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| Current Rates |
| | | New Auto | 4.99% APR*
| | Celebrity Visa | 6.90% APR
| | 12-Month Share Cert. | 1.25% APY
| | 24-Month Share Cert. | 2.10% APY
| | 36-Month Share Cert. | 2.35% APY |
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LOANS
Expand your financial power with a loan. As a member you receive below market rates and flexible terms help you enjoy loans of every kind—including, vehicle, real estate, personal, and student loans.
Click here to apply for a loan online.
VEHICLE LOAN
Automobiles, Trucks & Vans - Up to 120% financing of Purchase Price or Retail Kelly Blue Book
- New—Up to 84 months / Used—Up to 72 months
- Financing includes tax, title, license, Mechanical Repair Coverage, GAP Insurance, Credit Life and Disability Insurance
Auto Buying Service
Want the avoid hassle car shopping? Take advantage of our convenient auto buying service. Whether you’re looking for a new or used car, AutoAlliance can arrange a great deal for you. No hard sell tactics. No pressure. No games. To find out more, call (800) 568-9550 or visit their website at http://www.autoalliance.net/ . Members must get pre-approved first.
Recreational Vehicles (RV’s) & Boats
- New or Used
- Up to 144 months
Motorcycles, ATV’s & Watercrafts
- New or Used
- Up to 144 months
Note: Rates for all vehicle loans are based on the year of the vehicle. Certain conditions and restrictions apply; your rate may be higher. Final rate is based on creditworthiness and term of the loan.
Maximum vehicle loan financing includes tax, title, license, Mechanical Repair Coverage, GAP Insurance, Credit life and disability insurance. Not all members will receive the lowest interest rate. Rates, terms and loan amounts are based on approved credit and are determined by a managed risk program. All rates and terms are subject to change without notice.
HOME LOAN
In the market to purchase a new home? Looking to refinance your mortgage? UCSCU offers a wide range of home loan products to fit your needs.
Helpful Information about the Mortgage Loan Process:
CREDIT CARDS
Our complete line of competitive rate credit cards make it easy to select the card that best fits your purchasing and payment needs.
| | Visa Classic
| Visa Platinum
| Visa Celebrity
| Annual
Percentage
Rate* | 11.9%
to
18% | 9.9%
to
18%
| 6.9%
to
18%
| Other APRs
Cash Advances
and Balance
Transfers | 11.9%
to
18% | 9.9%
to
18% | 6.9%
to
18% | | **Default Rate | 18%
| 18%
| 18%
| | Annual Fees | None | | Features | •Worldwide acceptance at more than 28 million
locations
•Free Internet Branch online account access | Travel
Insurance | Platinum:
•$250,000 Travel Accident Insurance
•Auto Rental Insurance | Minimum
Payment | 2.5% of outstanding balance or $25, whichever is greater | Payment
Options | •Monthly statement
•Automatic payments from an eligible UCSCU account
•Cash payments |
*Rate differential based on credit score.
**Default rate effective if payment not received within 60 days of payment due date.
PERSONAL LOANS
Our personal loans are perfect for helping you make a big purchase, finance an education, or take your dream vacation. You may borrow up to $15,000 with our competitive rates and fixed payment plans.
SECURED LOAN
Want to borrow at a lower interest rate? Secured loans enable you to use your savings or other investments as collateral. Secured loans do not require credit approval.
Share Secured Loan
Borrow against your Prime Shares for 3% APR over the dividend rate for up to 5 years financing.
Certificate Secured Loan
Borrow against your Certificate for 3% APR over your Certificate Rate for the term of the Certificate.
OVERDRAFT
At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. While we do not encourage overdrafts, we do want to save you from the additional merchant fees and possible damage to your credit history. That is why we provide overdraft protection for your UCSCU accounts.
Overdraft Protection
Tied to your Share Draft (Checking) account, this loan covers overdrafts up to a specified limit.
STUDENT LOAN
Make College a Reality
Get Your Student Loan from Universal City Studios Credit Union
Lender Code: 833472
You know the value of a college education. Getting a college degree is a worthwhile goal. College graduates make an average of one million dollars more than those without college degrees (www.studentloanfacts.org). But the cost of a college education can be overwhelming for both students and parents. That’s why Universal City Studios Credit Union offers Federal Family Education Loan Program (FFELP) loans. If you or another family member plans to attend a university, technical college, or any specialized training program, Universal City Studios Credit Union can help you with the funding you need to pursue your dreams .
FFELP offers loans for students and parents. Stafford Loans
The subsidized Federal Stafford Loan is based on financial need. The government pays the interest while you are in school. The unsubsidized Federal Stafford Loan is not based on need but family income is a determining factor. You pay all the interest, although you can have the payments deferred until after graduation.
Grad PLUS Loans
Creditworthy parents of dependent undergraduate students and graduate/professional students can apply for this loan, which is not based on need.
Learn more about low-interest federal student loans.
Refer to the Student Loan Quick Reference Guide for more details on Stafford and PLUS Loans including:
How to obtain a federal student loan
1. Complete a FAFSA
Before you begin applying for a Stafford and/or PLUS Loan, you must first complete the Free Application for Federal Student Aid (FAFSA). It must be completed for each academic year that you request federal aid. FAFSAs for the upcoming academic year are available online on or after January 2. Contact your school for their application deadline.
2. Receive your SAR
Once your FAFSA is processed, a Student Aid Report (SAR) is created. If you completed your FAFSA online, allow 1-2 weeks for you and your school to receive the SAR electronically. Paper FAFSAs take 6-8 weeks to process.
3. Receive your Award Letter
Your school(s) use data from your SAR to determine your financial aid award for the current academic year and send you an award letter by e-mail or US Mail. (If your letter mentions the William D. Ford Direct Lending Program, contact your school for the appropriate promissory note.)
4. Complete a Master Promissory Note
Apply fast and easy on-line and receive answers to frequently asked questions.
Apply Now for a Federal Stafford Loan
Apply Now for a Federal Graduate/Professional PLUS Loan
Apply Now for a Federal Fast Plus Graduate Loan
5. Your School will Receive the Funds
Stafford and GradPLUS Loans are guaranteed and serviced by Great Lakes. When Great Lakes receives the Master Promissory Note from the credit union and School Certification Form from the school indicating the loan amount and disbursement dates, funds will be sent to the school.
6. Access Your Loan Account Online
You can check the status of your loan, view your account information and make payments from your bank account 24/7 at www.mygreatlakes.org, Choose ”Borrowers” and then log in to access Internet Borrower Inquiry Service. This site offers a variety of tools for calculating the cost of your loan. It’s your resource to forms, a glossary of financial aid terms, contact information, and lots of other information to help you manage your loans.
7. Call These Toll-free Numbers for Loan Inquiries
Manage your finances
Universal City Studios Credit Union and Great Lakes are committed to helping students learn to manage their finances. The regularly updated Personal Financial Management Resources provides information on anticipating college costs and staying in control of your finances while in school.
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