Home Equity Line of Credit – 1.99%* APR for 1 year

Lve your Home

Unlock the value in your home for the things that matter most like home remodeling, family vacations, wedding expenses, college educations, and more! Act now and get a Home Equity Line of Credit and take advantage of our introductory rate of 1.99%*APR for the first year.

• Borrow up to 90% of your combined loan-to-value

• No points or annual fees

• Minimum loan amount is $20,000

• Quick, convenient, online access Federally insured by NCUA

 Apply Now


*APR= Annual Percentage Rate. Introductory Rate good for 1 year from date of closing. Rate will change based on the index which is the Prime Rate as regularly published in the “Money Rates Table” of the Wall Street Journal. Payment ex.: $100,000 at 1.99% APR has a payment of $163.50 interest-only for 1 year. Interest-only payments apply to Home Equity Lines of Credit with a maximum 90% combined loan-to-value and during draw period only. Minimum Credit Limit $20,000. The current index for this quarter as of 6/13/18 is 5.00%. Rate is subject to change quarterly. Maximum rate is 17.99%. Floor rate is 4.00% Minimum payment during the draw period is the greater of $100 or equal the finance charges (interest) that accrued on the outstanding balance during the preceding billing period. All loans listed are available on primary member residences (single-family, owner-occupied detached dwellings, condos, or townhouses). Some restrictions may apply. Rates are subject to change without notice. Loans issued subject to credit review. UCU is federally insured by NCUA

Auto Loans-1% Cash Back + 90 Days No Payments!

Auto_1% Cash Back 90 days no payments

 Buy or Refinance your car loan from another lender to UCU and get:

• 1% Cash Rebate1
UCU will give you a cash rebate of 1% of your loan balance into your UCU checking account2.
No Payments for 90 Days3
Refinance your car loan from another lender and make no payments for 90 days!
Competitive Rates
Even if you don’t have perfect credit.
Hassle-free online application

Now you can sit back, relax and enjoy your ride!

Apply Now

1Car loan cash rebate of 1% of the loan balance will be deposited into your UCU checking account after your first car loan payment. Rebate received may be subject to 1099 miscellaneous reporting. At the time of rebate, account must be in good standing and loan must be open.
2Must open a UCU checking account with a $50 minimum deposit and sign up for eStatements to get the rebate.
3Payment can be deferred for 90 days, however, interest will accrue from the date of the contract.
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. Rates are subject to change at any time.
Estimated monthly payment example: New auto loan of $25,000 for 60 months for 100% LTV at 2.99% with Automatic Payment* and Repeat Borrower Discount** will have an estimated monthly payment of $449.14.
*Includes an Automatic Payment discount of 0.25% from a UCU account only.
**Includes a Repeat Borrower discount of 0.25% based on minimum 6 months of positive UCU loan repayment history.Existing UCU loans are not eligible. To establish a membership, you must deposit at least $5 to a Regular (Share) Savings Account. Contact UCU for complete details. Other restrictions may apply. UCU is federally insured by NCUA.

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, 10/1 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

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

Make Shopping Safer with Android Pay

There’s now a way to make shopping with your UCU cards easier. Add your UCU credit and debit cards to Android Pay, and start shopping in stores, in apps, and online. Android Pay™ lets you seamlessly tap and pay with your device at more than one million stores in the U.S. – with more locations being added every day. 

Set up Android PayTM in seconds:

  1. Get the app: Download Android Pay from Google Play.
  2. Add a payment: Choose your UCU credit card, debit card, or another way to pay.
  3. You are all set to pay: Open the Android Pay app, tap your UCU card and tap Set as default card.

Android Pay is compatible with the following devices:

  • NFC-enabled phones and tablets running Android OS 4.4 (KitKat) or higher
  • NFC-enabled Android smartwatches
  • Mobile ChromeTM browser running v53 or higherAndroid Pay even protects you if you lose your device. The online Android Device Manager lets you instantly lock your phone or tablet from anywhere, as well as secure it with a new password or wipe it clean of all your personal information.

Android Pay is secure.

Android Pay protects you if you lose your device. The online Android Device Manager lets you instantly lock your phone or tablet from anywhere, secure it with a new password, or wipe it clean of all your personal information.

Questions? Check out Android Pay Frequently Asked Questions: CLICK HERE


*Android, Android Pay, Chrome and the Android Logo are trademarks of Google Inc.