What are the current interest rates at University Credit Union Los Angeles, CA?

Current rates for University Credit Union Los Angeles, CA include: 12-Month CD: 1.95%, 24-Month CD: 1.70%, 60-Month CD: 1.70%, Savings: 0.15%, MMA: 0.00%

MonitorBankRates

☰

Home›
Credit Unions›
University Credit Union Los Angeles, CA

iAdvertiser Disclosure

University Credit Union Los Angeles, CA Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, University Credit Union Los Angeles, CA provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

University Credit Union Los Angeles, CA's 24-Month Lock and Roll rates are at 3.75%, 5-Month Elite Earnings rates are at 3.75%, 24-Month Bump-Up rates are at 3.50%, 12-Month IRA CD rates are at 1.95%, 6-Month IRA CD rates are at 1.80%. University Credit Union Los Angeles, CA's savings rates are at 0.15%. University Credit Union Los Angeles, CA's money market rates are at 0.00%. University Credit Union Los Angeles, CA's Personal Loan Rates are at 8.99%. MonitorBankRates evaluates the financial stability of University Credit Union Los Angeles, CA with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.30%. Rates last updated and verified on 08/28/2026.

University Credit Union Los Angeles, CA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at University Credit Union Los Angeles, CA? Share your experience about University Credit Union Los Angeles, CA by leaving a review below, or read customer reviews before you decide to use University Credit Union Los Angeles, CA.

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.30%

Excellent Higher than avg

University Credit Union Los Angeles, CA
Westwood HQ

1500 S Sepulveda Blvd
Los Angeles, CA 90025

https://www.ucu.org

University Credit Union Los Angeles, CA CD Rates

Product	Rate	APY	Term
24-Month Lock and Roll	3.69%	3.75%
Min Deposit $500 Details Available only on new money deposited to UCU. Special Promotional certificate will renew as a 24-month certificate at the available rate for the product at that time. No maximum deposit. Penalty may be imposed for early withdrawal. Fees may reduce earnings. For other details regarding this account, you can reference your disclosures which covers all other terms and conditions. Ask us for further information about the terms and fees that apply to these accounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
5-Month Elite Earnings	3.69%	3.75%
Min Deposit $500 Details Available only on new money deposited to UCU. New money is money not currently or previously held in a UCU account. Special Promotional certificate will renew as a 6-month certificate at the available rate for the product at that time. No maximum deposit. Penalty may be imposed for early withdrawal. Fees may reduce earnings. For other details regarding this account, you can reference your disclosures which covers all other terms and conditions. Ask us for further information about the terms and fees that apply to these accounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
24-Month Bump-Up	3.45%	3.50%
Min Deposit $500 Details The Annual Percentage Yield (APY) is 3.50%, and the Dividend Rate is 3.445%. The disclosed APY and Dividend Rate are accurate as of August 1, 2026. Rates offered on new certificates may change at any time. Once opened, the certificate's Dividend Rate and APY will remain fixed until maturity unless the member exercises the one-time Bump-Up feature. The APY assumes dividends remain on deposit until maturity. Dividends are compounded and credited monthly. Minimum balance to open certificate is $500. The certificate has a 24-month term. No additional deposits are permitted after the account is opened. This Bump-Up Certificate allows the member to request a one-time increase to the account's Dividend Rate and corresponding APY during the original 24-month term. The member must request the rate increase. The rate increase is not automatic. Upon receipt of an eligible member request, the Dividend Rate and corresponding APY will be increased to the Dividend Rate and APY then in effect for the credit union's 24?month published certificate. The adjusted rate and APY will apply only from the effective date of the rate increase forward. The adjusted rate and APY will not apply retroactively to dividends previously earned. The certificate's original maturity date will not change as a result of exercising the Bump-Up feature. One-time rate increase available beginning on the 11th calendar day after account opening and prior to maturity. The account is subject to the credit union's standard early withdrawal penalties. A penalty may be imposed for withdrawals before maturity. Early withdrawal penalties may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
12-Month IRA Certificate	1.93%	1.95%	12-Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
6-Month IRA Certificate	1.79%	1.80%	6-Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
24-Month IRA Certificate	1.69%	1.70%	24-Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
36-Month IRA Certificate	1.69%	1.70%	36-Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
48-Month IRA Certificate	1.69%	1.70%	48-Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
60-Month IRA Certificate	1.69%	1.70%	60-Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%

University Credit Union Los Angeles, CA Savings Rates

Product	Rate	APY
High Yield Savings	2.72%	2.75%
Min Deposit $5 Min Balance $2,500 Details High Yield Savings Account is only available for new money deposited to UCU. New money is money not currently or previously held in a UCU account. The APY for each balance tier is variable and is subject to change after the account is opened. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Regular Savings	0.15%	0.15%
Min Balance $25 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%

University Credit Union Los Angeles, CA Money Market Rates

Product	Rate	APY
Money Market Plus	3.20%	3.25%
Min Balance $250,000 Details Minimum opening deposit is $25. Fees may reduce earnings. Dividends are calculated daily, compounded monthly, and paid monthly. Once the account balance qualifies for a tier, the corresponding dividend rate and APY will apply to the entire account balance. All rates and terms are subject to change without notice. Refer to the Fee Schedule for additional information. For complete account details, including limitations, see the Money Market Advantage Account Overview and applicable account agreements. Money Market Advantage is a variable-rate account. Rates vary by balance tier, apply to the entire account balance, and are accurate as of the last dividend declaration date. Click here for Money Market Advantage detailed disclosures. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Money Market Plus	2.96%	3.00%
Min Balance $100,000 Details Minimum opening deposit is $25. Fees may reduce earnings. Dividends are calculated daily, compounded monthly, and paid monthly. Once the account balance qualifies for a tier, the corresponding dividend rate and APY will apply to the entire account balance. All rates and terms are subject to change without notice. Refer to the Fee Schedule for additional information. For complete account details, including limitations, see the Money Market Advantage Account Overview and applicable account agreements. Money Market Advantage is a variable-rate account. Rates vary by balance tier, apply to the entire account balance, and are accurate as of the last dividend declaration date. Click here for Money Market Advantage detailed disclosures. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Money Market Plus	2.67%	2.70%
Min Balance $50,000 Details Minimum opening deposit is $25. Fees may reduce earnings. Dividends are calculated daily, compounded monthly, and paid monthly. Once the account balance qualifies for a tier, the corresponding dividend rate and APY will apply to the entire account balance. All rates and terms are subject to change without notice. Refer to the Fee Schedule for additional information. For complete account details, including limitations, see the Money Market Advantage Account Overview and applicable account agreements. Money Market Advantage is a variable-rate account. Rates vary by balance tier, apply to the entire account balance, and are accurate as of the last dividend declaration date. Click here for Money Market Advantage detailed disclosures. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Business Money Market	2.47%	2.50%
Min Balance $100,000 Details Minimum balance to open is $10,000. All rates and terms are subject to change without notice. Rates are accurate as of the last dividend declaration date. Fees may reduce earnings on accounts. Dividends are calculated daily, compounded and paid monthly. Refer to the Business Membership Agreement and Fee Schedule for more information or call one of our specialists at 424.320.4700 or call toll-free at 1.800.UCU.4510 . Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Money Market Plus	2.47%	2.50%
Min Balance $25,000 Details Minimum opening deposit is $25. Fees may reduce earnings. Dividends are calculated daily, compounded monthly, and paid monthly. Once the account balance qualifies for a tier, the corresponding dividend rate and APY will apply to the entire account balance. All rates and terms are subject to change without notice. Refer to the Fee Schedule for additional information. For complete account details, including limitations, see the Money Market Advantage Account Overview and applicable account agreements. Money Market Advantage is a variable-rate account. Rates vary by balance tier, apply to the entire account balance, and are accurate as of the last dividend declaration date. Click here for Money Market Advantage detailed disclosures. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Money Market Advantage	1.98%	2.00%
Min Balance $25 Details Minimum opening deposit is $25. Fees may reduce earnings. Dividends are calculated daily, compounded monthly, and paid monthly. Once the account balance qualifies for a tier, the corresponding dividend rate and APY will apply to the entire account balance. All rates and terms are subject to change without notice. Refer to the Fee Schedule for additional information. For complete account details, including limitations, see the Money Market Advantage Account Overview and applicable account agreements. Money Market Advantage is a variable-rate account. Rates vary by balance tier, apply to the entire account balance, and are accurate as of the last dividend declaration date. Click here for Money Market Advantage detailed disclosures. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Money Market Advantage	1.49%	1.50%
Min Balance $2,000 Details Minimum opening deposit is $25. Fees may reduce earnings. Dividends are calculated daily, compounded monthly, and paid monthly. Once the account balance qualifies for a tier, the corresponding dividend rate and APY will apply to the entire account balance. All rates and terms are subject to change without notice. Refer to the Fee Schedule for additional information. For complete account details, including limitations, see the Money Market Advantage Account Overview and applicable account agreements. Money Market Advantage is a variable-rate account. Rates vary by balance tier, apply to the entire account balance, and are accurate as of the last dividend declaration date. Click here for Money Market Advantage detailed disclosures. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Money Market	1.34%	1.35%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Business Money Market	1.14%	1.15%
Min Balance $25,000 Details Minimum balance to open is $10,000. All rates and terms are subject to change without notice. Rates are accurate as of the last dividend declaration date. Fees may reduce earnings on accounts. Dividends are calculated daily, compounded and paid monthly. Refer to the Business Membership Agreement and Fee Schedule for more information or call one of our specialists at 424.320.4700 or call toll-free at 1.800.UCU.4510 . Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Money Market	1.14%	1.15%
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Money Market Advantage	1.00%	1.00%
Min Balance $5,000 Details Minimum opening deposit is $25. Fees may reduce earnings. Dividends are calculated daily, compounded monthly, and paid monthly. Once the account balance qualifies for a tier, the corresponding dividend rate and APY will apply to the entire account balance. All rates and terms are subject to change without notice. Refer to the Fee Schedule for additional information. For complete account details, including limitations, see the Money Market Advantage Account Overview and applicable account agreements. Money Market Advantage is a variable-rate account. Rates vary by balance tier, apply to the entire account balance, and are accurate as of the last dividend declaration date. Click here for Money Market Advantage detailed disclosures. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Money Market Advantage	0.25%	0.25%
Min Balance $10,000 Details Minimum opening deposit is $25. Fees may reduce earnings. Dividends are calculated daily, compounded monthly, and paid monthly. Once the account balance qualifies for a tier, the corresponding dividend rate and APY will apply to the entire account balance. All rates and terms are subject to change without notice. Refer to the Fee Schedule for additional information. For complete account details, including limitations, see the Money Market Advantage Account Overview and applicable account agreements. Money Market Advantage is a variable-rate account. Rates vary by balance tier, apply to the entire account balance, and are accurate as of the last dividend declaration date. Click here for Money Market Advantage detailed disclosures. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Money Market Advantage	0.20%	0.20%
Min Balance $50,000 Details Minimum opening deposit is $25. Fees may reduce earnings. Dividends are calculated daily, compounded monthly, and paid monthly. Once the account balance qualifies for a tier, the corresponding dividend rate and APY will apply to the entire account balance. All rates and terms are subject to change without notice. Refer to the Fee Schedule for additional information. For complete account details, including limitations, see the Money Market Advantage Account Overview and applicable account agreements. Money Market Advantage is a variable-rate account. Rates vary by balance tier, apply to the entire account balance, and are accurate as of the last dividend declaration date. Click here for Money Market Advantage detailed disclosures. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Business Money Market	0.15%	0.15%
Min Balance $10,000 Details Minimum balance to open is $10,000. All rates and terms are subject to change without notice. Rates are accurate as of the last dividend declaration date. Fees may reduce earnings on accounts. Dividends are calculated daily, compounded and paid monthly. Refer to the Business Membership Agreement and Fee Schedule for more information or call one of our specialists at 424.320.4700 or call toll-free at 1.800.UCU.4510 . Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Money Market Advantage	0.15%	0.15%
Min Balance $100,000 Details Minimum opening deposit is $25. Fees may reduce earnings. Dividends are calculated daily, compounded monthly, and paid monthly. Once the account balance qualifies for a tier, the corresponding dividend rate and APY will apply to the entire account balance. All rates and terms are subject to change without notice. Refer to the Fee Schedule for additional information. For complete account details, including limitations, see the Money Market Advantage Account Overview and applicable account agreements. Money Market Advantage is a variable-rate account. Rates vary by balance tier, apply to the entire account balance, and are accurate as of the last dividend declaration date. Click here for Money Market Advantage detailed disclosures. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Money Market Plus	0.05%	0.05%
Min Balance $25 Details Minimum opening deposit is $25. Fees may reduce earnings. Dividends are calculated daily, compounded monthly, and paid monthly. Once the account balance qualifies for a tier, the corresponding dividend rate and APY will apply to the entire account balance. All rates and terms are subject to change without notice. Refer to the Fee Schedule for additional information. For complete account details, including limitations, see the Money Market Advantage Account Overview and applicable account agreements. Money Market Advantage is a variable-rate account. Rates vary by balance tier, apply to the entire account balance, and are accurate as of the last dividend declaration date. Click here for Money Market Advantage detailed disclosures. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Business Money Market	0.00%	0.00%
Min Balance $0 Details Minimum balance to open is $10,000. All rates and terms are subject to change without notice. Rates are accurate as of the last dividend declaration date. Fees may reduce earnings on accounts. Dividends are calculated daily, compounded and paid monthly. Refer to the Business Membership Agreement and Fee Schedule for more information or call one of our specialists at 424.320.4700 or call toll-free at 1.800.UCU.4510 . Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%

University Credit Union Los Angeles, CA Checking Rates

Product	Rate	APY
Smart Checking Account	2.23%	2.25%
Min Deposit $50 Min Balance $25,000 Details Qualifications Required: Be enrolled in eStatements and have a direct deposit to the Smart Checking Account of at least $1,000 aggregated monthly; Qualifying Smart Checking Accounts will earn 2.25% APY in dividends on balances up to $25,000. Balances above $25,000 will be paid at the regular checking rate of 0.05% APY. Qualifying Smart Checking Accounts are defined as being enrolled in eStatements and having a direct deposit to the Smart Checking Account of at least $1,000 aggregated monthly. If the requirements are not met, then no dividend is earned. Secondary Smart Checking Accounts not eligible to earn APY. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account at the end of each day. Dividends are disbursed monthly into the active Smart Checking Account. Fees could reduce the earnings on the account. APY is accurate as of the last dividend declaration date. Rate subject to change after account opening and may vary based on qualifications met at month end. Not valid with any other offers. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
University Checking Account	1.00%	1.00%
Min Deposit $50 Min Balance $25,000 Details Qualifications Required: At least 25 qualifying transactions and eStatements; Qualifying University Checking Accounts will earn 1.00% APY in dividends on balances up to $25,000. Balances above $25,000 will be paid at the regular checking rate of 0.05% APY. Qualifying University Checking Accounts are defined as having at least 25 transactions per month (includes transactions made with both debit and credit cards) and enrollment in eStatements. If the requirements are not met, then no dividend is earned. Secondary University Checking Accounts not eligible to earn APY. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account at the end of each day. Dividends are disbursed monthly into the active University Checking Account. APY is accurate as of the last dividend declaration date. Fees could reduce the earnings on the account. Rate subject to change after account opening and may vary based on qualifications met at month end. Not valid with any other offers. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%

University Credit Union Los Angeles, CA Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	4.49%	-	4.49%	36
Details As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Used Auto	4.99%	-	4.99%	36
Details As Low As; Rate applies to vehicles up to ten model years old and newer. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
New Auto	5.49%	-	5.49%	72
Details As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Used Auto	5.74%	-	5.74%	72
Details As Low As; Rate applies to vehicles up to ten model years old and newer. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
New Auto	6.49%	-	6.49%	84
Details As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Used Auto	6.74%	-	6.74%	84
Details As Low As; Rate applies to vehicles up to ten model years old and newer. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
First Time Auto Buyer - New Auto	7.49%	-	7.49%	36
Details As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
First Time Auto Buyer - Used Auto	7.99%	-	7.99%	36
Details As Low As; Rates stated available on approved credit and may be different as determined by the individual creditworthiness of each applicant. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
First Time Auto Buyer - New Auto	8.49%	-	8.49%	72
Details As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
First Time Auto Buyer - Used Auto	8.74%	-	8.74%	72
Details As Low As; Rates stated available on approved credit and may be different as determined by the individual creditworthiness of each applicant. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%

University Credit Union Los Angeles, CA Credit Card Rates

Product	Rate	APR
University Credit Card	-	11.24%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Rewards Credit Card	-	14.24%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Cash Back Credit Card	-	16.24%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%

University Credit Union Los Angeles, CA Personal Loan Rates

Product	Rate	APR
Personal Loans	-	8.99%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Personal Loans	-	10.24%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Personal Loans	-	10.99%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Personal Line of Credit	-	14.69%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for University Credit Union Los Angeles, CA is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather University Credit Union Los Angeles, CA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with University Credit Union Los Angeles, CA's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name University Credit Union Los Angeles, CA

Website https://www.ucu.org

Address 1500 S Sepulveda Blvd, Los Angeles, CA 90025

Phone 800-828-4510

Fax

President Norma Iadevaia

CEO Estela Nagahashi

Full-Time Employees 120

Part-Time Employees 4

Branch Locations 4

ATM Locations 8

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A- (93/100)

Texas Ratio

14.30%

Return on Assets (ROA)

-0.0144%

Return on Equity (ROE)

-0.1623%

Non-Performing Loans Ratio (NPL)

1.58%

Total Assets

1,145,417,313

Total Amount of Shares and Deposits

970,086,345

Total Shares and Deposits < 1 Year

923,344,311

Total Shares and Deposits 1 3 Years

46,308,733

Total Shares and Deposits > 3 Years

433,303

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

156,628,079

Total Uninsured Shares and Deposits > $250K (F+J)

156,628,079

Total Insured Shares and Deposits > $250K (item 17 less item K)

813,458,266

Total Interest Expense (Sum of items 6 8)

13,375,399

Share Certificates

2,098

Number of Accounts for Share Drafts

36,902

IRA KEOGH Accounts

954

Number of Accounts for Regular Shares

62,859

Non Member Deposits

Money Market Shares

9,923

Net Income (unless the amount is already included in Undivided Earnings)

-165,357

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

37,191,310

Total Liabilities

1,044,990,801

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for University Credit Union Los Angeles, CA yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for University Credit Union Los Angeles, CA

Frequently Asked Questions About University Credit Union Los Angeles, CA

How many branches does University Credit Union Los Angeles, CA operate?

University Credit Union Los Angeles, CA currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join University Credit Union Los Angeles, CA?

Yes, to access services at University Credit Union Los Angeles, CA, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, University Credit Union Los Angeles, CA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, University Credit Union Los Angeles, CA provides members with tools to manage their accounts and build a solid financial history.

Does University Credit Union Los Angeles, CA offer online and mobile banking?

Most modern institutions like University Credit Union Los Angeles, CA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ucu.org.