Tired of high bank fees?

Find the Right Checking Account for U!

Banks are charging record-high fees for existing services. If your bank is nickeling and diming you with high fees, make the switch to University Credit Union.

UCU offers a variety of checking accounts to meet your needs. Let us show you the value of our checking accounts versus your other bank accounts. You may keep more money in your pocket just by switching to UCU.

All UCU checking accounts include:

  • Low minimum balance and no monthly fees with activity*
  • ATM located at the Lair Marketplace
  • Free Apple Pay® and Google Pay ™
  • Free online and mobile access**
  • Free eStatements
  • Free access to nearly 30,000 CO-OP Network® ATMs nationwide Free access to 6,800 Shared Branching locations
  • Lifetime UCU membership

Click below to Switch & Save NOW!

Click Here to open an account

 

*$5 per month fee is waived with any of the following: account activity, an average daily balance greater than $200, a Certificate, a Money Market account, or a loan.  Membership Share Account requires a $5 minimum deposit. An initial deposit of $50 is required to open a checking account. See membership requirements at www.ucu.org.

**Data and other wireless carrier charges may apply.

Save 2% or up to $5,000* in closing costs!

UCU Mortgage

UCU is here to help you whether you are buying a new home or want to refinance your current mortgage.

Save up to 2% or $5,000* in closing costs on:

• Conventional 1st mortgage loans

• Loan-to-value not to exceed 90%

• 3/1, 5/1, 7/1 ARMs, or 10 year fixed

• Primary residences, second homes, single family, PUD, condo, townhouse (1-4 Units) and investment homes

Get a 25% rebate on real estate commissions through UCU’s Home Benefits Plus** program when you buy or sell a house using our realty agencies.

Call today at (800) UCU-4510, x. 2304 for more information.

Apply Now

*Certain restrictions and limitations apply. No Closing Costs offer available only when obtaining the following University Credit Union (“Credit Union”) conventional first priority mortgage loan products: (i) fixed rate mortgage with a ten year maturity; and (ii) a 3/1, 5/1, 7/1, or 10/1 adjustable rate mortgage (“ARM”), which is an ARM that starts with a fixed rate for the first 3, 5, 7, or 10 years of the loan, as applicable, and thereafter changes to an adjustable rate mortgage that adjusts on a yearly basis for the remaining term of the loan. Rates are subject to increase or decrease at the end of the fixed period, may adjust annually, and are based upon an index plus a margin. ARMs are tied to the 1 year LIBOR. Payment example is for illustration purpose only and is based on a 10 year fixed loan, a loan amount of $450,000 at rate 3.875%, 119 payments of $4,529.35 and 1 payment of $4,528.74. Available for purchase or refinance of primary residence, second home, investment property, single family, one-to-four unit homes, planned unit developments, condominiums and townhomes. University Credit Union will pay borrower’s third-party closing costs up to 2% of the loan amount up to a cap of $5,000 excluding discount points, private mortgage insurance, prepaid interest, homeowner association fees, home inspection fees, condo document fees or funds to establish the member’s escrow account. Appraisal and any fees collected from the borrower during the loan process will be credited back to the borrower at loan closing; however, such fees will not be refundable to the borrower if the loan is not consummated for any reason. If loan is paid in full within the first 36 months of the commencement of the loan, borrower will be required reimburse 100% of the closing costs paid by University Credit Union. Offer available for a limited time and subject to change withoutnotice. Offer not available on Veterans Administration, Federal Housing Administration, and United States Department of Agriculture loans. All loans are subject to membership eligibility, credit and underwriting approval. Additional terms and conditions may apply. UCU is Federally insured by NCUA. Equal Housing Opportunity. NMLS #409731

** Rebates are subject to state law. The following states currently prohibit rebates: AL, AK, IA, KS, LA, MS, OK, OR, TN. To take advantage of the program, you must contact HomeBenefitsPlus before contacting an agent directly. No rebate is available if you work with an agent directly. The amount and manner of the rebate (whether credit in escrow or check after closing) is determined by the mortgage lender, and is subject to state and federal law and lender approval. If the rebate is paid by check, it will be paid within four weeks of closing. Contact Home Benefits Plus at (888) 603-9563 for complete details.

Home Benefits Plus is a service provided as a benefit for members and is not affiliated with University Credit Union. Contact Home Benefits Plus for complete details.

We have $400 million to lend!

Are you looking to borrow money? Crushed by unexpected bills or need extra cash for surprise expenses? We have loans all kinds of loans to meet your specific needs.

Whether you need to by a car, apply for a credit card, consolidate your bills into a personal loan or even purchase or refinance your home, University Credit Union is ready to lend you money.

Start saving NOW!

Click on any one of the icons below to learn more!

 

Car IconCredit Card IconConsolidation iconHouse Icon

 

 

 

Letter to Members from the CEO

CEO_Davd_tuyo
David Tuyo, President & CEO

Value, is it Relative or Absolute? Both?.

University Credit Union recently held our annual meeting celebrating the 67th year of our financial cooperative. The annual meeting highlighted one of our earliest members who has provided the University Community with a significant amount of value, both tangible and intangible. Our member-owner who has been with us since UCU started, has written books, mentored thousands, and lived a life full of passion for the University Community. This member personifies what UCU strives to do each and every day. UCU is constantly focusing on creating lifelong relationships through purpose driven activities that add value to the University Community, both in dollars and sense. UCU is constantly innovating ways to provide a high level of corporate citizenship and alignment with our University Community. Nothing else matters or is more important to us. Value is inherent in the way UCU operates as a financial cooperative. We focus on the University Community exclusively, no other financial institution has that level of focus, nor are they as invested in your success. We understand your unique needs because we were created by you, for you, and exist today solely because of you.
Since we are finishing up March Madness, we thought we would create the Elite Eight, the top eight ways UCU adds value:

  1. University Credit Union focuses on your enrichment.
    We save you time and money. Just add up the savings provided by your UCU membership including access to the 2nd largest branch network in the country – bigger than Chase, Bank of America, US Bank, and PNC. UCU members enjoy over 30,000 free ATMs, and competitive interest rates on loans and deposits. We find ways to add value beyond monetary; we give you back time!
  2. UCU sticks to roots of being a financial cooperative.
    UCU leverages cooperative pricing for our loans and soon will transition to other products and services. Using UCU as your primary financial institution allows you to take advantage of repeat borrower discounts. UCU is able to match or beat the prices of major bank competitors. When you participate by using UCU’s checking accounts, car loans, credit cards, consolidation loans, and mortgages, this means maximum overall savings for you.
  3. University Credit Union educates members.
    UCU provides unbiased advice when you are shopping for a car, a credit card, or a mortgage. We educate you on strategies to save money, finance your dreams, and build wealth. Last year, we educated thousands through our webinars, seminars, and other educational events.
  4. UCU protects members.
    UCU protects you by keeping your member information safe and secure with upgrades to our online banking, alerts on your accounts, and intuitive fraud detection. We are investing proactively in intelligent technology to provide you with best of breed products that have a proven track record of safety.
  5. UCU serves the University Community Exclusively.
    UCU gives the University Community a financial edge. We know the specific needs of students, staff, faculty and alumni. You can count on us to be there in good times and bad because we have 67 years of history serving our member-owners. We are ALL IN.
  6. Incentives don’t exist at University Credit Union.
    We recognized the research pointing to the dangers of incentives as well as learning from others who have put their customers in harm’s way because of dangerously designed incentive pay systems. When you meet with one of our experts, you don’t have to worry about hidden agendas or conflicts of interest.
  7. Big enough to help you. Small enough to know you.
    We listen to you, we respect you, and we take action. We listen to you each and every day, then capture those conversations to drive our future plans. UCU is in the top 10% of all credit unions nationwide in terms of size.
  8. UCU is prescriptive, predictive and proactive.
    UCU is making tremendous progress with our technology and business intelligence initiatives. We are becoming prescriptive, predictive, and proactive. Prescriptive in that we only want to prescribe solutions that are needed, that will solve your needs, wants, and desires. Predictive in that we will anticipate your needs and provide timely solutions, sometimes before you even know you will need it. Proactive in that we will to take action to help you!

Respectfully yours,

David L. Tuyo II

LMU Alumni Preferred Auto Lender

lion_alumni_free_license_plate

Exclusive auto financing offers available for LMU alumni through University Credit Union. For every car financed, University Credit Union will make a donation back to the LMU Alumni Association.

Purchase a new car or refinance your current auto loan and get great rates.

Refinance

•    Lower your monthly payment
•    Apply for approval and receive a response in minutes
•    Make no payments for 90 days^
•    Prefer to respond by phone?
Call (800) UCU-4510

Purchase

•    Great rates and terms
•    Apply for approval and receive a response in minutes
•    Start shopping at the dealer

Apply Today!
www.UCU.org/LMUAlumniPAL
or call (800) UCU-4510 ext. 1

*APR=Annual Percentage rate.  Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member’s loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes an Automatic Payment method1 and includes a 0.25% Repeat Borrower2 discount. Rates are higher for LTV over 70% and/or terms greater than 36 months. Rate applies to 2011 and newer vehicles.

Estimated monthly payment example: New auto loan of $25,000 for 60 months for 100% LTV at 2.74% with Automatic Payment1 and Repeat Borrower Discount2 will have an estimated monthly payment of $446.33.

1 Includes an Automatic Payment discount of 0.25% from a UCU account only.

2 Includes a Repeat Borrower discount of 0.25% based on minimum 6 months of positive UCU loan repayment history.

The rates shown are the lowest available and your rate may be higher. Rates are subject to change at any time. Other restrictions may apply. Contact UCU for details on all loans.

^Interest will continue to accrue through the deferred payment period, when there are no payments for 90 days. This offer does not apply for loans currently financed with UCU.  Verification of current rate is required for refinancing.  Membership required.  Subject to credit approval and certain restrictions may apply.  Offer and rates subject to change without notice.

FREE license plate for UCLA Alumni!

 

University Credit Union is officially the Preferred Auto Lender for UCLA’s Alumni Association! What does that mean for UCLA Alumni? For each vehicle purchased or refinanced, University Credit Union will make a donation to the UCLA Alumni Association and YOU will receive a gold license plate once your loan is closed.5980_1_car_license_plate

REFINANCE
Refinance Your Current Auto Loan with rates as low as 1.99% APR*. You can lower your monthly payments and take a payment vacation for 90 days.

PURCHASE
Low Rate Financing on New and Used Autos with rates as low as 1.99% APR*. Get pre-approved and save on your vehicle loan.

Apply today at www.ucu.org/UCLALUMNIPAL/

*APR = Annual Percentage Rate. Loan payment example: $17.53 per month per $1,000 borrowed at 1.99% APR for 60 months. Actual rate is determined by a combination of credit, income, and loan to value (LTV). Rate includes .50% discount for automatic payment. If automatic payment is not used .50% will be added to the loan rate. ** Payment can be deferred for 90 days, however, interest will accrue from date of contract. Membership required. Loans subject to credit worthiness and certain restrictions apply. UCU loans are not eligible. No other promotional discounts apply. Rates subject to change and promotion can end at any time.



Shred Day Event –

paper-shred

Saturday, 
UCU Main Branch parking lot, 
1500 S. Sepulveda Blvd., Los Angeles, CA 90025

University Credit Union and the UCLA Emeriti/Retirees Relations Center are co-sponsoring a Free Shred Day event on XXXXXX! Keep your personal information out of the hands of identity thieves. Bring any of your old statements, bills and other sensitive documents to our office for free and secure shredding and disposal.

This is a great opportunity to clean out your files and dispose of your paperwork safely.

Please note: Shredding is for papers only. No cardboard, plastic bags, magazines, books, or newspapers will be accepted. Only 40lbs allowed per person.

If you have any questions, please contact a Financial Services Specialist at (800) UCU-4510.

Earn 3.00% APY* on Kids Saver Certificate

It’s never too early to start saving.    BABYml

Parents and grandparents  teach your children and grandkids the value of savings and investment by opening up a Kids Saver Certificate for them at UCU.  Plus, the kids can add their allowance or birthday money throughout the term of the certificate to really watch their money grow!

The UCU Kids Saver Certificate is available to our younger members under age 18. They can open it with as little as $50, and continue to add more throughout the life of the certificate, up to $2,000. It’s a great way to start saving at a young age!

Get started today!
To open the Kids Saver Certificate visit any UCU Branch or call (800) UCU-4510.

*APY = Annual Percentage Yield. For primary members under 18. Only one kid certificate per member. This certificate will convert to a regular certificate after member turns 18 years of age. Maximum deposits allowed is $2,000.

UCU Has A New Toll-Free Phone Number

To better serve our members who call from areas outside of Los Angeles, UCU has obtained a new toll-free number. The new number is (800) UCU-4510.

UCU also has a new local number that is easier to remember. The new number is (424) 320-4700.

Please note that our existing number (310) 477-6628 is still in service and you will be able to access UCU at this number. Also, the real estate and foreclosure phone numbers will continue to remain the same.

Please make sure you update your contact information for UCU. Thank you!