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, 5, 7, or 10-year 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 1year LIBOR. Payment example is for illustration purpose only and is based on a 10year 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

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!


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Save 0.50%* when purchasing a car from Autoland!

Autoland Photo of LennyContact Lenny from Autoland for a new or used car.

Now you can shop smart and drive happy when you purchase a car from Autoland and take advantage of a 0.50% APR* discount on your UCU auto loan rate. UCU is proud to offer Autoland, the nation’s premier car buying service, as a concierge service to all UCU members!

Autoland Testimonial David Islas
“It was convenient and UCU’s Autoland service was excellent. Lenny was very helpful and made the car buying process easy.” David I.

Whether you’re looking to purchase a new or pre-owned car, trade-in your current vehicle, or just need expert advice on which car is right for you, Lenny Garifo, UCU’s Autoland Representative,  is available to guide you every step of the way. He is able to leverage a large auto dealer network and use Autoland’s buying power to help you get a great value for your car purchase, and/or vehicle trade-in.

Through its expansive auto network, Autoland can provide you with:

  • Access to extensive inventory of vehicles
  • Greater buying power
  • Virtually any make and model
  • Preferred pricing on some models
  •  All manufacturer incentives

Click the link below or call Lenny Garifo directly at 310-478-4198 or Autoland at (800) 234-6999.

Apply Now


*APR= Annual Percentage Rate. Autoland car loan rate discount of 0.50% good 1/8/18-3/31/18.  To qualify, members must purchase a new or pre-owned vehicle with UCU’s Autoland car buying service and finance a vehicle with a UCU car loan by March 31, 2018. Exceptions will be honored for UCU members who begin the buying process of a new vehicle with the Autoland auto buying service from 01/01/2018 – 03/31/2018 and the vehicle was factory ordered. Offer subject to change or end without notice and other restrictions apply. Please speak to with a Financial Services Representative for complete details.


Letter to Members from the CEO

                 David Tuyo, President & CEO

Happy New Year!

Every New Beginning Starts with an End.

The end of each calendar year reminds us to spend time in reflection, give thanks, and use the outcome of those practices in order to plan for the following year. As we reflect on 2017 at University Credit Union, a common theme amongst the team is that 2017 was a pivotal year with some stating it was a defining year. Your financial cooperative has laid the groundwork for the next five years. This includes a new real estate experience, a new online/mobile banking solution, an upcoming digital experience for membership and loans that will have few rivals, process improvements for expedited loan approvals and disbursements, and greater investments in the University Community to continue our 66-year partnership.

Our new real estate solution includes an entire overhaul of our real estate program and implementing a new infrastructure to allow University Credit Union to be in a better position to serve our member-owners for all of your residential real estate needs. We have launched an unparalleled online experience for application and fulfillment that will provide our member-owners significant cost and time savings.  Our costs will be severely reduced, well below the Mortgage Bankers’ Association averages. This savings will be passed to our member-owners in a variety of ways. We will be rolling out market leading mortgage programs around closing costs and other unique mortgage promotions. In addition, our average loan closing time will decrease by over 30% giving you increased freedom and control when choosing to close. This is just one step in our goal of designing an experience that is relevant, frictionless and effortless.

Our new online and mobile banking solution has been in process for almost a year and went live in December 2017. The solution will provide a modern platform to achieve the aforementioned goal of providing a relevant, frictionless and effortless experience.  Given your feedback, we have upgrades scheduled in early 2018, which includes providing a top 1% mobile application for our member-owners. The mobile/online banking experience will include significant enhancements to our membership and loan application process as well as the speed for decision making and expedited funding. Every action at your financial cooperative is motivated by you, our member-owners.  Our team of highly trained experts is focused on providing the University Community a financial edge. For over 66 years, University Credit Union has been an active partner of the University Community. From the early days, when a group of pioneering and passionate UCLA team members created an alternative to for-profit banks, to now in 2018 where we strive to support almost every area of our University partners’ lives.

University Credit Union is different by design.  We were designed by you, for you, and without the conflicts that plague many other financial institutions. We are a strong, vibrant member-owned cooperative that proudly serves the University Community exclusively! Thank you for your membership, your support, your ideas, and for sharing our story. We wish you a happy and prosperous 2018!

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.

Apply now for UCU’s Scholarship Program!


University Credit Union is excited to announce our 10th Annual Scholarship Program is accepting applications for the 2018 academic year.

UCU will award three $2,500 scholarships:

  • One for a high school student;
  • One for an undergraduate student;
  • And one for a graduate/doctoral student.

Any UCU member in good standing who is or will be a full-time undergraduate or graduate student at an accredited college or university is eligible to apply. You must be a member for at least six months to apply.

This year’s essay topic is, “Our credit union philosophy is – People Helping People. What should UCU do to make this philosophy relevant to students?”

Winners will be announced at our 66th Annual Meeting on March 21, 2018.


Completed application packages must be submitted by Wed., February 28, 2018.



Click here for the scholarship eligibility requirements.

LMU Alumni Preferred Auto Lender


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.


•    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


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

Apply Today!
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.