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: 2.75%, MMA: 3.45%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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University Credit Union Los Angeles, CA

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University Credit Union Los Angeles, CA Rates & Review October 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: October 9, 2026

University Credit Union Los Angeles, CA's top rates as of October 9, 2026 are 4.00% APY on its 11-Month Elevation CD, 2.75% APY on savings, 3.45% APY on money market accounts, 2.25% APY on checking, personal loans from 8.99% APR, and credit cards from 11.49% APR, according to rates verified by MonitorBankRates. Other University Credit Union Los Angeles, CA CD rates include 5-Month Elite Earnings at 4.00%, 24-Month Lock and Roll at 3.75%, and 5-Month Diamond Anniversary at 3.75%. 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 13.27%. Rates last updated and verified on 10/09/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.27%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

University Credit Union Los Angeles, CA
Westwood HQ

1500 S Sepulveda Blvd
Los Angeles, CA 90025

https://www.ucu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

University Credit Union Los Angeles, CA CD Rates

Product	Rate	APY	Term
11-Month Elevation	3.928%	4.00%	11-Month
Min Deposit $500 Details Special promotional rate of 4.00% APY based on dividend rate of 3.928% available only on new money deposited to UCU. New money is money not currently or previously held in a UCU account. Promotional rate effective as of October 1, 2026. Minimum opening deposit is $500. Minimum balance required to earn the stated APY is $500. There is no maximum deposit amount. Funds must be new to UCU to qualify for the promotional rate. Special Promotional certificate will renew as a 12-month certificate at the available rate for the product at that time. The promotional offer is scheduled to end on October 27, 2026, and may be modified, withdrawn, or ended earlier without notice. Early withdrawal penalties may apply to Share Certificates. Fees may reduce earnings on accounts. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
5-Month Elite Earnings	3.928%	4.00%	5-Month
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. Promotional rate effective as of October 1, 2026. Minimum opening deposit is $500. Minimum balance required to earn the stated APY is $500. There is no maximum deposit amount. Funds must be new to UCU to qualify for the promotional rate. Special Promotional certificate will renew as a 12-month certificate at the available rate for the product at that time. The promotional offer is scheduled to end on October 27, 2026, and may be modified, withdrawn, or ended earlier without notice. Early withdrawal penalties may apply to Share Certificates. Fees may reduce earnings on accounts. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
24-Month Lock and Roll	3.687%	3.75%	24-Month
Min Deposit $500 Details 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 10/09/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
5-Month Diamond Anniversary	3.687%	3.75%	5-Month
Min Deposit $500 Details Special Promotional certificate will renew as a 6-month certificate at the available rate for the product at that time. Minimum opening deposit is $500. Promotional rates are subject to change or end without notice. 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. Available to new and existing University Credit Union members whose accounts are in good standing under UCU policies. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
24-Month Bump-Up	3.445%	3.50%	24-Month
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 24month 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. Membership eligibility required. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
12 Month Certificate	1.933%	1.95%	12-Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
IRA Certificate - 12-Month	1.933%	1.95%	12 months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
6 Month Certificate	1.785%	1.80%	6-Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
IRA Certificate - 6-Month	1.785%	1.80%	6 months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
24 Month Certificate	1.687%	1.70%	24-Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
36 Month Certificate	1.687%	1.70%	36-Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
48 Month Certificate	1.687%	1.70%	48-Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
60 Month Certificate	1.687%	1.70%	60-Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
IRA Certificate - 24-Month	1.687%	1.70%	24 months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
IRA Certificate - 36-Month	1.687%	1.70%	36 months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
IRA Certificate - 48-Month	1.687%	1.70%	48 months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
IRA Certificate - 60-Month	1.687%	1.70%	60 months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%

University Credit Union Los Angeles, CA Business CD Rates

Product	Rate	APY	Term
5-Month Business Growth+ Certificate	3.445%	3.50%	5-Month
Min Deposit $100,000 Details Available only on new money deposited to UCU. Minimum balance to open is $10,000. Early withdrawal penalties may apply to Share Certificates. Amount of Penalty. The amount of the penalty depends on the term of the account. For certificates with terms of six months or less, the penalty is all dividends earned as of the date of the withdrawal. For certificates with terms greater than six months up to 18 months, the penalty is 90 days' dividends. For certificates with terms greater than 18 months up to 30 months, the penalty is 180 days' dividends. For certificates with terms greater than 30 months and up to 60 months, the penalty is 365 days' dividends. How the Penalty Works. The penalty is calculated on the amount of early withdrawal. It applies irrespective of whether the dividends have already been earned or not. If accrued dividends are insufficient to pay the penalty, it will be deducted from principal. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
5-Month Business Growth Certificate	2.96%	3.00%	5-Month
Min Deposit $10,000 Details Minimum opening deposit is $1,000. 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 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%

University Credit Union Los Angeles, CA Savings Rates

Product	Rate	APY
High Yield Savings	2.716%	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. 0% APY for a balance less than $2,500.00 and 2.75% APY for balances $2,500.00 and more. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Regular Savings	0.15%	0.15%
Min Balance $25 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%

University Credit Union Los Angeles, CA Money Market Rates

Product	Rate	APY
Money Market Plus	3.397%	3.45%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25% Oct 9, 20263.45%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Money Market Plus	3.154%	3.20%
Min Balance $100,000 Details Balance: $100,000-$249,999 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 3.00% → 3.20% ▲ 0.20 pts · high 3.20% / low 3.00% Oct 9, 20263.20%▲ from 3.00% Sep 22, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Money Market Plus	2.862%	2.90%
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 2.70% → 2.90% ▲ 0.20 pts · high 2.90% / low 2.70% Oct 9, 20262.90%▲ from 2.70% Sep 22, 20262.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Money Market Plus	2.667%	2.70%
Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 2.50% → 2.70% ▲ 0.20 pts · high 2.70% / low 2.50% Oct 9, 20262.70%▲ from 2.50% Sep 22, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Money Market Advantage	2.227%	2.25%
Min Balance $25 Details Balance: $25-$2,000 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 9, 20262.25%▲ from 2.00% Sep 22, 20262.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Money Market Advantage	1.736%	1.75%
Min Balance $2,000 Details Balance: $2,000.01-$5,000 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 1.50% → 1.75% ▲ 0.25 pts · high 1.75% / low 1.50% Oct 9, 20261.75%▲ from 1.50% Sep 22, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Money Market	1.342%	1.35%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Money Market Advantage	1.243%	1.25%
Min Balance $5,000 Details Balance: $5,000.01-$10,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.25% ▲ 0.25 pts · high 1.25% / low 1.00% Oct 9, 20261.25%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Money Market	1.144%	1.15%
Min Balance $2,500 Details Balance: $2,500-$9,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Money Market Advantage	0.499%	0.50%
Min Balance $10,000 Details Balance: $10,000.01-$50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 0.25% → 0.50% ▲ 0.25 pts · high 0.50% / low 0.25% Oct 9, 20260.50%▲ from 0.25% Sep 22, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Money Market Advantage	0.449%	0.45%
Min Balance $50,000 Details Balance: $50,000.01-$100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.20% → 0.45% ▲ 0.25 pts · high 0.45% / low 0.20% Oct 9, 20260.45%▲ from 0.20% Sep 14, 20260.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Money Market Advantage	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000.01+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Money Market Plus	0.05%	0.05%
Min Balance $25 Details Balance: $25-$24,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%

University Credit Union Los Angeles, CA Business Money Market Rates

Product	Rate	APY
Business Money Market	2.472%	2.50%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Business Money Market	1.144%	1.15%
Min Balance $25,000 Details Balance: $25,000-$99,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Business Money Market	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000-$24,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%

University Credit Union Los Angeles, CA Checking Rates

Product	Rate	APY
Smart Checking Account	2.227%	2.25%
Min Deposit $50 Min Balance $25,000 Details Balance: No minimum, balances up to the first $25,000; Qualifications Required: Recurring direct deposit of at least $1,000 aggregated monthly; eStatements enrollment; Must set up a recurring direct deposit of at least $1,000 aggregated monthly and eStatements to earn dividends Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
University Checking Account	0.995%	1.00%
Min Deposit $50 Min Balance $25,000 Details Balance: Balances up to the first $25,000; Published APY range: 1.00-5.00%; Published rate range: 0.995-4.880%. Qualifications Required: 25 qualifying transactions; eStatements enrollment; Must have a minimum of 25 qualifying transactions and eStatements to earn dividends Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%

University Credit Union Los Angeles, CA Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.49%	36 months
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. Rate applies to vehicles up to ten model years old and newer. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Used Auto	-	-	4.99%	36 months
Details As Low As; Vehicle 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 10/09/2026 Rate History No change since Sep 22, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
New Auto	-	-	5.49%	72 months
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. Rate applies to vehicles up to ten model years old and newer. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Used Auto	-	-	5.74%	72 months
Details As Low As; Vehicle 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 10/09/2026 Rate History No change since Sep 22, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
New Auto	-	-	6.49%	84 months
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. Rate applies to vehicles up to ten model years old and newer. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Used Auto	-	-	6.74%	84 months
Details As Low As; Vehicle 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 10/09/2026 Rate History No change since Sep 22, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
First Time Auto Buyer - New Auto	-	-	7.49%	36 months
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 10/09/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
First Time Auto Buyer - Used Auto	-	-	7.99%	36 months
Details As Low As; Vehicle 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 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 10/09/2026 Rate History No change since Sep 22, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
First Time Auto Buyer - New Auto	-	-	8.49%	72 months
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 10/09/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
First Time Auto Buyer - Used Auto	-	-	8.74%	72 months
Details As Low As; Vehicle 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 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 10/09/2026 Rate History No change since Sep 22, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%

University Credit Union Los Angeles, CA RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	10.74%	36 months
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 10/09/2026 Rate History No change since Sep 18, 2026 · 10.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
New & Used RVs, ATVs, & Travel Trailers Loan	-	10.74%	Up to 36 months
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. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Motorcycle Loan	-	12.24%	60 months
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 10/09/2026 Rate History No change since Sep 18, 2026 · 12.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
New & Used RVs, ATVs, & Travel Trailers Loan	-	12.24%	60 months
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. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 12.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Motorcycle Loan	-	12.49%	72 months
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 10/09/2026 Rate History No change since Sep 18, 2026 · 12.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
New & Used RVs, ATVs, & Travel Trailers Loan	-	12.49%	72 months
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. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 12.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
New & Used RVs, ATVs, & Travel Trailers Loan	-	12.74%	84 months
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. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 12.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
New & Used RVs, ATVs, & Travel Trailers Loan	-	12.99%	96 months
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. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 12.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
New & Used RVs, ATVs, & Travel Trailers Loan	-	13.24%	120 months
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. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 13.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
New & Used RVs, ATVs, & Travel Trailers Loan	-	13.49%	180 months
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. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 13.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%

University Credit Union Los Angeles, CA Credit Card Rates

Product	Rate	APR
University Credit Card	-	11.49%
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.24% → 11.49% ▲ 0.25 pts · high 11.49% / low 11.24% Sep 18, 202611.49%▲ from 11.24% Sep 14, 202611.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Rewards Credit Card	-	14.49%
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 14.24% → 14.49% ▲ 0.25 pts · high 14.49% / low 14.24% Sep 18, 202614.49%▲ from 14.24% Sep 14, 202614.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Cash Back Credit Card	-	16.49%
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 16.24% → 16.49% ▲ 0.25 pts · high 16.49% / low 16.24% Sep 18, 202616.49%▲ from 16.24% Sep 14, 202616.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%

University Credit Union Los Angeles, CA Personal Loan Rates

Product	APR	Term
Personal Loans	8.99%	24 months
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, as applicable) and may be higher than the lowest rates advertised. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Personal Loans	10.24%	48 months
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, as applicable) and may be higher than the lowest rates advertised. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Personal Loans	10.99%	60 months
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, as applicable) and may be higher than the lowest rates advertised. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%
Personal Line of Credit	14.94%
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 14.69% → 14.94% ▲ 0.25 pts · high 14.94% / low 14.69% Sep 18, 202614.94%▲ from 14.69% Sep 14, 202614.69%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%

University Credit Union Los Angeles, CA Other Rates

Product	Rate	Points	APY/APR	Term	View More
Business Share	0.15%	-	0.15%
Min Balance $25 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.27%

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.

Financial Health History

University Credit Union Los Angeles, CA’s Texas Ratio rose from 7.05% in Q3 2023 to 13.27% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.2B	13.27%	5.0	A
March 31, 2026	$1.2B	11.88%	5.0	A
December 31, 2025	$1.2B	14.85%	5.0	A-
September 30, 2025	$1.1B	14.30%	5.0	A-
June 30, 2025	$1.2B	13.74%	5.0	A
March 31, 2025	$1.1B	11.00%	5.0	A
December 31, 2024	$1.1B	11.92%	5.0	A
September 30, 2024	$1.1B	10.47%	5.0	A
June 30, 2024	$1.2B	9.89%	5.0	A
March 31, 2024	$1.1B	8.06%	5.0	A
December 31, 2023	$1.2B	10.20%	5.0	A
September 30, 2023	$1.2B	7.05%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 Keith Young

CEO Richard Wada

Full-Time Employees 120

Part-Time Employees 2

Branch Locations 3

ATM Locations 7

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

13.27%

Return on Assets (ROA)

0.0127%

Return on Equity (ROE)

0.1458%

Non-Performing Loans Ratio (NPL)

1.45%

Total Assets

1,170,094,815

Total Amount of Shares and Deposits

990,862,210

Total Shares and Deposits < 1 Year

905,792,637

Total Shares and Deposits 1 3 Years

84,368,166

Total Shares and Deposits > 3 Years

701,405

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

148,146,225

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

148,146,225

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

842,715,985

Total Interest Expense (Sum of items 6 8)

8,714,354

Share Certificates

2,734

Number of Accounts for Share Drafts

37,115

IRA KEOGH Accounts

925

Number of Accounts for Regular Shares

64,172

Non Member Deposits

Money Market Shares

10,481

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

149,050

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)

51,378,130

Total Liabilities

1,066,403,324

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

University Credit Union Los Angeles, CA earned the Verified Healthy badge

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Customer Reviews

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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.

Current University Credit Union Los Angeles, CA Rates

12-Month CD1.95%
24-Month CD1.70%
60-Month CD1.70%
Savings2.75%
MMA3.45%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

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

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

University Credit Union Los Angeles, CA Texas Ratio

University Credit Union Los Angeles, CA Health Trend

University Credit Union Los Angeles, CA CD Rates

University Credit Union Los Angeles, CA Business CD Rates

University Credit Union Los Angeles, CA Savings Rates

University Credit Union Los Angeles, CA Money Market Rates

University Credit Union Los Angeles, CA Business Money Market Rates

University Credit Union Los Angeles, CA Checking Rates

University Credit Union Los Angeles, CA Auto Loan Rates

University Credit Union Los Angeles, CA RV, Boat and Powersport Loan Rates

University Credit Union Los Angeles, CA Credit Card Rates

University Credit Union Los Angeles, CA Personal Loan Rates

University Credit Union Los Angeles, CA Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

University Credit Union Los Angeles, CA earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About University Credit Union Los Angeles, CA

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

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Current University Credit Union Los Angeles, CA Rates

Compare to Other Credit Unions