Your Security 
Loan Rates
| Variable APR | Index(Wall Street Journal Prime Rate) | Margin | Minimum Line | Maximum Line | Floor | Ceiling |
| 4.00%* | 3.25% | .00%* | $10,000 | $250,000 | 4.00% | 15.00% |
- Credit lines up to $250,000
- Term: 10-year draw, followed by a 15-year repayment period
- Interest-Only payments available
- No points, fees, or upfront costs2
- Convenient checkbook, ATM and Online Banking access
- No annual fee3
- Potential tax deductions - check with your tax advisor
- Minimum monthly payment is only $154
- USE is an Equal Housing Lender
All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Your payment may increase as a result of re-amortization at the onset of the repayment period. Must be owner-occupied, single-family residence or 1-4 story condominium in California only. Annual Percentage Rates listed are our best rates and may be higher based on credit history and other qualifying criteria. Click here for rate details/quote.
*Rates effective as of 6/1/2009. The Annual Percentage Rate can adjust monthly and may be as low as the Prime Rate (as published in the Wall Street Journal - currently
3.25%
) plus a margin based on credit criteria and relationship based discounts. Currently qualification for a Relationship Discount of .50% requires automatic payments to new HELOC from a USE Checking Account and minimum combination of $10,000 initial advance and/or deposit at USE. Rate will never be less than our floor rate of 4.00%. Your rate may be higher. Although your fully-indexed rate is subject to change monthly, the Prime Rate may change at any time. The maximum APR is 15.00%. Maximum Equity Line is 80% Combined Loan-To-Value (CLTV) with a maximum loan of $250,000. Comprehensive fire and hazard insurance required.
2. If the loan is closed within three years of origination, an Early Account Closure Fee of $500 may be assessed. A Reconveyance Fee is charged when your line is closed and your balance is paid in full.
3.The $50 Annual Fee is waived the first year and assessed on your anniversary date any year thereafter your balance falls below $10,000.
4.Minimum monthly payment is $15 or your entire balance, whichever is less.
| FIXED RATE SECOND MORTGAGE LOANS |
| Rate as low as 7.25% |
All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Click here for more rate information. Certain terms and restrictions apply. Rate is based upon credit criteria. Your rate may be higher. $175 loan fee. Regular fees may apply at the end of the loan (e.g., responding to a demand and/or preparing a reconveyance). Please consult your tax advisor for IRS guidelines on the deductibility of interest payments. USE is an Equal Housing Lender. Financing available for owner-occupied, single family residences and 1-4 story condominiums in California only. Comprehensive fire and hazard insurance required.
| 1st Mortgage Loans |
| View Current Rates |
| LOAN TYPE | MAX LOAN AMOUNT* | LOAN TERM | RATES | APPLICATION FEE IF APPLICIABLE | APR** |
| New Auto (Model Year 2008 and Newer) | Up to 125% of the Vehicle's Base Invoice | Up to 84 months | 1.99% to 16.99% | N/A | 1.99% to 16.99% |
| Used Auto (Model Year 2007 and Older) | Up to 115% of Base Retail Kelley Blue Book Value | Up to 84 months | 3.49% to 17.99% | N/A | 3.49% to 17.99% |
| New Motor Home | Up to 80% financing of purchase price | Up to 180 months | 9.49% to 16.99% | N/A | 9.49% to 16.99% |
| Used Motor Home | Up to 80% of wholesale Kelley Blue Book Value | Up to 180 months | 9.86% to 17.36% | N/A | 9.86% to 17.36% |
| New Boat | Up to 80% financing | Up to 180 months | 9.49% to 16.99% | N/A | 9.49% to 16.99% |
| Used Boat | Up to 80% of Marine Survey Value | Up to 180 months | 9.86% to 17.36% | N/A | 9.86% to 17.36% |
APRs are based on a specific level of creditworthiness, a new or used car purchase and a minimum loan amount of $10,000. 1.99% APR is based on approximately 24 monthly payments of $42.54 per $1,000 borrowed. Rates, terms and conditions subject to change without notice. APRs subject to loan term and amount financed. Rates are listed in a range from lowest to highest, and certain terms and restrictions may apply. Lowest APR shown reflects rate discount for automatic payments from a USE checking account. The loan interest rates and monthly payment information provided are only estimates. Actual interest rates and monthly payment amounts are based on your personal credit history and will be provided upon receipt of a completed loan application approved by USE Credit Union. Please consult your tax advisor for IRS guidelines on the deductibility of interest payments. USE is an Equal Housing Lender. Financing may include dealer service contracts, such as Guaranteed Auto Protection and Mechanical Breakdown Insurance. USECU also offers similar service contracts at very reasonable rates.
Click here for a payment example for your specific loan needs.
| LOAN TYPE | MAX LOAN AMOUNT | LOAN TERM | RATES | APPLICATION FEE IF APPLICIABLE | APR |
| Signature Loan | Up to $30,000 | Up to 96 months | 12.99% to 28.49% | N/A | 12.99% to 28.49% |
All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. The APR represents the total cost of credit, including fees. Rate is based upon credit criteria. Your rate may be higher. Rates are listed in a range from lowest to highest, and certain terms and restrictions may apply. $30,000 is the max combined total unsecured loan limit/balances per member.
Click here for a payment example for your specific loan needs.
| Interest Rates and Interest Charges | |||||||
| Annual Percentage Rate (APR) for Purchases | 2.99% introductory APR in effect for at least 6 months. Thereafter, the APR will be 9.90%. | ||||||
| APR for Balance Transfers | 2.99% introductory APR in effect for at least 6 months. Thereafter, the APR will be 9.90%. | ||||||
| APR for Cash Advances | 2.99% introductory APR in effect for at least 6 months. Thereafter, the APR will be 9.90%. | ||||||
| Penalty APR and When it Applies | None | ||||||
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. | ||||||
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $.01. | ||||||
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard/ | ||||||
| Fees | |||||||
| Annual Fee | None | ||||||
Transaction Fees
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Penalty Fees
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How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement. The following disclosure represents important details concerning USE Credit Union’s credit card. The information is accurate as of February 19, 2010 and may change after this date. You may call us toll free at (866) USE-4-YOU or write us at USE Credit Union, 10120 Pacific Heights Bl, San Diego, CA 92121 to inquire if any changes have occurred since the date stated above.
All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Rate is based upon credit criteria. Your rate may be higher. Promotional rates are applicable only to USE Credit Union VISA applicants who establish a new VISA account from 6/1/10 – 12/31/10. Internal VISA balance transfers or existing cardholders wishing to upgrade or change VISA products do not qualify for these promotional rates. Rates effective 6/1/10.
| Interest Rates and Interest Charges | |||||||
| Annual Percentage Rate (APR) for Purchases | 2.99% introductory APR in effect for at least 6 months. Thereafter, the APR will be 12.90%. | ||||||
| APR for Balance Transfers | 2.99% introductory APR in effect for at least 6 months. Thereafter, the APR will be 12.90%. | ||||||
| APR for Cash Advances | 2.99% introductory APR in effect for at least 6 months. Thereafter, the APR will be 12.90%. | ||||||
| Penalty APR and When it Applies | None | ||||||
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. | ||||||
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $.01. | ||||||
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard/ | ||||||
| Fees | |||||||
| Annual Fee | None | ||||||
Transaction Fees
|
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Penalty Fees
|
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How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement. The following disclosure represents important details concerning USE Credit Union’s credit card. The information is accurate as of February 19, 2010 and may change after this date. You may call us toll free at (866) USE-4-YOU or write us at USE Credit Union, 10120 Pacific Heights Bl, San Diego, CA 92121 to inquire if any changes have occurred since the date stated above.
All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Rate is based upon credit criteria. Your rate may be higher. Promotional rates are applicable only to USE Credit Union VISA applicants who establish a new VISA account from 6/1/10 – 12/31/10. Internal VISA balance transfers or existing cardholders wishing to upgrade or change VISA products do not qualify for these promotional rates. Rates effective 6/1/10.
| Interest Rates and Interest Charges | |||||||
| Annual Percentage Rate (APR) for Purchases | 17.90% | ||||||
| APR for Balance Transfers | 17.90% | ||||||
| APR for Cash Advances | 17.90% | ||||||
| Penalty APR and When it Applies | None | ||||||
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. | ||||||
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $.01. | ||||||
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard/ | ||||||
| Fees | |||||||
| Annual Fee | $5 | ||||||
Transaction Fees
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Penalty Fees
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How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement. The following disclosure represents important details concerning USE Credit Union’s credit card. The information is accurate as of February 19, 2010 and may change after this date. You may call us toll free at (866) USE-4-YOU or write us at USE Credit Union, 10120 Pacific Heights Bl, San Diego, CA 92121 to inquire if any changes have occurred since the date stated above.
All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Rate is based upon credit criteria. Your rate may be higher. To be eligible for a USE Visa card, you must be at least 18 years of age and a permanent U.S. resident with a Social Security Number. Applicants under the age of 21 must provide a qualified co-signer with the means to repay any extension of credit or the applicant must demonstrate that he/she has the independent means to repay any extension of credit. Rates effective 2/19/10.
Visa Platinum Secured / Student Platinum Secured
- No credit check required
- No income verification required
- Available to 18 years of age and older
- Credit line amount from $100 to $100,000
- Secured by USE Visa Savings Secured account, earning 0.25% fixed APY.
- Secured-savings balance is 130% of Visa credit line, so a $1,000 credit line requires a $1,300 secured savings balance.
| Interest Rates and Interest Charges | |||||||
| Annual Percentage Rate (APR) for Purchases | 4.99% | ||||||
| APR for Balance Transfers | 4.99% | ||||||
| APR for Cash Advances | 4.99% | ||||||
| Penalty APR and When it Applies | None | ||||||
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. | ||||||
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $.01. | ||||||
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard/ | ||||||
| Fees | |||||||
| Annual Fee | None | ||||||
Transaction Fees
|
|||||||
Penalty Fees
|
|||||||
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement. The following disclosure represents important details concerning USE Credit Union’s credit card. The information is accurate as of February 19, 2010 and may change after this date. You may call us toll free at (866) USE-4-YOU or write us at USE Credit Union, 10120 Pacific Heights Bl, San Diego, CA 92121 to inquire if any changes have occurred since the date stated above.
All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Rate is based upon credit criteria. To be eligible for a USE Visa card, you must be at least 18 years of age and a permanent U.S. resident with a Social Security Number. To qualify, the applicant must pass ChexSystems and must establish Direct Deposit to USE Checking/Savings account. Rates effective 6/1/10.
