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What's New
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Government Long-Term Care Insurance Program … Worth the Wait? |
Summer is here! Now's the Time to Get Moving!!
A new car’s great for summer vacation, or for commuting to work,
or hauling the kids’ soccer
team, or lowering your fuel
costs. So why wait? Our
rates are low and our flexible terms will give you a payment you can live with.
Choose a shorter term and make a down payment and you can pay as little as 3.99% APR*! Check out the new affordable options available to you.
| Term | 80% financing | 100% financing |
| 36 months | 3.99% APR | 4.99% APR |
| 48 months | 3.99% APR | 5.24% APR |
| 60 months | 4.49% APR | 5.74% APR |
| 72-84 months | 4.99% APR | 6.24% APR |
Car Buying Service
Don't forget to check out the great benefits of buying a car through Autoland! You can order, buy and pick up your next new or used car in the comfort of the UCU Main Office. Or, go on line and place your request.
Second Chance Financing Available
If you recently purchased a new car with bank or dealer financing, but learned our rates are better, we now offer second chance financing. Bring us that loan within 90 days of purchase and we'll refinance it at our new car rates!**
Click for more car loan information or apply online today!
*Annual Percentage Rate effective 9/01/2010 and subject to change without notice. Loans available only for new vehicles purchased and registered in California. Loans issued subject to credit review. 84 month term on loans of $30,000 or more. Monthly payment per $1,000 borrowed for 48 months at 3.99% APR=$22.58. **Available for new vehicle purchases only (New purchase for 2009-2010 model year cars only).
Could you use a $1000 college scholarship?
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 $1000 college scholarship. Impress us with your creativity and you could be the next winner!
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Enter our 4th Annual College Scholarship Program by submitting an original 90-second video* or write an essay
of approximately 500 words responding to one of
three questions listed on the application.
Completed entry forms are due by September 30, 2010. *Click here to see important video entry rules and guidelines. UCU employees and their families are not eligible to apply.
For more information or to apply for one of UCU's College Scholarships, download the complete rules and entry form.
This competition is open to any UCU member who is a full-time college or university student. Awards to be based on the quality and originality of the essay or video submitted.
Get a Mortgage That Feels Like Home!
UCU makes refinancing your first mortgage loan more affordable!
15-YEAR FIXED-RATE LOAN
With its low rate, this loan is designed for those of you who want a shorter term loan to pay off your mortgage sooner, little out-of-pocket expenses and a low fixed rate for more affordability!
NO CLOSING COSTS** - 15-YEAR FIXED RATE LOAN
For a loan with no out-of-pocket expenses, our 15-Year No Closing Cost Loan may be right for you.
**APR=Annual Percentage Rate. Rate and terms effective 08/31/2010 and are subject to change without notice. Rate of 4.25% is a fixed-rate for 15 years (4.25% APR). Monthly payment per $200,000 borrowed at a rate of 4.25% = $1,504.90. 3-year early termination fee will apply.
Loans are available for first mortgage refinances only, based on a maximum LTV of 70% and maximum loan amount of $417,000. Available to members residing in California and on owner-occupied member residences (single-family dwellings, condos, and townhouses ) in Los Angeles, Orange, Ventura, Riverside, San Diego and San Bernardino counties. Loans issued subject to credit review and approval. Not all applicants will qualify. Additional restrictions may apply.
You could Win a trip to a 2010 MLB World Series game with three friends, compliments of MasterCard!*
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What would it be like for you - and three friends - to attend a 2010 MLB World Series game, compliments of MasterCard? Here's your chance to find out!
Every time you use your UCU MasterCard card from August 1 through September 15, 2010, you'll be automatically entered for a chance to WIN a trip for you and three friends to a 2010 MLB World Series game.* Enjoy all the benefits of your MasterCard, and - for you and three friends - you just might hit a grand slam.
Visit www.priceless.com/gameday for further details.
*NO PURCHASE NECESSARY. Void where prohibited. PIN-based & international transactions ineligible. Starts 8/1/10. Ends 9/15/10. Restrictions apply. See Official Rules and complete details.
Late payments: working on a solution with you
If you are feeling anxiety, fear or uncertainty about bills that are getting harder to pay or are past due, you are not alone. More people are finding themselves in this situation and aren't sure what they can do to get help.
If you have a credit union loan that is past due or is getting harder to make, the first thing we suggest is to contact a credit union representative.
For members that have a home loan and are concerned about making payments for their loan, UCU has a Web site with some free information: Early Delinquency Intervention: Saving Your Home From Foreclosure. UCU will work with you to find a solution. Make the call today. Please contact a representative to discuss your loan repayment options by calling (310) 477-6628, x2815 (Monday - Friday 7:00 a.m. - 5:00 p.m.) or submitting an online contact form.
Retirement Income Options Can Include Annuities
Imagine this … opening up your mailbox and seeing a paycheck month after month for the rest of your life - guaranteed! And what's even better? That paycheck could go up each year to help keep pace with inflation.
One way to make sure that you always have money coming in during retirement, in addition to Social Security and any pension payment you receive is to turn part of your savings into payments that are guaranteed to last for the rest of your life.
An income annuity, technically called an immediate income annuity, allows you to maximize your income while ensuring that you won't run out of money. The range of payout options, include guaranteed monthly payments for life - income you cannot outlive. Not only does your annuity have a variety of lifetime income options for you, but it also offers joint income for you and a loved one or guaranteed income for just a set period of time. Joseph De Maria, the MEMBERS Financial Services representative located in the University Credit Union Main Office on Sepulveda, can help build a plan for your retirement income … a plan designed to provide peace of mind and reduce the worry about whether your money will last. Call Joseph to set up a no-cost, no-obligation appointment to discuss your options at (310) 477-6628, x2309 or click here to e-mail your request. Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (800) 369-2862. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. The Representative may also be a credit union employee that accepts deposits on behalf of the financial institution.
Go Paperless with MasterCard eStatements!
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Simplify your life by eliminating the wait for your UCU MasterCard statement! No more filing or mailing in payments, just a friendly email when your statement is ready! This is a safe and convenient way to receive your UCU MasterCard statement. Plus, you're helping us save the environment!
Simplify your life, enroll today!
Enroll in credit card electronic statements today and start enjoying the benefits of a simple life:
Locate Free CO-OP ATMs with the latest iPhone App
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Finding a network surcharge-free ATM is quick and convenient with CO-OP’s Locator App for iPhone. You can find the CO-OP ATM nearest you or search by a specific address, city, state or zip code.
The app is free, easy and there’s no registration process. Just search ‘CO-OP ATM’ in the App Store at www.iTunes.com. Then download, install and go! Or click here to download now.
You can also locate a CO-OP Network ATM through our Online Locator, Text Messaging or GPS. Get more details!
App is for locating CO-OP Network ATMs only. There is no charge for downloading the app at iTunes.com. However, web charges may occur on your cell phone bill depending on your data plan. Check with your service provider.
Stay in BALANCE during tough times
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Has the recession thrown your finances off
balance? Get back on track with expert guidance
from BALANCE, our free and completely
confidential financial counseling service available to UCU members:
Money management counseling
Learn to track your spending and create a
realistic budget.
Debt management
Assistance in developing a repayment plan to
reduce debt.
Foreclosure prevention counseling
Options to save your home and/or minimize damage to your credit.
Housing counseling
Learn about home purchasing basics and home
loan options.
Identity theft prevention
Tips for keeping personal financial
information private.
Credit report review
Understand what’s on your report, identify and
correct inaccuracies, and learn how to improve
your credit standing.
Go online to BALANCE to get more information to help get you on the right financial path.
If you're traveling out of the country, 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 right 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.
Contact a UCU Representative at 310-477-6628, ext. 1 for more information.
Government Long-Term Care Insurance Program … Worth the Wait?
Many credit union members have long-term care insurance on their radar. It's something they've heard about, read about or researched.
Some members have said that they are waiting to see what the government health care plan will offer. Here are a few pieces of information about long-term care coverage through the government's proposed plan (called the CLASS Act, for Community Living Assistance Services and Support):
If you're waiting for the government plan, you might end up waiting longer than you think. Long-term care insurance, offered to credit union members through the credit union's partner, offers policies that are affordable and are customized to suit your particular needs.
- The CLASS Act creates a government-mandated program, not a government-funded program. Each participant needs to pay into the program.
- The program won't start until 2012 or 2013
- Participants need to be employed and the program needs to be offered through their employer
- Premiums (your monthly insurance payments) have to be paid for five years before benefits can be paid (2018 likely the first year claims will be accepted).
Click for more information on long-term care insurance and then call for more information or to set up an appointment: (800) 443-6003.
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 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. |
 An additional $250,000 of coverage provided by American Share Insurance (ASI), a private corporation. |
 University Credit Union is an Equal Housing Lender. |
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Applications: For more information, please e-mail us or call (310) 477-6628. |