Vanderbilt University Employees' Credit Union
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*NEW* Bill Wilkerson Center/Hearing Aid Loan

  • Borrow up to $10,000
  • Fixed low rate of 9.9% APR
  • Terms up to 39 months
  • Fixed monthly payment
  • Easy payroll deduction
  • Completely confidential
  • Approval in less than 30 minutes
Loans available same day. Funds disbursed directly to Bill Wilkerson Center. Certain restrictions apply and loans are subject to credit approval. For more information, call the Vanderbilt University Credit Union office at 615.936.0300.


Don’t Be the Victim of a new Tennessee Credit Unions Scam

Dear Credit Union Member,

At Vanderbilt University Credit Union, protecting the security of our members’ accounts is one of our highest priorities. Whenever we are notified of a potential risk involving our members, we respond proactively.

The Tennessee Department of Financial Institutions has received information about a group of scammers out of New York that have been targeting individuals who are members of some Tennessee Credit Unions. The scammers are requesting account information either over the phone or via a fake website link. This was not a data breach of information, but instead, a blanket scam. As of now, the scammers have only referenced certain credit unions on the subject lines.

The Vanderbilt University Credit Union will not call you or email you requesting account information or personal information. If you receive such a request, you should treat it as a phishing scam and notify the credit union office immediately.

We continuously monitor ATM, and debit card transactions to look for out-of-pattern activity on your account that might be potential fraud. At this time, we are not aware of any fraudulent activity using our members’ card data.

If we are notified that an individual credit union member’s card data has been compromised, we will notify you individually by email and/or phone with the necessary steps to replace your existing credit union debit card as a safety measure to help you ensure that your account information is protected. It is important that we have the correct information to contact you. Please make sure that we have your current email address and phone number(s).

This does not mean fraud has or will occur on your account. We will continue to monitor all card numbers for possible unauthorized activity. We understand this may be an inconvenience for you; however, we take your security seriously.

If you have any questions about this notice or suspect fraudulent card activity, please call the credit union office at (615) 936-0300 or email


Love My Credit Union banner
Vanderbilt University Credit Union Members Get Exclusive Discounts from Love My Credit Union Rewards

Everyone loves to save, especially on products and services you use every day. That's what Love My Credit Union Rewards is all about. Members have saved nearly $2 billion in discounts from valued partners through Love My Credit Union Rewards. You can save too with valuable discounts from these partners:
  • Get a $100 cash reward for each new line you activate, up to 3 lines. Plus, get a $50 cash reward every year for as long as you are a Sprint customer.*
  • Save up to $15 on TurboTax federal products!
  • Get an exclusive smoke communicator and a $100 gift card with a new ADT monitored home security system. Call 844-703-0123 to activate this special offer.
  • Get trusted protection at true savings with the TruStage Auto & Home Insurance Program.
  • Shop and get cash back at over 1,500 online retailers with Love to Shop.
To find out more and learn about other valuable discounts visit You get all these offers and discounts just for being a member of Vanderbilt University Credit Union.


Quick Cash Loans
You get $480 cash same day you apply
Loan repayment is for $500
Monthly payment $100
Payroll Deduction repayment only ($100/$50/$25)
Loan Application Fee $20
Interest Rate 28%


  • Credit Union member
  • $25 in base savings account (cannot come from the loan proceeds)
  • 12 month continuous employment
  • Not under existing bankruptcy
  • No outstanding judgments
  • No unpaid liens
  • No minimum credit score required
  • Proof of current income – no debt ratio requirement
  • No Rollovers


The Smart Option Student Loan® for Vanderbilt University Credit Union by Sallie Mae
For borrowers attending degree-granting institutions

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provides even more flexibility
  • No origination fees and no prepayment penalty
  • Rewards and interest rate reductions available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

To learn more, please get started here.

Vanderbilt University Lending Options


Credit Union Now Offers Home Equity Line of Credit Loan

  • Effective August 1, 2013
  • Variable Interest Rate
  • Rates as low as Prime plus 1.00%
  • Floor Rate of 3.00%
  • Financing up to 90% Loan to Value
  • Minimal Closing Costs
  • Interest May Be Tax Deductible
  • 5 Year Draw/15 Year Repay
  • Simple Interest
  • Payroll Deducted Payment

For more information, call 615.936.0300.

For additional consumer information from the Federal Reserve.

All loans are subject to credit approval and appraised value of the house. Payment includes principal and interest. Check with your tax advisor about tax deductibility of interest. VUCU is an Equal Housing Lender.


Online Banking Now Available...
Anytime—Anywhere Account Access

We have added online account access to increase your convenience. We know that not everyone’s work shift allows them access to the credit union during business hours. Now you can access your credit union account balances 24 hours a day/7 days a week.

To enroll in Virtual Branch click “Online Banking” tab, then click “Getting Sstarted”.

Enroll in Electronic Statements
Once enrolled, you will receive your credit union statement the first business day of each quarter from our secure Online Banking website. You will be able to view and print your statement along with all inserts.

To enroll, you must already be enrolled in Online Banking. Click "Online Banking", then click "E-statement" from the left navigation bar and follow the instructions.

Instructions on enrolling


Get Your Free Credit Report
Prevent Identity Theft

Your are entitled to one free credit report yearly from the three national credit bureaus – Equifax, Experian, TransUnion. Here's how to order your reports. Call 1-877-322-8228 or visit their website at Fill out the online request form or print the online request form and mail it to:

Annual Credit Report
Request Service
PO Box 1105281
Atlanta GA 30345-5281


New Cosmetic Surgery Loan Now Available

  • Borrow up to $10,000
  • Fixed rate 9.9% APR
  • Monthly payment $250.00
  • Easy payroll deduction
  • Completely confidential

Loans are available only on procedures done through The Vanderbilt Department of Plastic Surgery. Certain restrictions apply and loans are subject to credit approval. More information is available in The Plastic Surgery Department or call the VUCU office at 615.936.0300.


Automobile Loans

See the VU Credit Union first for auto loan pre-approval. It’s like shopping with cash; you don’t have to worry about dealer financing. We have invoice and retail pricing for all new autos, as well as NADA blue book prices for used auto and your trade in.

For new and used cars from automobile dealerships

  • A copy of the window sticker.
  • A copy of your buyer's order.
  • Copy of insurance policy listing financed vehicle with VUCU as lien holder.

For used cars from individuals and used car lots

  • Written Bill of Sale.
  • The year, make, model, mileage, of the car.
  • A copy of the title.
  • A copy of the registration and 10 day payoff if there is an existing lien.
  • Visual inspection of the auto at the credit union office.
  • Copy of insurance policy listing financed vehicle with VUCU as lien holder.

To refinance your automobile loan

In addition to the visual inspection of vehicle at VUCU office, please deliver or fax (615.936.0464) the following documents:

  • You must complete the Loan Application.
  • Submit a copy of paycheck stub.
  • Submit a copy of payment coupon.
  • 10 day payoff from current lender.
  • Submit a copy of vehicle registration.
  • Submit a copy of original loan document showing current interest rate.

Deals on Auto Loans!
New — as low as 2.50%
Terms up to 72 months
Up to 100% MSRP

Check out those "special low dealer rates." Many times, you will save more money by taking the rebate instead and financing with the credit union.


Used — as low as 2.50%
Terms up to 60 months
Up to 100% retail

Here is your opportunity to purchase a pre-owned car at a great low rate. We will finance back to a 2005 model. Also borrow against a clear title at this same low rate.

E-mail loan applications to: michael.bittle@ or call 615.936.0300.



Refinance Another Lender's Auto Loan with Us
Cut Your Current Auto Loan Rate To as low as 2.50% APR

E-mail Laydesh Harris for a payment quote today!



Recreational Equipment at Car Loan Rates
The VUCU offers the same low interest rates on recreational equipment as it does on car loans. Right now, you can finance new equipment at as low as 2.50% for up to 72 months and used equipment (2005-2018) at as low as 2.50% for up to 60 months.

To have a loan application faxed or emailed to you, just email Laydesh Harris or call 615.936.0300. Remember, we have same day loan decisions.



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