are accepted through the online loan payment system?

The following forms of payment are accepted through the online loan payment system:

  • Debit card
  • ACH - bank account and routing number 

Make a Loan Payment

Are there ways to avoid the fee when making a loan payment online?

Yes, you can open a checking or savings account online and make payments via free online transfers.

You may also complete the online payment registration to pay as a registered user to avoid the fee.

Make a Loan Payment

I’m switching my hazard insurance to a different company. What do I do?

You need to let us know as soon as possible by fax or mail at the address below that you’ve changed insurance companies.  Please include your name, address and loan number, along with the new policy information.

Mail:
United Community Bank
ISAOA/ATIMA
P O Box 7092
Troy, MI 48007-7092 

Fax: 1-248-710-1630

You may also submit your insurance policy online at http://www.expressinsuranceinfo.com/3076927

Please ensure that the mortgagee clause on the new policy matches the name and address above. 

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Learning Center

Financial literacy broken down into 5 components.

According to the Financial Literacy and Education Commission, financial literacy is “the ability to use knowledge and skills to manage resources effectively for a lifetime of financial well-being.” If that felt like a mouthful, an easier way of understanding financial literacy is to break it down into these five components.
Read Article

Things you can do right now for your credit score.

Whether or not you like it, understand it or even know it, you have a credit score. When you boil it down to its most basic definition, your credit score indicates how well you manage your debt and helps lenders determine the risk associated with lending you money.
Read Article

Your Credit Score: What It Is and Why It Matters

If you’ve ever applied for a credit card, bought a car or had a utility turned on, you’ve probably had your credit pulled. You know that three-digit number can be the deciding factor in whether or not you get approved, but you may not know exactly what it is or how it’s determined.
Read Article

Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.