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Autoland will find it for you!
AUTOLAND is a complete auto-buying solution. Browse AUTOLAND’s new car inventory and learn your options. When you’ve made your decision, arrange for your vehicle to be delivered to a UCU branch. Or you can even have our AUTOLAND Representative, Lenny, who works at UCU's main office, do all the work for you. Get more information.

Click for more car loan information or apply online today!

*APR = Annual Percentage Rate quoted is for 125% financing of new car loans, based on model years of 2012–2013, up to 60-month term. Rate effective 5/01/13 and is subject to change without notice. APR quoted includes a discount for automatic repayment. If automatic payment not used, 0.50% will be added to the loan rate. The actual rate, length of repayment and amount financed you may receive is determined by a combination of factors, including credit qualifications, credit score, loan amount, collateral, down payment and terms. Rate maximum can be as high as 18.00% APR, depending on credit review. Monthly payment per $1,000 for a 60-month term at 1.99% APR = $17.52. Loans issued subject to credit review. Loans available only to members residing in California, and for vehicles registered in California. Maximum amount for any vehicle loan: $75,000. Other rates and terms available.

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Cut Paper Out of Your Life!

You can make a difference
On Earth Day, people around the world commit to making small, eco-friendly choices that added up to make a big impact.

Looking for a few ideas? Doing your part can be as simple as opening a free UCU checking account. Besides saving you “green” by slashing bank service fees, it also slashes paper and energy usage several ways:

Home Branch
Open your laptop and log in to free online banking. You can view copies of recently cleared checks, view balances, make transfers, payments and more!

eStatements
Paper-free eStatements are available sooner, are more secure, and you can view them online any time.

Web Bill Pay
Pay your bills online from one screen with no checks, envelopes or stamps. Reduce paper use even more by receiving E-Bills, where your monthly billing statement is delivered electronically.

Direct deposit
The faster, safer and automatic way to have recurring checks — paychecks, pension, and more — deposited into your UCU account.

28,000 free CO-OP ATMs
You never have to drive far to find a no-fee CO-OP Network ATM. In fact, there are more than 5,500 free ATMs in 7-Eleven stores. Use the CO-OP Network ATM locator, or text your location or zip code to MYCOOP (692667).

Call or visit to open a free checking account and to ‘go green’ the smart and easy way.

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Beware of Identity Theft on the Rise: Texting & Email Scams

Identity thieves are keeping up — and often staying ahead of the game — as technology becomes an even bigger means of personal and financial communication. Here are two current scams:

SMiShing (cell phone fraud)
In Short Message Service phishing, the victim receives a text message requesting immediate action such as “Your ATM card is about to expire” or "Verification needed on your Account." Never respond to the text! Instead, contact your financial institution to verify its authenticity.

Phishing
Phishers send you a deceptive email, appearing to come from a reputable company, with a “call to action” to visit a website. Never click on these links and always remain suspicious of unsolicited emails. Please be aware of these scams and contact University Credit Union at 310-477-6628 ext. 1, if you have any questions or concerns.

UCU's car loan options help if you have challenged credit

A less-than-perfect credit history or lower credit score can create roadblocks when trying to secure car financing. Whether you want to purchase a car or refinance the loan you've got, credit history and scores play a role in the loan review.

Some borrowers do not have an ideal credit situation. The reasons vary. Maybe they had a few late payments with creditors or lack of an extensive credit history. This can all translate to a lower credit score.

Loans That Fit Many Borrowers
UCU has some options for members that want to purchase a car or refinance an existing high-rate car loan at a bank. We start by taking a look at your individual situation. Then we do our best to find an auto loan option that works for you. UCU offers loans to those with challenged credit* on new, used and refinanced autos.

Loan Officers Review Your Situation
Approval will depend on a variety of factors and not everyone will get the lowest rate. But, the rate we offer may be better than what's offered by a dealer or what you secured on your current car loan. We may even be able to extend the loan term to lower your monthly payments. Everyone's situation is different, so your personal information is carefully considered.

Get started now!
Our UCU representatives can try to connect you with the right car loan for your situation. Apply online or call 310-477-6628 ext. 1 for more information.

*Loans issued subject to credit review. The actual rate, length of repayment and amount financed you may receive is determined by a combination of factors, including credit qualifications, credit score, loan amount, collateral, down payment and terms. Rate maximum can be as high as 18.00% APR, depending on credit review. Loans available only to members residing in California, and for vehicles registered in California. Call for details.

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If you're traveling out of the country, contact the credit union

If you’re planning to use your UCU Visa® Check Card or UCU MasterCard while out of the country, please make sure you call UCU before you leave to inform us of the country and dates you will be away.

We’d like to verify that the transactions that occur in these foreign countries are actually yours.

For more information, please see the International Travel Tips below for the card(s) you plan on using.

UCU Visa® Check Card

UCU MasterCard

ATM Card Only

Contact a UCU Representative at 310-477-6628, ext. 1 for more information.

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Helpful Advice from "Psychology of Spending" workshop

In the recent "Psychology of Spending" workshop, hosted by University Credit Union and BALANCE, the presenter noted many ways in which consumers view spending and their spending habits.

Jennifer Wallis, Partner Relations Manager with the BALANCE Program, pointed out many tips that can help you analyze your spending so you can stick to your budget:

• When you go shopping, make a list and stick to it. This will help you avoid impulse buying.
• People spend more per transaction using a credit card, than when using cash or a debit card.
• Do you get regular e-mails about sales at stores? Unsubscribe to resist the urge to shop.
• If you're buying something that might be more expensive or extravagant, convert the price into the number of hours you had to work to pay for the item. Now is the item worth the cost?
• Do you buy coffee or tea daily at a coffee shop? Add up those costs per month … is that a big portion of your budget that you can control? Consider making your own coffee at a fraction of the cost.
• Don't like your office coffee? Spruce it up with a flavored non-dairy creamer. That may be better for your budget, instead of buying coffee each day.
• Start automatic savings from your paycheck to UCU. Knowing you are putting money aside helps keep your spending habits in mind.

Budgeting and spending advise is available free to UCU members through the BALANCE program. Counselors can provide pointers, review your spending and even help you set up a budget. Services are confidential and meetings are held over the phone. Find out more about BALANCE and get contact information.

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You might have money from an inactive account -- now being held by the State of California

By law on an annual basis, financial service entities send the State of California money from accounts with no activity or contact for at least three years. The State holds the funds until you ask for it. They call this unclaimed property.

Some people don't realize they have something: maybe money from an old savings account where you forgot to change an address, or a rebate or refund that was returned to sender.

Go to the California State Controller's Web site to find out if you or a family member has any funds owed you.

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You can follow us on Facebook

University Credit Union is now on Facebook. We created this page so UCU members and the university communities we serve can stay up-to-date with what is going on at UCU. Learn about upcoming events, special promotions, new products and services, exciting news, valuable tips and more.

We'd love to add you to our Facebook community - simply go to our Facebook page and click on "like." Once you're a fan, you will be the first to hear all the latest news!

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National Campaign: "Don't Tax My Credit Union"

As member-owned, not-for-profit financial institutions, credit unions have a unique mission of providing financial services to select community groups. Whether the groups are employer-based, educational, community or any other category, credit unions are there to assist their members.

The government recognizes credit unions' unique mission. Credit unions have volunteer supervisors (Board of Directors and Supervisory Committees) that help oversee the well-being of their members' deposits and credit unions only serve specified fields of membership. As such, credit unions are not-for-profit financial institution and are not assessed taxes. All earnings that credit unions make go back into the organization to benefit its members (the shareholders of the organization). As not-for-profits, credit unions can offer its members competitively priced services.

There is talk of removing credit unions' tax-exempt status. If this were to happen, it could dampen a credit union's earning capacity and the membership could see a change in how services are offered.

Read more about the Don't Tax My Credit Union campaign. The web site highlights the credit union difference and the discussions that are happening on Capitol Hill. This site also gives you a way to take action by writing to your congressional representatives.

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SAVE BIG THIS JUNE
Autoland is offering TWO Car of the Month Specials!

Thinking about purchasing a new car? Are you looking for a compact commuter car or a midsize cruiser?

Click for details

Now's the time to get moving! Autoland is offering two great cars, the 2013 Toyota Corolla or the 2013 Kia Optima, at special discounted prices! Top that off with auto loan rates as low as 1.99% APR* from UCU and you'll definitely drive away happy!

The 2013 Toyota Corolla is one of the best selling compact cars in America and AUTOLAND has negotiated special low pricing for UCU members.

Click for details

If it's a midsize sedan you're looking for checkout the 2013 KIA Optima. This well-equipped car is currently on display in the UCU parking lot! Stop by and check it out for yourself!

AUTOLAND is a complete auto-buying solution. Contact Lenny Garifo, an Autoland Representative located at University Credit Union, to take advantage of this special offer. He can even arrange for your vehicle to be delivered to a UCU branch. And, AUTOLAND takes trade-ins, too!

Act Fast! This special pricing is only good through June 30, 2013. Contact Lenny Garifo at (310) 478-4198 or e-mail.

*APR = Annual Percentage Rate quoted is for 125% financing of new car loans, based on model years of 2012–2013, up to 60-month term. Rate effective 6/01/13 and is subject to change without notice. APR quoted includes a discount for automatic repayment. If automatic payment not used, 0.50% will be added to the loan rate. The actual rate, length of repayment and amount financed you may receive is determined by a combination of factors, including credit qualifications, credit score, loan amount, collateral, down payment and terms. Rate maximum can be as high as 18.00% APR, depending on credit review. Monthly payment per $1,000 for a 60-month term at 1.99% APR = $17.52. Loans issued subject to credit review. Loans available only to members residing in California, and for vehicles registered in California. Maximum amount for any vehicle loan: $75,000. Other rates and terms available.

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