U-Haul Investors Club®
Investing made easier®
Concepts of Direct Investing - U-Notes®
Benefits of Direct Investing in U-Notes®
The U-Haul Investors Club has several unique features that individuals do not normally see in investment opportunities, even in peer-to-peer lending and crowdfunding.
Fixed interest rate
You can count on your payment without worrying about the state of the economy.
Unlike many annuities or mutual funds, you can invest in increments as small as $100.
Backed by a specific asset
U-Notes are backed by assets such as trailers, trucks, real estate and equipment.
You are investing with us directly through our website and we issue U-Notes® directly without going through underwriters or brokers. There is no sales charge or brokerage commission and there is no fee to join.
We make diversifying your investment portfolio easy with several account types such as Individual, Trust (Individual and Corporation), Custodial, LLC, Partnership, Corporation (C type and S type), Qualified funds account types (Traditional and Roth IRAs) and Coverdell Educational Saving Account (CESA).
How to invest in U-Notes®
Things to consider before you invest with U-Haul Investors Club®
We believe in transparency, so here are a few things you should know before you start investing.
U-Haul Investors Club® is not for short-term investors
U-Haul Investors Club® members cannot easily sell or trade their U-Notes®, and are required to hold the U-Note® until maturity unless earlier redeemed by us in our sole discretion. Maturities range between 2 to 30 years, please review the terms in our prospectus and prospectus supplements carefully and invest accordingly.
The U-Note® is not FDIC insured
While the money you deposit into your U-Haul Investors Club® account is not insured by anyone, your investment is secured by the asset.
There are risks involved
As with all forms of investments, risk can only be reduced, not eliminated. View our prospectus and prospectus supplements for details on the risks of investing with U-Haul Investors Club®.
No pre-payment penalty
We reserve the right to pay back any U-Note® at any time, with no pre-payment penalties. However, we are under no obligation to do so.
"Full-Recourse Obligation" means that AMERCO® (the issuer) is required to repay you the full amount of principal and interest owed. Your recovery is not limited to the value of the collateral securing your U-Note®, as would be the case in a limited-recourse or non-recourse scenario. The collateral provides you with a security interest and lien on the specified asset(s) you select with your investment, and the full recourse nature of the U-Note® means that AMERCO® is required to repay you in full. View our prospectus and prospectus supplements and all terms and conditions for details on the risks of investing with U-Haul Investors Club®.