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What's New
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Refinance at UCU and give yourself some breathing room!
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**Rate effective 9/21/2009 and is subject to change without notice. Rate of 4.125% is fixed for the first 5 years. Thereafter, the rate adjusts annually based on the weekly average yield of the 1-year Constant Maturity (CMT) rate + a margin. Loan rate will never go higher than 7.125% or lower than 5.50%. Monthly payment per $200,000 borrowed for first 5 years at a fixed rate of 4.125% and an Annual Percentage Rate (APR) of 5.393%=$969.30.
Loans are available for refinances only, based on a maximum CLTV of 75% and maximum loan amount of $417,000. Available to members residing in California and on owner-occupied member residences (single-family dwellings, condos, townhouses and 1-4 unit multi-family dwellings) 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.
New Car Loan Rates as low as 3.99% APR*!
Get the new car you need - efficient size, better mileage and improved reliability- even in today's economy!
Let UCU help! To make your new vehicle purchase even more affordable, we've changed our rate structure to give you more options and even lower rates.
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 |
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 10/01/2009 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 2008-2009 model year cars only).
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 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.
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:
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.
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.
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.
Just in Time for the Holidays...$1,000 Holiday Loan!
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Apply for a UCU Holiday Loan Today!
Hurry, loan must be funded by December 31, 2009.
*The Holiday Loan is a $1,000 Personal Loan with a 12-month term at a fixed rate of 9.95% Annual Percentage Rate and must be set up on automatic payments. Other restrictions may apply.
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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. |
Copyright © 2009 All rights reserved.
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Applications: For more information, please e-mail us or call (310) 477-6628. |