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What's New

University Credit Union Announces Upgrade to Home Branch for May

UCU online access not affected by Heartbleed bug

Paul Yang introduced as President/CEO of University Credit Union

You could win a trip to the 2014 MLB® All-Star Game® with three friends, compliments of MasterCard!*

Put Your Equity to Use with a UCU Home Equity Loan

UCU Proudly Sponsors 15th Annual Bruin Run/Walk at UCLA

Congratulations to our $500 eStatement Contest Winner

Get a 2014 Honda Civic LX at Special AUTOLAND Pricing!

Shopping for a new home? Get your loan from UCU

Fight Identity Theft by Reviewing Your Credit Report Annually

Refinance Your Mortgage and Lock in a Rate You'll Love

Home Branch Update in May Adds Convenience Features

University Credit Union announced that a new release of its Home Branch online account access service will take place in mid-May 2014.

The upgraded Home Branch will feature a new design, less clicks for simpler navigation and new features that make financial transactions more convenient.

Featured in the next Home Branch upgrade:

  • New layout and navigation -- Important account information will still be conveniently listed in detail, but the ability to view additional information on one page will reduce the number of clicks.
  • Account alerts -- Receive timely e-mail notifications on transactions or actions you select. Select from 26 different options and many can be programmed by suffix.
  • "Quick link" menu -- Features one-click access to a short-view of account details and select functions.
  • Enhanced transfer functionality -- Transfers between suffixes can now be scheduled. One-time, monthly, weekly, quarterly are some of the options for scheduling transfers between accounts.
  • Memo field added to transfers -- Including a note in the Memo field on a transfer is a great reminder of the transfer reason.
  • Account nicknames -- Personalize your share or loan suffixes in Home Branch so you can easily recognize each account.
  • Secure messaging "behind the password" -- Contact credit union representatives about any transaction or other question in our new messaging platform. Secure messaging assures that your personal information will not be compromised.

Watch this space for more information on the launch date and the exciting new features and upgrades of Home Branch.

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Paul Yang announced as New President/CEO


Paul Yang, President/CEO

The University Credit Union Board of Directors and Supervisory Committee are happy to announce Paul Yang as its new President/CEO, effective March 24, 2014. Paul is very excited about the opportunity at University Credit Union, and said that he will work collaboratively with the Board of Directors, Supervisory Committee and the staff to lead University Credit Union to the next level of service and performance.

Paul shared his vision for University Credit Union to be the credit union of choice of all universities' students, alumni, faculty, and employees. Mr. Yang stated, "we will achieve our vision through relationship development, staff development, and products and services development." Paul highly upholds the credit union philosophy of "people helping people" and will continue this value at University Credit Union. "We will work hard until we achieve our vision," Paul comments.

Prior to coming to UCU, Paul worked at Premier Community Credit Union, in Stockton, CA as President/CEO for five years where he successfully led the credit union through the recent economic crisis. His other experience includes an Executive Vice President position at a Colorado credit union, executive position in a California credit union and an executive at high tech businesses.

Mr. Yang earned a bachelor's degree from UCLA and an MBA degree from Regis University. With extensive experience, skills and knowledge, Paul brings innovative thinking and passion for helping members.

Paul has been with his wonderful wife, Suzie, for nine years. They are blessed with the cutest 2-year-old daughter, Elissa. They enjoy taking small trips to nearby towns and just playing with Elissa.

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Score Baseball Tickets and a Winning Rate with UCU's
Grand Slam Auto Loans

Looking for a new car that's bigger, smaller or sportier? Let UCU help with our Grand Slam Auto Loans. Lead off with our lowest new auto loan rates ever. Round the bases with flexible terms for easier payments, then drive home your new car today!

  • Rates as low as 1.99% APR*
  • New 2013-2014 Models
  • Up to 125% financing
  • Up to 60 months
    (Longer terms available)
  • No loan application fee
  • Loans available for members with challenged credit
  • Plus, Get Free Dodgers or Angels Tickets**
    Enjoy a day at the ballpark on UCU! We'll give you free Dodgers or Angels tickets (vouchers valued at $50) with every New Car loan funded by May 31, 2014.

    Autoland always hits it out of the park
    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 car inventory and learn your options or call Lenny Garifo, our Autoland representative, at 310/ 478-4198 Get more information.

    Click for more car loan information or apply online today!

    *APR = Annual Percentage Rate. Rate quoted for 125% financing of new car loans, based on model years of 2013–2014, up to 60-month term. Rate effective 4/1/14 and 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. 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 as high as 18.00% APR, depending on credit review. Monthly payment per $1,000 for a 60-month term at 1.99% APR = $17.52. 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.

    **Baseball ticket offer applies to vehicle loans made for new car purchases (model years 2013–2014) only. Offer expires 5/31/14; loans must befunded between 4/1/14 and 6/30/14. Vouchers will be given upon loan funding and are valued at $50; cannot be substituted for cash. Vouchers can be used to purchase tickets for Angels or Dodgers games (subject to ticket availability), merchandise and food at the stadium. While supplies last. Additional restrictions may apply. Go to ucu.org for full details.

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    Congratulations to the $500 eStatement Contest Winner!

    Congratulations to Tricia Panganiban who won $500 from UCU!

     
    Tricia, pictured right, signed up for eco-friendly eStatements and her name was drawn at random as our prize winner. Any member who signed up for eStatements in January or February was automatically entered in the contest.

    eStatements save the environment by reducing paper waste, eliminate filing because they’re stored online for up to two years, and help us cut printing and mailing costs so we can continue to provide members with unbeatable value.

    Plus, eStatements are more secure than paper statements; they can’t be lost or stolen in the mail and access is controlled by your eBanking PIN. If you haven't signed up, enroll now through Home Branch, and start enjoying the convenience of all our self-access services.

    Congratulations Tricia, enjoy spending your $500 and thanks to all members who are "going green" and helping us cut paper waste with eStatements.

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    Refinance and lock in a low rate for peace of mind

    The home lending market can be unpredictable, so refinance now to secure today's low rates.


    Retire your mortgage in 10 years
    Our 10-year mortgage can save thousands of dollars in interest if you refinance at today’s low rates.

    Rate Recently Reduced!

  • 2.99% fixed-rate, 3.136% APR*
  • FREE Appraisal
  • No Points
  • Loans up to $417,000

  • Shorten your term to 15 years
    Slash interest costs and own your home in half the time in comparison to a traditional 30-year mortgage.

  • Need a longer term? Check out our 30-Year loans.
    3.50% rate, 3.559% APR*
  • FREE Appraisal
  • No Points
  • Loans up to $417,000


  • Ask about our Jumbo Loans
    We've increased our loan limits. Call for details and qualifications.

    Our Real Estate Loan Representatives are ready to assist you with your refinancing needs. Request loan information and an application now, call our real estate department at 310/ 477-6628, ext. 2304, e-mail us at real_estate@ucu.org, or stop by our main branch today.

    *Annual Percentage Rate and terms effective 11/19/2013 and are subject to change without notice. Monthly payment per $200,000 borrowed at the fixed-rate of: 2.99% for 10 years would be $1,930.30 and have a 3.136% APR; 3.50% for 15 years would be $1,429.77 and have a 3.559% APR. Loan amounts up to $417,000 have a maximum LTV (Loan to value) of 75% for 10- and 15-year mortgages. Quoted payments do not include taxes or insurance. 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.


    Free appraisal offer not available on CUSO Mortgage loans and valued up to $500.

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    Refinance Your Mortgage and Lock in a Lower Rate You'll Love

    Fall in love with your home all over again by refinancing your mortgage at today’s low rates. Sometimes 30 years is the best fit for your situation, especially if you want the lowest possible payments. Lock in a low rate now, before rates start to rise!


    30-year Conforming

  • 4.75% rate, 4.789% APR*
  • FREE Appraisal
  • No Points
  • 70% LTV
  • Up to $417,000



  • 30-year Jumbo
  • 4.875% rate, 4.902% APR*
  • FREE Appraisal
  • No Points
  • 50% LTV
  • Loans between $417,001 - $650,000

  • Our Real Estate Loan Representatives are ready to assist you with your refinancing needs. Request information now, call our real estate department at 310/ 477-6628, ext. 2304, e-mail us at real_estate@ucu.org, or stop by our main branch today.

    *Annual Percentage Rate and terms effective 8/22/2013 and are subject to change without notice. Loan amounts up to $417,000.00 max LTV (Loan to value) of 70% with a rate of 4.75%. Monthly payment per $200,000 borrowed at the fixed-rate of 4.75% for 30 years would be $1,043.30 and have an APR of 4.789%. Loan amounts from $417,001 to $650,000.00 have a max LTV of 50%. Monthly payment per $500,000 borrowed at the fixed-rate of 4.875% for 30 years would be $2,646.05 and the APR would be 4.902%. Quoted payments do not include taxes or insurance.

    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.

    Free appraisal offer not available on CUSO Mortgage loans.

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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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    Purchasing a New Home? Finance it with a Lender you Trust!

    Your home is the biggest purchase you’ll make. And we have everything you need to choose the best home loan. Members can apply for a mortgage loan online, get current mortgage loan rates and review educational information on home buying.

    • Apply Online -- No paper application needed! Easy, interactive design makes applying painless. Plus, personal login function lets you finish the application at your pace.

    • Today's Rates -- See today's rates and track rates as they change. View fixed and adjustable rate options for purchases and refinances.

    • Get Educated -- New to the home buying process? Check out the First-Time Home Buyer section. Want to learn more about purchasing or refinancing a home? The process is explained.

    UCU mortgage loans can be used for home purchases, home refinances (includes cash outs) and for refinancing income/rental property (single- to multiple-unit rental properties).

    Loan approval subject to income and credit evaluation. First mortgage loans are processed by CUSO Mortgage under contract with the Credit Union.

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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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    Winner announced for UCU's March Member Madness Contest

    Congratulations to Roy Ayala (pictured below,) the lucky member who was the Grand Prize Winner of a 2014 UCLA Men's Basketball Team Autographed Ball.

     

    On select days this March, UCU held March Member Madness Days at our UCLA Ackerman Branch location. UCU members along with the UCLA community were invited to join the celebration at our on-campus branch, where they entered a drawing, received free giveaways and participated in a basketball shootout contest for some great prizes.

    The UCU Staff congratulates Roy and would like to thank everyone who joined in the festivities.

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    You could win a trip to the 2014 MLB® All-Star Game® with three friends, compliments of MasterCard!*

    Use your UCU MasterCard® between March 1 and May 1, 2014 and you will be automatically entered for a chance to win a VIP experience at the 2014 MLB® All-Star Week in Minneapolis for you and three friends.

    Grand Prize includes tickets to the Gatorade All-Star Workout Day featuring the Home Run Derby®, the T-Mobile All-Star FanFest®, the 2014 MLB All-Star Game® and More!

    Don't have a UCU MasterCard? Apply now
    Visit www.mastercard.us/allstar for further details.


    *NO PURCHASE NECESSARY. Void where prohibited. PIN-Based, International, & MasterCard® Corporate card transactions not eligible. Starts 3/1/14. Ends 5/1/14. Restrictions apply. Visit www.mastercard.us/allstar for Official Rules & complete details. Major League Baseball trademarks and copyrights are used with permission of the applicable MLB entity. All rights reserved.

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    Get a New 2014 Honda Civic LX at Special AUTOLAND Pricing!

     

    Thinking about purchasing a new car?

    The Honda Civic is one of the best selling sedans in America and AUTOLAND has negotiated special low pricing for UCU members. Click for Honda details.

    Top that off with auto loan rates as low as 1.99% APR* from UCU and you'll definitely drive away happy!

    AUTOLAND is a complete auto-buying solution. Contact Lenny Garifo, an Autoland Representative located at University Credit Union, to take advantage of this special offer. He can even arrange for your vehicle to be delivered to a UCU branch. And, AUTOLAND takes trade-ins, too!

    Act Fast! This special pricing is only good through April 30, 2014. Contact Lenny Garifo at (310) 478-4198 or e-mail.


    *APR = Annual Percentage Rate quoted is for 125% financing of new car loans, based on model years of 2013–2014, up to 60-month term. Rate effective 3/01/14 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. 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 as high as 18.00% APR, depending on credit review. Monthly payment per $1,000 for a 60-month term at 1.99% APR = $17.52. 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.

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    Expecting a Tax Refund? Deposit It At UCU!

    Are you going to be one of the many Americans to receive a tax refund this year? If so, UCU is the perfect place to deposit your money.

     

    UCU has a number of accounts that can help you, all with no monthly fees and interest rates that generally top the competition:

    Be sure to have your refund sent to UCU electronically through direct deposit into your checking or savings account. The information you will need to know in order to receive your refund electronically is:

    Your UCU Member Number as it appears on your statement.
    Do not include suffixes.



    UCU's Routing/Transit Number:
    3 2 2 0 7 9 5 0 2



    Select either "checking" or "savings" for deposit.



    This service is free, easy and safer than a paper check delivered through the mail.

    You will also have peace of mind knowing your savings are federally insured to $250,000. IRAs are separately insured up to $250,000.

    Let us help you stimulate your savings! Contact us today at 310-477-6628, ext. 1.

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    You're Invited to Take a Spin at Credit Union Days!

    University Credit Union will be holding a Credit Union Day at the following location!

    UCLA DeNeve Plaza
    Thursday, April 17
    10:00 AM - 2:00 PM

    Stop by and have some fun. Don't miss out on free giveaways or try your luck at UCU's Prize Wheel.

    Get a free bonus gift when you open an account* or apply for a loan at this event.

    Come check out the fun and see what UCU is all about!

    *Be sure to bring a copy of your Driver's License and Employee/Student ID. $5 opens a savings account.

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    UCU is a Proud Sponsor of the Bruin Run/Walk at UCLA

    University Credit Union is once again a proud sponsor of the Annual Bruin Run/Walk at UCLA – a 5K benefitting the Mattel Children’s Hospital at UCLA. It will be held Sunday, April 27 at 7:00am at Wilson Plaza on the UCLA campus.  

    If you are interested in signing up as a participant of the 15th Annual Bruin Run/Walk, you can register or get more detailed information at www.bruinrunwalk.com.

    Can’t make it to the event? You can always donate online to this worthy cause. Gifts of all sizes are greatly appreciated. Every little bit helps.

    Mattel Children's Hospital UCLA ranks among the world's elite institutions for pediatric research, teaching and care, serving more than 6,000 inpatients and 100,000 outpatients annually. UCU is proud to support this worthy cause and the university community we serve.

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    Help UCU control expenses through your account activity

    Remember what it was like in the pre-internet/ATM days when it came to accessing your money? Writing out checks for bills, going to the branch when you needed to withdraw cash, and manually entering all transactions and adding and subtracting the entries in your check register (you verified the balance once a month from a mailed statement).

    We've come a long way. It's great that we have so many ways to conveniently do our banking - ATMs, Mobile Apps, Online Account Access, Web Bill Pay, Visa Debit Card and eStatements. They allow easy access to account funds and information.

    These services all come with costs of operation, though. We may take the services for granted without thinking of their operating costs. We're asking for your help to consider your usage habits and think about how you might be able to make a difference. When you can reduce expenses through efficient transactions, your credit union can reallocate that money to develop new and updated services. As a financial co-operative, University Credit Union's goal is to make enough so we can invest back into the co-operative for your benefit … the member-owner of UCU.

    We want you to use the services, but by bundling transactions or modifying your routine you can help UCU control its expenses in order to give you the greatest value in your membership:

    • Reduce/Eliminate Balance Inquiries at ATMs: Only do one inquiry if you really need your balance. Check your balance by phone, computer or tablet before visiting an ATM.
    • Cash Back at the Cash Register: Perform a bundled transaction at the grocery or drug store to get cash. Select 'Debit' when paying at the store, swipe your Visa Debit Card (with a PIN) and request cash back. This eliminates one additional ATM transaction cost for the credit union.
    • Take Larger Amounts at Each ATM Visit: Try to make less-frequent visits to the ATM. Figure the amount you need for a number of days. For example, if you use the ATM daily to withdraw $20, instead take $60 and go every third day. That's a big expense reducer.
    • Sign up for eStatements: You can view each official credit union statement securely online through Home Branch. You'll receive your account information faster than with mailed statements and there's a long history of statements you can refer to any time you choose. Cost reduction: postage, paper and printing.

    These are a few ways to help support the credit union so we can continue to offer you convenient services, affordable accounts and loans with generous terms. Our goal is to provide an array of helpful and convenient services with value to our diverse membership. We thank you for your help and support.

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    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.
    University Credit Union is an Equal Housing Lender.

    Copyright © All rights reserved.

     
    What's New

    Applications:

    Join UCU online!

    Apply for a loan online!

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