Loan Rates

Rates current as of and subject to change at any time.

Vehicle LoanAvailable TermsAPR
New Automobiles, Trucks, Vans up to 84 months as low as 1.74%*
Used Automobiles, Trucks, Vans up to 72 months as low as 2.99%**
New/Used RV's & Boats up to 180 months 5.75%**
New/Used Motorcycles, ATV's&Watercrafts up to 66 months 5.50%**

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Personal Loans & Lines of CreditAvailable TermsAPR
Certificate Secured Loan
100% of Certificate
($500 minimum)
Up to 48 months. Prior to Certificate Maturity Certificate Rate +3%
Share Secured Loan
100% of Share Account ($500 minimum)
Up to 84 Months Dividend Rate +3%
Signature Loan Up to 60 Months 10.00% to 22.00%***
Credit Cards Revolving 6.90% to
18.00%***

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*As low as 1.74% APR (Annual Percentage Rate) is our best auto loan rate on approved credit on New Vehicle purchases. Rate includes a .50% discount for a maximum 36-month term, and also includes a .25% discount for automatic payment from your UCSCU account. Rate subject to increase if automatic payment is discontinued. Conditions and restrictions apply. Final rate is based on credit worthiness and loan term. Maximum vehicle loan financing includes tax, title, license, Mechanical Repair Coverage, 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 determined by a managed risk program. All rates and terms are subject to change without notice.

**APR = Annual Percentage Rate. Rates subject to change at any time. Rate includes a .25% discount for Automatic payment from your UCSCU account. Conditions and restrictions apply. Final rate is based on credit worthiness and loan term. Maximum vehicle loan financing includes tax, title, license, Mechanical Repair Coverage, 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 determined by a managed risk program. All rates and terms are subject to change without notice.

***No annual fee. Twenty-five day grace period on all purchases. No Cash advance fee. Minimum payment is 2.5% of outstanding balance or $25 Maximum Credit Line is $20,000.

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