Skip to main content
Open an Account

Here's how the UCU Tech Loan works

  • Borrow amounts from $500 to $5,000
  • Special rates for Tritons that start as low as 9.74% APR
  • Repayment terms up to 36 months

Apply today and get automatically approved in 3 easy steps!

*APR=Annual Percentage Rate. Term of up to 36 months. Effective 08/23/2024. Rates are subject to change without notice. Rates are based on an evaluation of credit history and other factors specific to your loan. Estimated loan payment on a 24 month loan is $46.00 per every $1,000 borrowed at 9.74% APR. Payment example includes an Automatic Payment discount of 0.25% from a UCU Account only, and includes a 0.25% Repeat Borrower discount (Repeat Borrower discount of 0.25% is based on minimum 6 months of positive UCU loan repayment history). Must be 18 years or older to apply. University Credit Union Technology Loans apply to desktops, laptops, tablets, software and accessories. Loan amounts are from $500 up to $5,000. You are not limited to selecting a particular brand or model. All technology must be purchased through the UC San Diego bookstore. Proof of payment (receipt) or purchase order (invoice) is required at time of funding.

 

To establish a UCU Membership, you must deposit at least $5 to a Regular (Share) Savings Account. All accounts are subject to approval.

1APY = 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.

 

2APR = Annual Percentage Rate. Rates stated available on approved credit and may be different as determined by the individual creditworthiness of each applicant. The maximum annual percentage rate for a UCU Credit Card is 23.99% APR. Rates current as of September 19, 2024, and are subject to change based on market conditions and borrower eligibility.

Leaving University Credit Union Website

You are leaving ucu.org. The site you are about to visit is not operated by UCU. Please refer to the Terms of Use and Privacy Policy for this outside website as they may differ from UCU’s. UCU does not endorse and assumes no liability for any alternate website’s content and does not represent either the third-party or the member if the two enter into a transaction.