USE Credit Union

Loan Rates

Rates Effective: 

Auto, RV, & Boat Loans

APRs are based on a specific level of creditworthiness. **1.74% APR is based on approximately 24 monthly payments of $42.46 per $1,000 borrowed, and include an optional 0.50% Relationship Discount for establishing a USE Checking account with automatic transfer. 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 866.873.4968. Click here for a payment example for your specific loan needs.

Personal Loans

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)

Max. Combined Loan-To-Value Minimum Line Maximum Line Prime Rate Margin Variable APR without Autopay Variable APR with Autopay*
Up to 80% $10,000 $250,000 4.50% 0.50% 5.00% 4.50%

APRs listed are our best rates and may be higher based on your credit history and other qualifying criteria. The rate is variable any may adjust monthly. 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. *Autopay from a USECU checking account is required to receive the lowest rate, otherwise add 0.50%

Fixed-Rate Second Mortgage

Rate shown is the best rate. Rates are based on credit, loan term, combined loan-to-value and other criteria so your rate may differ. Click here for more rate information. $175 loan origination fee required. Financing available for owner-occupied, single family residences and 1-4 story condominiums in California only. Max loan-to-value 80%. Insurance required.

1st Mortgage Loans

1st Mortgage Loans
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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.


All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Some restrictions apply.

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ABA Routing Number: 322281691
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