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.

Refinance Your Current Auto Loan with rates
as low as 1.99% APR*

Refinance

•    Lower your monthly payment
•    Get approved in minutes
•    Make no payments for 90 days
•    Prefer to respond by phone?
Call (800) UCU-4510

Low Rate Financing on New/Used Autos with rates as low as 1.99% APR*

Purchase

•    Great rates and terms
•    Get approved in minutes
•    Start shopping at the dealer

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

APR=Annual Percentage rate.  Loan payment example: $12.99 per month per $1,000 borrowed at 2.49% APR for 84 months. Special offer floor rate is 1.74% APR for up to 60 months and is based on creditworthiness.  Additional restrictions apply for finance terms over 60 months.  Any vehicle with 100k+ miles, add 1% to rate indicated above. Any auto loan approved for less than $5,000.00, add 2% to the rate. Motorcycles, add 2% to the rate indicated above. 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: $13.21 per month per $1,000 borrowed at 2.99% APR for 84 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. California residents only. 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.


U Save $ with UCU’s Auto Loan Refinance!

Better rate, lower payment, PLUS up to $2002 in your pocket.
Auto Loan as low as 1.99% APR1.

Refinance your car loan from another lender to UCU and carget:

  1. Up to $2002 Cash Back
    Refinance a loan balance and we’ll give you up to $2002.
  2. No Payments for 90 Days3
    Refinance your car loan from another lender and get
    no payments for 90 days3.

•    Choice of monthly, bi-weekly, or weekly payments.

•    Low rates – even if you don’t have perfect credit.

•    24/7 Easy Application with fast, local decisions.

ApplyNow

1Annual percentage rate. Payment ex: $12.99/mo per $1,000 borrowed at 2.49% APR for 84 months.
2Auto loan rebate will be 1% of the loan balance up to $200 and will be deposited into your primary share account.
3Payment can be deferred for 90 days, however, interest will accrue from date of contract.
Existing UCU loans are not eligible. Bonuses received will get a 1099-INT for tax purposes. Federally insured by NCUA.


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 Percetage 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!

Take Action Against Merchant Data Breaches

At University Credit Union we believe protecting the privacy and security of our members’ accounts is our most important responsibility. When we discover a data breach at retailers like Target or Home Depot, we take action immediately to change account numbers and issue new credit and debit cards for members who were affected.  In many cases, we can’t even tell you which merchant caused the breach even though we are working to protect your account from the fraud.

The possibility of having your personal financial data stolen is enough of a burden. You shouldn’t have to worry about who is going to clean up the mess and pay the bills for the fraud. In 2014, there were over 750 data security breaches and over 85 million data records exposed.

lf you’re like most people, you probably assume that merchants are responsible since their security failures caused the theft of your data. Unfortunately, that’s not how it works.

Credit unions like UCU bear the brunt of these costs after a merchant data breach, even though we (and members like you) had nothing to do with it.

Please view this short video that explains the issue in one minute:

 

data breach video

 

To give you one example, after the Target breach, credit unions were left on the hook for $30.6 million and credit unions reissued 4.6 million credit and debit cards. Because we are not-for-profit cooperatives owned by our members, you ultimately foot the bill. After you’ve been victimized by having your financial data stolen, you shouldn’t have to pick up the tab to clean up the mess.

Right now, merchants can shift most of the costs of their data breaches to others. So there is no incentive for them to spend the time and money to increase their data security. That’s wrong for consumers and it’s bad for our economy.

That’s why UCU and other credit unions across the country are working together to improve protections for consumers who are victims of merchant data breaches. We’re calling on Congress to step up and protect credit union members by supporting S. 961. This bill is a good start to addressing this critical issue by:

  • Strengthening merchant standards to be comparable with those of credit unions.
  • Mandating a federal notification requirement for merchants when breaches occur.
  • Providing a floor for data security standards nationwide.

Overall S. 961 represents the best attempt so far at legislation to stop merchant data breaches.

UCU hopes you’ll consider lending your voice to this important effort. Please click on this link to learn more about the problem and to send an e-mail to your U.S. Representative and U.S. Senators. UCU is listed as “University CU” in the credit union directory. Tell them you want them to take action to protect consumers like you.

lf you’d like to learn more about what you can do, please take a few moments to visit StoptheDataBreaches.com.