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What's New

Scholarship deadline extended until Friday, March 6, 2015

Get slam dunk savings when you buy or refi your car or credit card during March REFI Mania

Buying or Refinancing with UCU is as simple as 1, 2, 3!

New and Improved Website COMING SOON!

Attend UCU's Annual Meeting on Wed., March 18, 2015

Winners Announced for UCU's Match Your Mobile Check Deposit Sweepstakes

New NCUA Videos Educate Consumers on Frauds, Scams and Cyber Threats

NOW AVAILABLE: Mobile Check Deposit on the UCU Mobile App!

UCU MasterCard now has chip technology for making purchases in foreign countries

UCU now offers Instant-Issue Visa Debit and ATM Cards

Cruise into a Low-Cost Auto Loan

Put Your Equity to Use with a UCU Home Equity Loan

Fight Identity Theft by Reviewing Your Credit Report Annually


Get slam dunk savings when you buy or refi your car or credit card during March REFI Mania

You’re a winner when you refi your auto loan or credit card or both with UCU during March REFI Mania! You can score up to $325 cash back! Take advantage of our already low rates and this cash back offer for bonus savings! It's a win-win!

Buy or refinance your car

  • Rates as low as 1.99% APR1
  • Get up to $200 in rebates2
  • Earn a $75 giftcard when you purchase a car through Autoland3


  • Open a Credit Card
  • Low rate MasterCard®
  • No Balance Transfer Fees
  • Get up to $50 in rebates when you do a balance transfer4

    Apply now!
    Score big savings today and apply online now or call a Financial Services Specialist at 310.477.6628 for more information.

    Hurry, this slam dunk offer is only good until April 30, 2015.

    Offer ends 04/30/15. Loans available only to members residing in California. Loans subject to credit review and approval. Rates and terms subject to change at any time without notice. Restrictions apply. Contact UCU for complete details call 310.477.6628 or stop by any branch location.

    1 Annual Percentage Rates quoted includes a discount for automatic repayment. Your rate without automatic repayment will be .50 percent higher. Collateral must meet certain conditions. New and used car purchases up to 125% financing based on certain model years up to $150,000. Vehicles must be purchased and registered in California. Actual rate is determined by a combination of credit and income factors. Monthly payment per $1,000 for 60-month term at 1.99% APR = $17.53.
    2 Auto rebate paid at loan closing and will be deposited into your primary share account. Auto loans between $5,000 - $9,999 = $50 rebate; between 10,000 - $24,999 = $100 rebate; $25,000 and more = $200 rebate.
    3 AUTOLAND will give a $75 American Express gift card with the purchase of a new vehicle through their auto buying service.
    4 Credit card balance transfers must be completed within 45 days of account opening. Balance transfer of $2,500-$4,999 = $25 rebate and $5,000 or more = $50 rebate paid at the end of the 45th calendar day. Rebate will be deposited into your primary share account.

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    New and Improved Website COMING SOON!

    University Credit Union will launch a newly designed www.UCU.org website in March 2015. The focus of the redesign is to improve our members' overall online experience with a website that is easy to use and offers smooth navigation. The new website is designed to fit mutiple devices with responsive design.



    Our goal is to deliver a website that will be easier to view and is more streamlined with less clicks to get what you need most. The improved website will have the following new features:

  • Newly designed structure and easier navigation to popular pages
  • Responsive design to provide the same experience on your laptop, desktop computer, tablet or smart phone
  • Search function with improved search capabilities so you can find the information you're looking for quickly
  • Log in to eBranch directly from the home page
  • Chat feature to allow you talk to a Financial Services Specialist live.
  • Banner Ads with featured promotional offers


  • We hope you find the new website convenient and easy to use when it debuts. Stay tuned in the coming weeks for more information on the arrival of UCU's redesigned site.

    Please note: eBranch, the online banking website, is not changing! Once you log in to eBranch, you'll find the same convenient access and features.

    If you have any questions, please contact a Financial Services Specialist at 310.477.6628.

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    Don't wait. Mortgage rates have dropped!

    Lower your payments
    Now is the time to buy or refinance. Rates are the lowest in the last two years!

    Appraisal fee rebate*
    Up to $500 value when you buy or refinance your home.

    Get up to $1,000 credit in closing costs**
    Save money with a $1,000 credit** on your mortgage loan at closing

    Apply now!
    Apply online now or call our friendly, helpful real estate department at 310.477.6628 ext. 2304 or email us at real_estate@ucu.org.


    *Appraisal Fee credited back to borrower(s) at time of loan closing up to $500.
    **.25% credit on loan amount up to a maximum of $1,000 credited as a lender credit at loan closing. On a loan amount of $300,000 credit back towards closing costs can be as high as $750. This offer does not apply to FHA or VA loans. Offer valid from 2/9/15 - 4/30/15 and loan must fund by 6/15/15. Any and all credits outlined in this advertisement may not be available on all loan requests.

    All loans are available only to members residing in California and on primary member residences (single-family, owner-occupied, detached dwellings, condos, or townhouses.) Loans issued subject to credit review and approval. Additional restrictions apply. Programs, rates, terms and conditions are subject to change without notice. Call for today’s rates. Promo code: MTG215

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    Attend UCU's Annual Meeting

     

    Members are invited to join our annual meeting on Wednesday, March 18th at Noon. It will be held at the UCLA Faculty Center, Sequoia Room.

    You'll enjoy refreshments while learning about our operations and meeting our volunteer officials, management and staff.

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    Winners Announced for UCU's Match Your Mobile Check Deposit Sweepstakes

    Congratulations to the following UCU members who were randomly selected as the weekly winners of UCU's Mobile Check Deposit Sweepstakes.

     

  • Week 1 - Vilma Castro
  • Week 2 - Chad Jones (pictured)
  • Week 3 - Anne Nguyen
  • Week 4 - Belinda Delossantos
  • Week 5 - Francine Curtis
  • Week 6 - Julie Smith

  • Each of these lucky members used UCU's new Mobile Check Deposit feature on the UCU Mobile App and were automatically entered to win double their deposit!

    UCU randomly selected a mobile check deposit transaction each week during the sweepstakes period and matched the deposit up to $250.

    Thank you to everyone who entered the sweepstakes. We hope you are enjoying the convenience of Mobile Check Deposit. If you haven't tried this free and convenient feature on our Mobile App, get started now.

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    NOW AVAILABLE: Mobile Check Deposit on the UCU Mobile App

    Now you can make check deposits anywhere you can get a signal on your phone or tablet ... Mobile Check Deposit is here!

     
    This exciting update to the UCU Mobile App will save you time and money! No trips to an ATM or branch required. Download or update the latest app version on your Apple® or AndroidTM phone or tablet. You can start depositing immediately:

    • Sign in to your account on the UCU Mobile App
    • Click "Mobile Check Deposit"
    • Review and approve the User Agreement
    • Take a picture of your first check and click the "send" button
    • Keep your check for your records to verify that the amount posted correctly.
    It's that simple. You can deposit checks up to $5,000 per day to any of your share account suffixes, including checking, savings or special savings accounts.

    Learn more about UCU's free Mobile App and start depositing anytime, from anywhere.

    Mobile Check Deposit FAQ :: Mobile Check Deposit Agreement

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    Cruise into a Low-Cost Auto Loan

    Are you looking for a new or used car? Or, would you like to refinance your existing car loan from a dealer to UCU and save money each month? Let us help with some of the lowest rates we’ve ever offered. We are here to help get you the car you need and save you money!

     

  • Low monthly payments
  • Rates as low as 1.99% APR*
  • No loan application fee
  • New or Used Autos
  • 2008-2015 Models
  • You can relax and enjoy the ride knowing you got a great loan from a lender you can trust.

    Let Autoland help find you the car you want!
    Too busy to shop? Want to avoid the hassle at the dealership? Put Autoland on the search. AUTOLAND is a complete auto-buying solution. Browse AUTOLAND’s new and used car inventory and learn your options or call Lenny Garifo, our Autoland representative, at 310/ 478-4198.

    Click for more car loan information or apply online today!

    *APR = Annual Percentage Rate. New and used car purchases up to 125% financing based on certain model years. Rate effective 1/01/15 and is subject to change without notice. APR quoted includes a discount for automatic repayment. If automatic payment not used, 0.50% will be added to the loan rate. Monthly payment per $1,000 for a 60-month term at 1.99% APR = $17.52. Actual rate is determined by a combination of income and credit qualifications. Loans issued subject to credit review. Loans available only to members residing in California, and for vehicles registered in California. Maximum amount for any vehicle loan: $150,000. Other rates and terms available. Call for details.

    Used Car financing includes private party, dealership purchases, demonstration models and refinances of non-UCU loans. Financing based on Kelley Blue Book retail value plus tax, license and warranties.

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    Be on Alert: Phishing Scams Are Still Targeting Consumers

    Phishing occurs when scammers make phone calls or send e-mails that appear to be from legitimate companies in an attempt to acquire your personal information, such as Social Security numbers, account numbers, and PINs. You can protect yourself with these simple tips:
     


  • Don't share information - Legitimate companies will never ask for your personal information by phone or e-mail. Don't respond to requests for financial account numbers, Social Security numbers, or other information.
  • Avoid links - If you receive a suspicious e-mail, don't click on any links contained in the message or file attachments. You could be directed to a fraudulent website or to dangerous malware or viruses.
  • Spread the Word - Make sure all family members know how to spot phishing attempts. Kids and older adults often are more susceptible to these types of scams.
  • Watch for errors - E-mails that contain frequent spelling mistakes or poor grammar usually signal a scam.
  • Don't wire money - Never wire money in response to an e-mail request or to anyone you don't know. You'll be sending funds to a crook--and you'll be out the money when the scam is discovered.
  • Protect your computer - Update and run antivirus programs regularly.

    Educate yourself on ways criminals are trying to get your personal information. Read about what is happening and protect your personal information.

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    New NCUA Videos Educate Consumers on Frauds, Scams and Cyber Threats

    Educated Credit Union Members Play Important Role in Cyber Security

    ALEXANDRIA, Va. (Jan. 7, 2015) – Credit unions have a new resource to educate their members about frauds, scams and cyber threats with the release today by the National Credit Union Administration of a two-part video on how to recognize, avoid and report cyber fraud.

    “We all must contribute to protecting the broader credit union system,” NCUA Board Chairman Debbie Matz said. “Ongoing member education on topics such as detecting, avoiding and preventing fraud not only protects a credit union’s reputation, but it also helps members maintain their financial well-being. I encourage all credit unions to use these new videos when educating their members about protecting their finances and fighting cybercrime.”

    The videos are part of NCUA’s Consumer Report series developed by the Office of Consumer Protection.



    Part one explains on how fraudsters initiate contact with consumers and how to detect and prevent fraud. Part two provides helpful preventative techniques to assist consumers in identifying and combating different types of frauds, scams and cyber threats. Additionally, part two outlines steps for reporting fraud and provides a brief introduction to EMV (Europay, MasterCard, Visa) technology designed to make point-of-sale transactions safer.

    NCUA supports credit unions and their members with free financial literacy and consumer protection resources available at MyCreditUnion.gov. NCUA also provides up-to-date financial education information on the agency’s YouTube, Facebook and consumer Twitter feeds.

    NCUA is the independent federal agency created by the U.S. Congress to regulate, charter and supervise federal credit unions. With the backing of the full faith and credit of the United States, NCUA operates and manages the National Credit Union Share Insurance Fund, insuring the deposits of more than 98 million account holders in all federal credit unions and the overwhelming majority of state-chartered credit unions. At MyCreditUnion.gov and Pocket Cents, NCUA also educates the public on consumer protection and financial literacy issues.

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    Put Your Home's Equity to Use with a UCU Home Equity Loan

     
    Thanks to rising home values, you may have available equity. And accessing it with a UCU Home Equity Loan is the smart way to:

  • Make necessary home repairs
  • Remodel to improve your home
  • Pay tuition
  • Consolidate high-interest debt
  • Replace non-energy efficient appliances
  • Be prepared for unexpected expenses


  • We offer several loan choices, including a versatile line of credit or a fixed-rate loan for payments that never change.

    Now borrow up to 90% CLTV*
    Find out more about our new loan options that allows you to access your home's equity up to 90% CLTV.* Click here for details.

    And remember, your interest may be tax deductible. (Consult your tax advisor.)

    Get started by completing our Pre-Qualification Form today
    Start your loan request by completing the Pre-Qualification Form. Questions? Call our friendly, helpful real estate department at 310/ 477-6628, ext. 2304, e-mail us at real_estate@ucu.org or stop by our main branch.


    All loans listed are available only to members residing in California and on primary member residences (single-family, owner-occupied detached dwellings, condos, or townhouses) in the following counties: Los Angeles, Orange, Ventura, Riverside, San Diego and San Bernardino. Our Home Equity Loans are based on the available equity in the home. Some restrictions may apply. Call for full details. Loans issued subject to credit review.
    *Maximum 90% Combined Loan-to-Value (CLTV). Loan limits, terms and rates vary on all home equity loans.

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    If you're traveling out of the country, for purchases or ATM use, contact the credit union

    If you’re planning to use your UCU Visa® Check Card or UCU MasterCard while out of the country, please make sure you call UCU before you leave to inform us of the country and dates you will be away.

    We’d like to verify that the transactions that occur in these foreign countries are actually yours.

    For more information, please see the International Travel Tips below for the card(s) you plan on using.

  • UCU Visa® Check Card
  • UCU MasterCard
  • ATM Card Only
  • Contact a UCU Representative at 310-477-6628, ext. 1 for more information.

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    Fight Identity Theft by Reviewing Your Credit Report Annually

    Identity Theft and credit card scams are fast growing crimes. Thieves are using a variety of techniques to try to capture your personal data and credit card information. University Credit Union suggests little things you can do everyday that will make it difficult for thieves to use information about you.

  • Be very cautious about giving out your personal information to anyone.
  • Check all financial statements/bills to make sure the transactions are accurate.
  • Obtain a copy of your credit report at least once a year to review for any errors.


  • There are three different methods of obtaining your credit report. You can visit www.annualcreditreport.com, call (877) 322-8228, or mail a standardized form (downloaded from credit reporting agency web sites) to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

    Need help reading your credit report? If you have any questions about how to read your credit report, contact a trained representative at the BALANCE program. The people at BALANCE have been contracted by University Credit Union to offer free, unbiased counseling to credit union members.

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    MasterCard Chip Technology: Travel Around the World with Added Security

     
    Will you be traveling abroad soon?

    Before you pack your bags, upgrade to the internationally-accepted University Credit Union EMV Chip MasterCard. An EMV chip card is the preferred payment card type by merchants around the globe.

    The card's embedded chip adds a layer of security and gives you the ability to enter your PIN at unattended kiosks, parking garages and trains stations where magnetic strip cards cannot be used. It's the most fraud-resistant, universally-accepted payment method you can use anywhere your travels take you outside the U.S.

     
    Click here to learn more about our new MasterCards with chip technology.

    Apply now for the MasterCard you can use safely at more places worldwide.

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    Visa Debit and ATM Cards are now made instantly at each branch location!

    University Credit Union now offers instantly-issued Visa Debit and ATM cards for members who come into a branch. If you open a new account or need a replacement card, instantly-issued cards give you access to your account without the waiting for the card to arrive in the mail.

    Enjoy the benefits of Instant Issue Debit and ATM Cards
    Instantly-issued cards allow you to receive your card the same day; ready to use at the ATM, stores, businesses and online.

    • No more waiting 10 or more days for your debit card and PIN to arrive in the mail
    • Convenience of having immediate access to your funds with your debit card
    • If card is lost or stolen, new replacement cards are available in minutes
    • Security of having your debit card and PIN in hand before you leave
    • Eliminates possibility of lost or stolen cards through the mail
    Learn more about instantly-issued debit and ATM cards.

    Instantly-issued Visa Debit Cards can be used worldwide, wherever Visa is accepted. It also serves as your ATM card.

    The ATM card can be used around town or around the world at participating networks (see logos on back of card). For ATM locations, visit www.ucu.org/locations.

    Get your card now!
    Visit any University Credit Union branch to receive an instantly-issued debit or ATM card!

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    Write it. Film it. Win it!
    $7,000 in College Scholarships will be awarded!

    Need some extra cash to help pay for tuition, books or fees? Your UCU membership offers many valuable benefits, including eligibility to apply for a college scholarship. Impress us with your creativity and you could be the next scholarship recipient!

    Show off your writing skills or your video talents in UCU’s 8th Annual Scholarship Program. UCU will be awarding one $2,000 and five $1,000 scholarships to eligible college students.

    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.

    Enter our 8th Annual College Scholarship Program by submitting a completed Scholarship Application Packet and include an original 90-second video or an essay (up to 1,000 words) answering the following essay topic:

    “The credit union philosophy is “People Helping People”. What should credit unions do to make this philosophy relevant to students?”

    For more information or to apply, download the complete Scholarship Program Application Packet.

    Deadline extended!
    Completed application packages must be submitted by March 6, 2015.
    Winners will be announced at UCU's Annual Meeting on March 18.


    UCU employees and their families are not eligible to apply.

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    To view previously posted articles, visit the Archives page.

    PRIVACY POLICY | TERMS OF SERVICE | SITE MAP | CONTACT US

    Your savings federally insured to at least $250,000 through the National Credit Union Administration (a U.S. Government Agency) and backed by the full faith and credit of the United States Government.
    Your savings federally insured to at least $250,000 through the National Credit Union Administration (a U.S. Government Agency) and backed by the full faith and credit of the United States Government.
    University Credit Union is an Equal Housing Lender. NMLS# 409731
    University Credit Union is an Equal Housing Lender. NMLS# 409731

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    What's New

    Applications:

    Join UCU online!

    Apply for a loan online!

    For more information, please e-mail us or call (310) 477-6628.