Graduation Loan Discounts for New Graduates

UMCU members who graduated within the past 12 months qualify for 0.50% off the APR on a new auto loan or personal loan.

Your Graduate Discount, Two Ways to Use It

Get behind the Wheel: Enjoy a 0.50% APR Auto Loan Rate Discount¹

Whether you’re commuting to a new job or heading out on a post-grad road trip, get there for less. Take 0.50% off APR on current auto loan rates for any vehicle loan new to EMUCU.

Explore Auto Loans

A Personal Loan Built
for Your First Big Move

We’re offering a special 0.50% discount off your My Choice personal loan starting APR¹ to give you the flexible funding you need without the high-interest stress. No waiting, no complicated requirements.

Explore Personal Loans

Launch Your Next Chapter Together

From late-night study sessions to that final walk across the stage, your dedication has brought you to this incredible milestone. As your credit union, we’ve been honored to support your journey since you opened your first student account. Now that you’re a graduate, it’s time to celebrate! We’re helping you start your professional journey with two exclusive loan offers designed to move you forward. Choose either loan offer or both!

How It Works

All it take is a few quick steps!

1. Confirm your graduation date was within the last 12 months.

2. Apply in person at any branch or online.

3. Provide proof of your graduation during the application process.

Ready to claim your discounts?

Apply Today!

Have questions about your graduation discount?

Schedule Appointment

Disclosures

¹ Actual rate based on creditworthiness. Special rates valid for one year from date of graduation from an accredited university. Proof of graduation is required at loan closing. Subject to credit approval. Additional limitations, terms and conditions apply, and are subject to change without notice. Discount applies to loans not currently held at EMUCU. Cannot be combined with other discounts or special promotions. Auto loan APR as low as 4.74%. Maximum APR is 15.84%. APR as of 05/01/2026, subject to change. A sample auto loan monthly payment based on $25,000 at 4.74% APR for 5 years would be $496.94. My Choice personal loan APR as low as 9.25%. Maximum APR is 15.25%. APR as of 01/01/2026, subject to change. A sample My Choice personal loan monthly payment based on $25,000 at 9.25% APR for 5 years would be $522.00.