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Powered by the Triton spirit
Whether you're pursuing further education, renovating your home, or planning a significant life event, the Triton Loan provides the financial support you need to confidently navigate your journey with University Credit Union (UCU).
Inspired by the drive and ambition of the Triton spirit
University Credit Union – the official financial services partner of UC San Diego – is proud to offer the Triton Loan, a special loan opportunity exclusively for the UC San Diego community.
Designed with your unique needs and aspirations in mind, the Triton Loan provides the financial support you need to achieve your goals, backed by one of the best rates in the country, guaranteed*.
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The Triton Loan is part of UCU’s Best Rates in the Nation Guarantee.
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Receive a 0.25% APR1 discount when you enroll in autopay.
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Flexible repayment timelines.
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Funds are deposited directly into your account!
You’re not alone when you apply for a loan
The Triton Loan can be used to finance a variety of projects, events, and other goals. If you have a large purchase on the horizon and would like to speak with an expert to find out if this loan is right for you, visit our team of Certified Credit Union Financial Counselors (CCUFC) at the UCU Banking Hub in Price Center!
Virtual and in-person appointments are available.
The Triton Loan can even earn you extra savings!
Earn up to 5.00% APY2 with University Checking from UCU.
Don’t just save with the low-rate Triton Loan – earn additional savings with your University Checking Account! Maximize your dividends with one of the highest-yielding checking accounts in the nation.
Take your Triton pride to the next level
Experience the UCU advantage. As the preferred financial partner of UC San Diego, we provide students, faculty, staff, alumni, and their families with exclusive benefits and personalized support to achieve their financial goals.
*UCU guarantees that our lowest loan rate for cars, credit cards, consumer loans, and HELOCs are in the top 5% nationwide as measured in a monthly rate survey by Rate Watch, a part of S&P Global. Rates are subject to approval and based on an evaluation of credit history and other factors specific to your loan (such as loan term, credit score, loan amount, loan-to-value, and length of credit) and may be higher than the lowest rates advertised. Rates are subject to change at any time.
1APR = 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, as applicable) and may be higher than the lowest rates advertised. Rate with Automatic Payment from a University Checking Account may be discounted by 0.25% APR as long as the rate does not fall below 9.74%. Credit Cards, HELOCs, and mortgages are excluded.
2APY = Annual Percentage Yield. To earn up to 5.00% APY, member must have a qualifying University Checking Account. Based on a combined rate of 4.88%. Credit card must be active, have at least one monthly transaction (excludes balance transfers and cash advances), and be enrolled in credit card eStatements to qualify for the extra 1.00% APY in dividends. Account does not earn dividends if there is a $0 balance in a HELOC at the end of the month. All accounts must be in good standing with no delinquency or bankruptcy pending. Multiple loans in the same category count for only 1.00% APY in dividends.
Qualifying University Checking Accounts will earn 1.00% APY in dividends on balances up to $25,000. Balances above $25,000 will be paid at the regular checking rate. Qualifying University Checking Accounts are defined as having at least 25 transactions per month (includes transactions made with both debit and credit cards) and enrollment in eStatements. If the requirements are not met, then no dividend is earned. Secondary University Checking Accounts not eligible to earn APY. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account at the end of each day. Dividends are disbursed monthly into the active University Checking Account. APY is accurate as of the last dividend declaration date. Fees could reduce the earnings on the account. Rate subject to change after account opening and may vary based on qualifications met at month end. Not valid with any other offers. To establish a UCU Membership, you must deposit at least $5 to a Regular (Share) Savings Account. A $50 minimum deposit is required to open a University Checking Account. All accounts are subject to approval.