USE Credit Union
Rates

Loan Rates

Rates Effective: 

Auto, RV, & Boat Loans

APRs are based on a specific level of creditworthiness. **1.49% APR is based on approximately 24 monthly payments of $42.35 per $1,000 borrowed, and include an optional 0.50% Relationship Discount for establishing a USE Checking account with automatic transfer. 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. Please call our Member Service Center at 866.USE.4.YOU (873-4968). Click here for a payment example for your specific loan needs.

Personal Loans

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.

Credit Cards

Credit Cards
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Home Equity Line of Credit (HELOC)

Standard Variable Rate Prime Rate Margin Minimum Line Maximum Line
3.99% APR 3.75% 0.00% $10,000 $250,000

Loans subject to credit approval. Rates, terms and conditions as of 2/1/2017 and are subject to change. APRs listed are our best rates and may be higher based on your credit history and other qualifying criteria. A $10,000 initial advance may be required. You may be required to reimburse us for closing costs if your line is closed in the first three years.

Fixed-Rate Second Mortgage

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

1st Mortgage Loans
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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 credit 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.

 

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866.873.4968
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