USE Credit Union
USD Alumni Association

3% Down Home Loans Are Here!

For the first time in our 80-year history, USE Credit Union has created a mortgage that offers up to 97% financing. We call it the Purchase Advantage Loan (PAL). You’ll call it the opportunity of a lifetime to stop paying rent and have a home of your own. PAL brings back the real opportunity to stop paying ridiculous rents and have your money work for you. Do we keep it simple? Yes! Just purchase a home in California and make it your primary residence, and we’ll loan you up to 97% of the purchase price or the appraised value, whichever is lower. Naturally other terms and conditions apply – so we suggest getting acquainted with PAL today. Choose PAL – your BFF when buying a home.

To talk to a USE Credit Union Mortgage Specialist click here.

Benefit Spotlight

As a proud partner of USD Alumni Association, we’ve developed  the USD Alumni Homeownership Program, which provides USD alumni with: exclusive savings offers, home buying and ownership educational resources (such as webinars, workshops, articles), and FREE access to our HomeAdvantageTM program.

See how USECU’s HomeAdvantageTM program makes home buying easy.


* The HomeAdvantageTM program is made available through a partnership with CU Realty Services.  Visit for terms and conditions for cash-back rebate guarantees. **The Passport Unlimited program is made available through a partnership with Passport Unlimited and its affiliates.  Program participation is subject to change. Passport Membership is complimentary for one year. Passport Unlimited membership cards will be sent to the mailing address on record within 30 business days from loan funding. ***Offer valid to new members only and must meet membership criteria. Taxes may be owed on the retail value of the offer. Offer expires 6/30/17. ****All loans subject to credit approval. Rates, terms and conditions are subject to change. Must be 18 years old to apply. 1.49% APR is valid as of 7/13/16 and reflects 100% financing and 24 fixed monthly payments of $42.32 per $1,000 borrowed. Stated rate is for vehicles 2011 and newer. Other rates are available and your APR may vary based on your vehicle, amount financed, term and credit history. Federally Insured by NCUA. Equal Housing Opportunity.

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