^{^}$150 Cash Back offer applies to vehicle loans of at least $7,500 refinanced from another lender to UCU. Offer expires 5/31/13; loans must be funded by 6/30/13. Existing UCU loans not eligible for refinance. $150 will be deposited into member’s Regular Share Savings Account upon funding.

**APR = Annual Percentage Rate. New and used car purchases up to 125% financing based on certain model years. Rate effective 05/01/13 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. Monthly payment per $1,000 for a 60-month term at 2.49% APR = $17.75. The actual rate, length of repayment and amount financed you may receive is determined by a combination of factors, including credit qualifications, credit score, loan amount, collateral, down payment and terms. Rate maximum can be 18.00% APR, depending on credit review. 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: $75,000. Other rates and terms available. Call for details.

¹Annual Percentage Rate and terms effective 5/10/2013 and are subject to change without notice. Monthly payment per $200,000 borrowed at the fixed-rate of 2.875% for 15 years would be $1,369.17 and have a 2.93% APR. Quoted payments do not include taxes or insurance. Loan amounts up to $417,000 have a maximum LTV (Loan to value) of 75% for 15-year mortgages. Loan amounts from $417,001 to $650,000 have a maximum LTV of 60% for 15-year mortgages. All loans 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. Loans issued subject to credit review and approval. Additional restrictions may apply. Call for today’s rates.

Share Certificate (CD) rate in rate chart is for a $100,000 minimum deposit, for a term of 1 year. There may be penalties for early withdrawal. Rates are subject to change without notice.

The Home Equity Line of Credit Loan rate quoted is an introductory rate for 12 months. At the end of the introductory rate period, the rate will convert to the non-discounted variable annual percentage rate schedule, currently at 5.00% APR (and, based on this rate, has a maximum rate of 11.00% APR) for 70% Combined Loan-to-Value (CLTV). Some restrictions may apply. Rates subject to change quarterly. Call for full details.