Best Rates in the Nation Guarantee*
We give you the best rates as a UCU member.
How does this help you?
We are the only financial institution nationwide to guarantee that our rates on auto loans, credit cards, consumer loans, and HELOCs are ALL within the top 5% lowest nationwide.
- If you take out a loan with UCU for a vehicle, credit card, consumer, or HELOC, you're guaranteed to be getting a great rate.
Check out our rates and see the difference
Auto loan rates
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Credit card rates
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Consumer loan rates
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HELOC rates
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How is our guarantee calculated?
UCU's loan rates are compared with top financial institutions across the country by an independent research team, and our best rates we offer members typically score within the top 5% of available options.
We want to help give you a financial advantage by saving you both time and money!
Join today and experience the value of being a member at UCU.
Relevant resources
Calculators
The more you know, the better prepared you are to make great choices for yourself and your family.
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Learning center
Gain a wealth of knowledge on subjects such as 529 plans, college financing, mortgages, and estate planning.
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Forms
From membership and loan applications to direct deposit and stop payments, our forms are conveniently available online.
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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, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, The Big West Universities, Western Athletic Conference Universities, Southland 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.
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, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, The Big West Universities, Western Athletic Conference Universities, Southland 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.
*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.
Membership resources
Membership Eligibility
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