Young Couple New Home

3% Down Home Loans Are Here!

A home of your own. You call it something to dream about. We call it the dream you can have today! Meet your newest PAL – the Purchase Advantage Loan from USE Credit Union. PAL brings back the real opportunity to stop paying rent 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. That’s only a 3% down payment. Other terms and conditions apply – so we suggest getting acquainted with PAL today. Choose PAL – your BFF when it comes to buying a home.

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

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USECU makes Home Ownership more Valuable for Toreros

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 program2.

Special Offers:

University of San Diego Alumni who obtain a home loan from USE Credit Union have access to these great offers:

  • Up to a $615 credit for closing costs3
  • $750 Best Price Guarantee4
  • $250 Same-day loan decision5
  • $50 Cash Bonus when you open a USECU Free checking account with E-Statements.6

To receive these offers, simply mention the promo code: USDALUMNI, when applying for your USE Credit Union home loan or opening your membership and checking account. Apply online or at your local branch

Membership Perks

Here are just a few of the perks Toreros enjoy with USECU membership:

  • Free Checking with E-Statements
  • Low Rate Credit Card with Rewards
  • Auto Loans starting at 2.04%7
  • Free Online and Mobile Banking
  • Free Mobile Check Deposit and Bill Pay
  • Over 30,000 Surcharge-Free ATM’s Nationwide


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1. Payment example for a $453,100 30 year term with 4.464% APR and with a maximum principle and interest payment of 2,262.26 per month at an interest rate of 4.375%. Payment example does not include amounts for taxes, insurance premiums or mortgage insurance premiums; actual payment obligation may be greater. The interest payment is $3.65 per $1000.00. 2.The HomeAdvantageTM program is made available through a partnership with CU Realty Services. Visit for terms and conditions for cash-back rebate guarantees. 3. Offer expires 12/31/2018.Jumbo loans up to $2 Million. All loans subject to credit approval. Offer can change without notice. We’ll credit the Origination Fee on all purchases or refinances from $125,000 to $2 million. 4. Must be owner occupied 1-4 unit residence or 1-4 story condominium in California. Conventional loans only. Borrower must provide a complete, system-generated non-locked interest rate Loan Estimate, containing the other lenders name, dated the same day as the rate quoted by USE Credit Union, and disclosing the same loan program as offered by USECU. If such non-locked interest rate Loan Estimate shows an equivalent or lower interest rate and closing costs, and we have verified the accuracy of the rate and fees listed, then we will have the option of beating that lender's total loan costs by $100 or paying the member $750, (once they close the loan with that lender and provide us with a copy of the signed Note, Closing Disclosure and the Final Closing Statement). If the borrower provides copy of Loan Estimate where the interest rate is locked, this loan is not eligible for the Best Price Guarantee. However, USECU will attempt to beat the competitors pricing outside of the Best Price Guarantee. Product restrictions apply. 5. To be eligible for the same day loan decision you must provide us with all requested information, including permission to obtain a credit report. For a same day loan decision from one of our Mortgage Specialists, such information must be provided by 3:00 p.m. PST, Monday through Friday. 6. Offer valid to new members only. Must meet membership criteria. Subject to tax liability. Offer expires 12/31/18. 7. All loans subject to credit approval. Rates, terms and conditions are subject to change. Must be 18 years old to apply. 2.04% APR is valid as of 1/26/18 and reflects 100% financing and 60 fixed monthly payments of $17.56 per $1,000 borrowed. Stated rate is for vehicles 2012 and newer. Other rates are available and your APR may vary based on your vehicle, amount financed, term and credit history.