Rates as low as 2.34% APR*
Move your auto loan to Cal State L.A. FCU and you could lower your rate, lower your payment, and defer your first payment up to 2 months.
Simply transfer any vehicle loan you currently have with another financial institution to Cal State L.A. FCU. We'll finance up to 100%** of your current balance with rates as low as 2.34% APR* for up to 48 months. Plus, you can even defer your first payment for 2 months.
If your balance is 80% retail or less, you will receive a .20% discount rate reduction.
Don't miss out on these discounted Spring Auto Loan Rates. Refinance your auto loan today, simply apply online or visit the credit union office.
**Annual Percentage Rate.
**Certain restrictions apply. Value of vehicle determined by Kelly Blue Book. Rates and terms are subject to change without notice. Interest will accrue during the two month deferral period. Offer is subject to credit approval and current loan policies. Offer does not apply to existing Cal State LA FCU auto loans. Offer expires May 31, 2015.
Please note: Visa EZ card info is now unavailable. Automatic payments made through EZ card info will not occur after 10/27/13 You will be able to see balances and make payments using Online Banking starting soon. If you do not see your Visa Balance, select "Show all accounts" in Online Banking. History and transactions for Visa cards are not yet available.
Activating your card:
• Activating your card(s): If asked for your zip code, use the full zip code on the mailer for your card. Example: if the zip code is 90032-1234, enter all 9 digits.
• Any additional cardholders will receive cards with their own card numbers. This means each card must be activated separately. If cards are ever lost or stolen, a block can be placed on the lost/stolen card without blocking other owners.
Your new credit card program will include:
- Easier online access through Online Banking: Starting October 28, you will be able to view your card balance and make payments through Online Banking, no separate login and password needed!
- Same great rates and low fees!
As part of these changes, expect your new card to arrive between October 15 and 22. Please note:
- Your new card may be activated at any time after you receive it by calling the number on the activation sticker. If asked for your zip code, enter your zip plus four (as printed on the address label)
- Your old card will stop working October 27 approximately midnight.
- Keep your old card until your new card starts working October 28.
- Don't forget to give your new card number to any merchants you pay automatically.
For example: Gym memberships, utilities, saved payment methods used on sites such as Amazon.com & other merchants - After 10/27/13 mail payments to 2445 Mariondale Ave, Los Angeles CA 90032.
If you accidentally have sent your payment to the old address, we will still recieve it.
If you use another bank's Bill Payer service to send payments, don't forget to update the payment address. You will also be able to schedule payments in Online Banking after October 28. - Your debit card program will not change.
EZ Card Info will be unavailable after October 27. To schedule automatic payments, use one of the following options:
- Log into Online Banking and schedule an automatic transfer from your credit union account to your Visa (available after Oct 28).
Your upcoming payment due dates are:
- October 12
- November 12
- December 25 (may be paid on the 26th due to the Christmas holiday)
- Thereafter the 25th of each month, or next business day if the 25th falls on a non-business day.
If you have any questions about your new card program, due dates, or payment methods, please contact us for assistance.
About your statements:
- Starting in November, you will see your Visa Credit Card activity as part of your regular credit union statement.
- If you are using e-Statements for your Credit Union checking or savings accounts, your Visa statement will also be provided via e-Statements.
- If you would like to change your statement options, log into Online Banking and select Self Service, then e-Statements. You can select e-Statements or paper statements. If you have forgotten your security code (password) select the forgot security code link at login to retrieve it. Your user ID will be your account number, unless you have changed it.
Please contact us if you need help logging in to Online Banking or changing your statement options.
Your credit union is the place to turn when it comes to getting a mortgage. Whether it's a purchase, refinance, primary residence, second home, or income property (up to 4 units), we'll connect you with a wide variety of loan options with competitive rates and terms to fit your needs.
Click below to obtain current rates, an individualized quote, and to apply online.
Access information on your current mortgage loan or make a mortgage loan payment.
The Road To Homeownership
Buying a first home is exciting, but can feel overwhelming too. Through preparation and understanding the home buying process, you can achieve your dream of homeownership.
Online Course
First mortgage loans are processed by CU Partners under contract with the Credit Union. All products are subject to underwriting requirements and some products are not available in all areas. CU Partners is a lender for Cal State L.A. FCU and provides credit union members with additional loan program options that are not currently available with Cal State L.A. FCU. CU Partners, a division of Stearns Lending, Inc., a California corporation, is located at 4 Hutton Centre Drive, Suite 150, Santa Ana, CA 92707. This is not an offer for extension of credit or a commitment to lend. Stearns Lending, Inc. is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the federal government. Stearns Lending, Inc.'s Corporate Office is located at: 4 Hutton Centre, 10th Floor, Santa Ana, CA 92707. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act and the California Finance Lender Act. NMLS#: 1854 and 911353. Equal Housing Lender. Rates, terms and products subject to change, loan approval subject to income and credit qualification.
Mortgage Solutions Just for You
As your credit union family, we’re here to help and guide you through your unique financial situation, that fits your needs at a competitive rate.
Your credit union is the place to turn when it comes to getting a mortgage. Whether it’s a purchase or refinance, reverse, or debt consolidation, our experienced loan officers are here to assist you from start to finish.
We finance residential properties- Primary Residence, Second Homes, and Investment Properties 1-4 units.
Mortgage Options
First Trust Deeds
- Fixed 30, 20, 15, and 10 year mortgages.
- Adjustable-Rate: 5, 7 and 10 year fixed mortgages that adjust after the initial fixed period.
- 40 year 10/1 Adjustable-Rate Mortgage- This program helps more Members qualify to purchase a home.
- Gov’t Loans- VA purchase loans starting at "0" Down, FHA purchase loans starting at 3.5% down.
- Reverse Mortgages, Reverse Purchases
- Out of the box mortgages- Mortgages for the self-employed, mortgages after a financial event, (BK, Short Sale or Foreclosure)
Second Trust Deeds
- Fixed Rate 2nds and Home Equity Lines of Credit are also available.
Let's get started
Mortgage Loan Officer Sergio Miramontes has been assisting CA homeowners with mortgage loans since 1997. With a focus on serving the Credit Union Community and their Members, he’s been originating loans for first time homebuyers and existing homeowners. Both with perfect credit worthiness and not so perfect, in typical "people helping people", credit union fashion.
First Trust Deed and Fixed Second Trust Deeds
For additional information, current rates, and an immediate call back for a First Trust Deed or a Fixed 2nd call 833-996-1445 or select the button below.
Home Equity Lines of Credit
Contact us by email
Do you need to access information on your current mortgage loan or make a mortgage loan payment? Use the link below.
The Road To Homeownership
Buying a first home is exciting, but can feel overwhelming too. Through preparation and understanding the home buying process, you can achieve your dream of homeownership.
First mortgage loans originated by Right Choice Mortgage under contract with Cal State L.A. FCU. All programs are subject to underwriting requirements and some programs are not available in all areas. Right Choice Mortgage is a lender for Cal State L.A. FCU and provides credit union members with additional loan program options that are not currently available through the Credit Union. This is not an offer for extension of credit or a commitment to lend. Right Choice Mortgage is located at: 29829 Santa Margarita Pkwy. Ste. 100 Rancho Santa Margarita, CA 92688. Licensed by the Department of Real Estate #01943736, NMLS #: 1132583. Equal Housing Lender. Rates, terms and programs subject to change, loan approval subject to income and credit qualification.
We welcome Cal State LA students, staff and faculty as well as residents from the surrounding communities. Find out your eligibility and join us today!
Apply for membership