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Personal Line of Credit

A personal line of credit is a simple and affordable way to get on top of your finances. You can use the funds to pay for anything you like, or you can keep the money in reserve for a rainy day. You can even use your line of credit to consolidate your debt.
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Benefits of a personal line of credit with UCU - Los Angeles, California, United States

Benefits of a personal line of credit with UCU

  • Pay a low APR* on your monthly balance  
  • Use your funds for any purpose - no restrictions 
  • Quick and simple access to funds 
  • Transfer funds from credit line to checking account with digital banking  
Apply now about Benefits of a personal line of credit with UCU
Interest Rate Fees

As low as 14.69% APR1
No annual fee or cash advance fees
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Frequently asked questions

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Resources from University Credit Union

Enjoy digital banking 

Enjoy digital banking 

You can access all your accounts anytime, anywhere, saving time and helping you operate more efficiently.
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Financial tools

Financial tools

UCU provides educational modules to make you an expert in budgeting, home loans, retirement, and more.
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Account services

Account services

Enjoy free ATMs nationwide, secure domestic and international wire transfers, and access convenient digital banking.
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Excellent customer service, very friendly staff.

– Marie D

    Giving our University Communities a financial advantage
    University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.

    *APR = Annual Percentage Rate.

     

    1Rates are based on an evaluation of credit history and other factors specific to your personal line of credit and may be higher than the lowest rates advertised. Rate may change based on the index which is the Prime Rate as regularly published in the “Money Rates Table” of the Wall Street Journal. The current index for this quarter as of 12/11/2025 is 6.75%.

    Consolidation Loans

    Combine your debt into one monthly payment with a competitive interest rate with a consolidation loan.
    Learn more about Consolidation Loans

    Personal Loans

    Go on a honeymoon or vacation or pay for a vehicle repair with a personal loan.
    Learn more about Personal Loans

    Find a location near you

    You're covered from coast to coast with 30,000 surcharge free CO-OP ATMs and 5,000+ shared branches
    Find a branch Click on Find a location near you

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