University Credit Union Loan Rates

University Credit Union offers affordable and convenient credit as one of the chief benefits of membership. Our Loan Department is staffed by professional loan officers who are committed to offering you the best rates, the fastest service and the most convenient selection of loan options. Just give them a call at (310) 477-6628 to discuss any of your borrowing needs or for full details on any loan.

Rates and terms are effective as of February 1, 2012 and subject to change without notice.

Jump to rates: Real Estate (Home Equity and Mortgages) : : Personal Loans : : Auto Title Loan: : Personal Line of Credit : :   
Short Pay Loan : : MasterCard : : Motor Homes : : Recreational Vehicles

Consumer Loans

New Car Loans 2011 - 2012

Annual Percentage Rate

Repayment Term (in Months)

Monthly Payment per $1,000

100% Financing	2.99% 3.49%	72 84*	$15.20 $13.44
	APRs quoted include a discount for automatic repayment. Rate without automatic payment method will be one-half percent higher. All new car financing not to exceed purchase price or MSRP, whichever is less, plus tax, license and warranties. Maximum loan amount: $75,000. Cars must be purchased, titled and registered in California. * 84 months for loans of $25,000 or more.

Used Car Loans

Annual Percentage Rate

Repayment Term (in Months)

Monthly Payment per $1,000

2010-2012 models 100% Retail Value	2.99% 3.49%	72 84*	$15.20 $13.44
2008-2009 models 100% Retail Value	3.49%	60	$18.19
2006-2007 models 100% Wholesale Value	3.49%	48	$22.36
	APRs quoted include a discount for automatic repayment. Rate without automatic payment method will be one-half percent higher. Financing includes private party, dealership purchases and refinances from other financial institutions; demonstration models. Maximum loan amount: $75,000. 100% financing is based on Kelley Blue Book retail or wholesale values plus tax, license and warranties. Cars must be purchased, titled and registered in California. * 84 months for loans of $25,000 or more.

Recreational Vehicles (Boats, Personal Watercraft, Motorcycles, Travel Trailers, Tent Trailers)

Annual Percentage Rate

Repayment Term (in Months)

Monthly Payment per $1,000

New Vehicle (2011-2012)	9.00%	72	$18.04
	Maximum loan: $50,000. 100% financing up to MSRP (plus tax, license and warranties). Repayment terms determined by Credit Manager.
Used Vehicle (2006-2011)	9.75%	72	$18.41
	Maximum loan: $50,000. Financing up to 100% Book value. Repayment terms based on cost and age of vehicle.

Motor Homes

Annual Percentage Rate

Repayment Term (in Months)

Monthly Payment per $1,000

New Vehicle (2011-2012)	8.85%	72	$17.96
	Maximum loan: $50,000. 100% financing up to MSRP (plus tax, license and warranties). Repayment terms determined by Credit Manager.
Used Vehicle (2006-2011)	9.50%	72	$18.29
	Maximum loan: $50,000. Financing up to 100% Book value. Repayment terms based on cost and age of vehicle.

Personal Loan

Annual Percentage Rate

Repayment Term (in Months)

Monthly Payment per $1,000

Personal Loan	9.95%	60	$21.23
Computer Loan	9.95%	60	$21.23
Share-Secured Loan	5.99%	60	$19.33
	Maximum for all unsecured credit: $20,000. Computer Loan: Minimum $500; Maximum $10,000. Share Loan: Regular Shares used as loan collateral.

Auto Title Loans

Annual Percentage Rate

Repayment Term (in Months)

Monthly Payment per $1,000

2005-2011 models 100% Wholesale Value	9.95%	36	$32.24
	Loan intended for using a paid-in-full car title as collateral. Up to 100% Kelley Blue Book wholesale value financing. Cars must be purchased, titled and registered in California. Maximum loan amount: $75,000.

Personal Line of Credit	Annual Percentage Rate	Terms
	6.80%	Variable rate. Maximum credit limit: $20,000
	Rates are based on the 6-month discount T-bill auction rate set on the second Monday of the month prior to each quarterly change, plus a margin. Rates are subject to change quarterly (January 1, April 1, July 1 and October 1). The auction rate for this quarter is 0.05%. The margin is 6.75%. The rate ceiling on this loan is 12.00% APR.

Overdraft Protection	6.80%	Variable rate. Maximum credit line: $5,000. Line of Credit covers overdrawn checks.
	Rates are based on the 6-month discount T-bill auction rate set on the second Monday of the month prior to each quarterly change, plus a margin. Rates are subject to change quarterly (January 1, April 1, July 1 and October 1). The auction rate for this quarter is 0.05%. The margin is 6.75%. The rate ceiling on this loan is 12.00% APR.

Short Pay Loan

Annual Percentage Rate

Repayment Term (in Months)

Monthly Payment per $500

	18.00%	6	$87.74
	Maximum loan: $500. Minimum loan: $100. $20 Application Fee. Direct Deposit required.

MasterCard: Platinum	7.07%	Variable Rate. APR may vary. No Annual Fee.
	Rates are based on the 6-month discount T-bill auction rate set on the last Monday of the second month prior to each semi-annual change, plus a margin (e.g., a January change would use the T-bill rate auction of the last Monday of November). Rates are subject to change semi-annually (January 1 and July 1). The auction rate for this period is 0.07%. The margin is 7.00%.
MasterCard: Gold	11.99%	No Annual Fee.
MasterCard: Classic	15.96%	Annual fee waived the first year; $15 thereafter.

Real Estate Loans

Home Equity Line of Credit	6-Month Intro APR	Current APR
Interest Only Option Standard	3.25%** 3.25%**	5.00% 5.00%

	Variable-Rate Home Equity Line of Credit. 70% Combined Loan-to-Value ratio (CLTV). House: $150,000 maximum. Condo/Townhouse: $150,000 maximum. Single family, owner-occupied detached dwelling or condo/townhouse.
	**Introductory rates are for 6 months. At the end of the introductory rate period, the rate will convert to the non-discounted variable annual percentage rate schedule, currently at 5.00% APR (and, based on this rate, has a maximum rate of 11.00% APR) for 70% CLTV. Rates are based on the 6-month discount T-bill auction rate set on the second Monday of the month prior to each quarterly change, plus a margin. Rates are subject to change quarterly (January 1, April 1, July 1 and October 1). The auction rate for this quarter is 0.05%. The margin is 3.75%. Minimum floor rate is 5.00% APR. Some restrictions may apply. Call for full details.

Second Trust Deed Loan

Annual Percentage Rate

Repayment Terms

Monthly Payment per $10,000

	5.75% 6.00% 6.50%	10 Years 15 Years 20 Years	$109.79 $84.41 $74.58
	70% CLTV. House: $150,000 maximum. Condo/Townhouse: $150,000 maximum. Single family, owner-occupied detached dwelling or condo/townhouse.

First Mortgage Loans Purchases and Refinances

Call UCU for today's current rates. Mortgage Loan Contacts: Please call a UCU Real Estate Loan Representative for information at (310) 477-6628, ext. 2304 during regular business hours.

All Real Estate Loans (except Mortgage Purchase Loans) are available only to members residing in California and on primary member residences (single-family, owner-occupied detached dwellings, condos, or townhouses) in the following counties: Los Angeles, Orange, Ventura, San Bernardino, Riverside and San Diego. Mortgage Purchase Loans are available throughout the United States. Loans are issued subject to credit approval and equity requirements.

Disclaimer: All loans are available only to members residing in California. Rates are subject to change without notice. Loan issued subject to credit review. Contact UCU for complete details.

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