ALL U.S. Credit Union - Positively Different


Apply for a
Loan Online

Time for a new car? Life event, college expenses, getting married, debt consolidation? Get our competitive rates. Apply online quickly and easily for the type of loan that meets your need. Loan decisions are made locally and we will help you consider the best options to accomplish your financial goals. Come by the office and talk to our loan specialists.

We Now Accept Online Payments

Make a payment on your allU.S. loan with your Visa or MasterCard Debit or Credit Card.

Pay Now


Tis the season for holiday loans!

Holiday coins

Cozy up to a Holiday Loan starting at 6.0% APR*

  • Loan amounts up to $1500
  • Flexible terms up to 12 months
  • Easy and affordable monthly payments


Auto Loans (new and used vehicles)

Whether you are buying a new or used car from a private party or a dealership, we have loan choices to fit your budget. Up to 100% financing includes taxes, license and/or title fees. AllU.S. Credit Union goes beyond just our low rates, also offering Guaranteed Auto Protection (GAP - protects the value of your car), Mechanical Breakdown Protection (MBP - protects your vehicle outside of your warranty) at rates far below car dealerships. (Insurance Disclosures)

AllU.S. Credit Union helps you:

  • Understand your credit report before you buy
  • Research cars and enhance your car buying experience

AllU.S. Credit Union offers you:

  • Flexible terms and payments up to 84 months
  • Easy online application, or in-person, by mail , or fax
  • Refinance an existing loan or a vehicle you own outright
  • Easy to make ACH loan payments your choice: Payroll deduction or online payment transfer
  • Affordable debt protection coverage available

Rates as low as 1.99% APR*

Member Tools

AllU.S Credit Union Mechanical Breakdown Extended Warranty Protection protects you from expensive vehicle repairs with:

  • GAP Protection available for only $400.00. Your protection from theft with the value of your car replacement if your car is totaled.
  • AllU.S. Credit Union protection cost is less than dealer cost

Title Loans

TruStage Insurance

Title loans are for members who own a vehicle outright but feel they do not qualify for a traditional vehicle loan. With a Title Loan you can borrow up to 50% of your car's value using its title as collateral.

  • Members must be in good standing with the credit union
  • Must have a minimum of six month's employment history.
  • Minimum loan amount is $1,000 and maximum $10,000.
  • Terms and payments are based on value of vehicle and loan amount.
  • Cleared title must be in the borrower(s) name(s) only.
  • allU.S. will appraise the vehicle to obtain value and will be listed as lien holder until the loan is paid in full.

Loyalty Loan Program

Loyalty Loan ProgramAt allU.S. Credit Union we're dedicated to providing the tools, resources and expertise that will empower your financial success. Don't think you're the only one who may have less than perfect credit. You're not alone. That shouldn't mean you couldn't qualify to buy a vehicle, consolidate debt or get a personal loan. That's why we've developed our Loyalty Loan Program for those individuals who have blemished credit scores and are having a difficult time qualifying for a loan.

Learn more about the Loyalty Loan Program

Additional Loan Products

Computer Loan

Computer LoansTo celebrate allU.S. Credit Union's new technologies... new website, home banking and bill payer service, we offer a low-interest loan created just so you can get your new technology; that gaming PC or a new personal computer.

  • Borrow up to $ 5,000 for 36 months
  • No collateral required

Skip a Pay

Loan Rates

Credit Builder
Terms Annual Percentage Rate
(APR) as low as More Info
Up to 18 months 15.75%
Boat or Jet Ski Loans
Up to 120 months 3.99 -14.99%
Motorcycle Loans
Up to 36 months 4.50 - 13.50%
Up to 48 months 4.50 - 14.50%
Up to 60 months 4.50 - 15.50%
Up to 72 months 5.00 - 16.25%
Up to 84 months 7.00 - 17.00%
Recreational Vehicle Loans
Up to 144 months 3.99 - 14.99%


Offered if all of your allU.S. Credit Union loans or lines of credit are current and your account is in good standing. If you choose Skip a Pay, interest will continue to accrue and the skipped payment will cause your loan payoff date to extend beyond its expected pay-off date. Each use will cost a $30 processing fee for loan payments $300 or less per month and a $40 processing fee for loan payments greater than $300 per month. Mortgage and equity loans are not eligible for the skip a payment program. allU.S. Credit Union may choose to discontinue the Skip a Pay program at any time. Skip a Pay may be used only twice in a twelve month period and not in consecutive months. Click here and download your Skip a Pay form.

Quick Pay

Unexpected financial hit? Need funds to take care of the immediate needs? Your answer just may be a "Quick Pay Loan" from allU.S. Credit Union. For a nominal fee (much less than typical payday lenders charge) allU.S.Credit Union will grant a single pay loan up to $1,000 for members who qualify. Loan amount based on 50% of your direct deposit or $1,000, whichever is less.

How to qualify? Have your complete payroll direct deposited into an allU.S. Credit Union checking or savings account. $75 processing fee for a one month loan and $45 for a one or two week loan.

At allU.S. Credit Union we take your financial well-being very seriously. So, if you need those additional funds... come see us. We'd love to help you discover your options.

Credit Builder

Don't have any credit? Ask about our loan with a maximum of $1,000 on a short term of 18 months. All you need is current employment at the same place of employment for minimum of 1 year.

Other Secured Loan Products

Your Bucket List includes a troll on Lake Nacimento on your own boat, cruise 101 on a Harley, or stay overnight in Yosemite in your RV? You have come to the right place, allU.S. Credit Union offers competitive rates and terms allowing you those vacations.TruStage Insurance

  • Loyalty Loan Program for members with less than perfect credit scores
  • Solar Energy Project Loans
  • RVs, Travel Trailer and 5th Wheel Loans
  • Motorcycles
  • Boat Loans
  • Jet skis, ATV's and Dirt Bikes
  • Up to 100% financing on new and pre-owned
  • Flexible terms
  • No annual or applications fees
  • Great low rates

Overdraft Protection

This convenient line-of-credit is available on allU.S. checking accounts for maximum utility and savings. It also lets you borrow by using your personal checks up to your available limit. Once approved, loan proceeds are advanced to your checking account as needed to cover overdrafts in $100 increments.

  • Limit your expense or embarrassment from bounced checks
  • Amount available replenishes as you repay the loan

Account Privilege

Avoid "bounced checks" with our account privilege service.

Account Privilege covers overdrafts to 50% of your automatic deposit. Avoid bounced-check or late payment fees on returned checks or drafts. Coverage for ATM or point-of-sale purchases is available if member opts-in. Account Privilege is available automatically to all members in good standing. Member has 30 days to bring account balance positive.

EXPLANATION OF Overdraft Coverage

Personal Loans

Planning a vacation or your dream wedding, buying that new TV for the man cave, or wanting to consolidate high-rate debt into a low fixed payment, you can turn to allU.S. for a loan that's right for any occasion.

  • Borrow up to $25,000; minimum loan is $250.
  • An all purpose low-interest loan
  • Does not require collateral
  • Competitive fixed rates
  • Payroll deduction or online payment transfer for convenient repayment

Share Savings and Share Certificate-Secured Loans

The value of your Share Savings or Share Certificate account to borrow at our lowest fixed rates. Using your funds on deposit at the Credit Union is an economical way of borrowing while keeping your savings untouched.

  • Borrow against 90% of your available account balance
  • Continue earning dividends while you repay the loan
  • Competitive rates that are 3% over most recent dividend paid or rate being paid on certificate
TruStage Insurance

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Rates as low as 7.00% APR*

Member Tools

Share or Certificate Secured
Up to 120 months 3% above the rate or Share Secured Certificate loan shared secured (hold 110%)

First Mortgage Loans

allU.S. Mortgage Service

Look no further for the perfect home loan!

Looking for a mortgage with low rates and a hassle-free application process. Our friendly and knowledgeable mortgage consultants will help you find the home loan that's right for you.

  • Competitive rates
  • Purchase or refinance
  • Fixed and adjustable rate programs
  • 24/7 direct mortgage online application process
  • Pre-approval in minutes
  • Specialized mortgage products

For current rates, loan program details, or to apply online contact allU.S. Mortgage Service or by telephone at 877-223-9901.

Fixed Equity Loans

Real Estate LendingWith our fixed rate term loan and with rates this low, it might make more sense to renovate your home than to move. Just think, the kids are already settled into their school, you have your commute and alternative roads down pat, and you know how to navigate the aisles in your local grocery store, so why would you want to move? Remodeling may increase the value of your home and you could save monthly by making it more energy efficient with new doors, windows, and climate control systems.

  • Borrow up to 80% CLTV of the appraised value of your owner occupied home, less the first mortgage balance. Maximum loan amount is $150,000 – minimum amount is $5,000.
  • Fixed rate for the life of the loan
  • 15-year (180-month) repayment period; 20-year (240-month) on originating balances of $75,000 or more
  • Can be used for any purpose
  • NO prepayment penalty
  • Competitive rates and closing costs
  • Tax benefits. In most cases, interest on a home equity loan or line of credit is tax deductible. For details, check with your tax advisor.

Home Equity Line of Credit

With this line of credit tied to your home, you can draw up to the limit whenever you need it. As you pay down the line, it becomes available to use again--you always have funds at your fingertips. It's that simple.

An allU.S. Home Equity Loan or Home Equity Line of Credit allows you to borrow against your home's equity. Plus, interest on a Home Equity Line or Loan is generally tax-deductible up to (consult your tax advisor). Use the cash for home improvements, tuition, or other major purchases; or use the money to pay off higher-interest debts and save hundreds of dollars per year. View our Home Equity Disclosure.

  • Borrow up to 80% CLTV of the appraised value of your owner occupied home, less the first mortgage balance. Maximum loan amount is $150,000 – minimum amount is $5,000.
  • An open credit line that you can use to draw on for any purpose
  • 15-year repayment at a variable rate
  • Lower payments and rates can be lower than fixed
  • Can be used for any purpose
  • NO prepayment penalty
  • Competitive rates and closing costs
  • Tax benefits. In most cases, interest on a home equity loan or line of credit is tax deductible. For details, check with your tax advisor.

HELOC Rates Disclosure

Minimum Loan Amount $5,000
Loan to Value Ratio 80%
Variable Rate Rates as low as 5.00% (Prime + 1.70%)
Loan Term 10 Year Draw, 15 Year Repayment
Loan Fee $500.00
Annual Fee $50.00
Loan Balance Repayment Term
Up to $5,000.00
$5,000.01 to $10,000.00 60 Months
$10,000.01 to $20,000.00 84 Months
$20,000.01 to $30,000.00 120 Months
$30,000.01 to $50,000.00 144 Months
$50,000.00 and Above 180 Months

Fixed Rate Home Equity Loan
(2nd Trust Deed) Rate and Terms

Minimum Loan Amount $10,000.00
Loan to Value Ratio 80%
Loan Fee $250.00 for amounts to $49,999.99
$500.00 for amounts from $50,000 to $99,999.99
$1,000.00 for loans over $100,000.00
Term Annual Percentage Rate More Info
120 Months (10 Years) 5.95% - 11.50% APR
180 Months (15 Years) 6.75% - 12.50% APR

Entity's NMLS#802240 | Robin Ceralde NMLS #1482958 | Rocio C. Alcantar NMLS #1646476


The allU.S. Credit UnionVISA card to get very competitive rate, no annual fee, no cash advance fees, 25 day grace period for purchases and no balance transfer fees. Even more advantages listed below.

Features & Benefits:

  • No annual fee
  • No cash advance fee
  • 25-day grace period on purchases
  • Access to your money at thousands of ATMs
  • Visa Global Customer Assistance Services (GCAS) - 24/7 emergency services to Visa cardholders around the world. The service reports lost or stolen Visa cards, arranges for emergency card replacements and cash disbursements and provides customer information services.
  • Zero Liability lost/stolen card reporting
  • Fraud protection - 24/7 fraud monitoring and verification of any potentially fraudulent transactions.
  • Internet Authentication Service - Verified by Visa™ proves you are who you say you are when buying online at participating merchants.
  • Overdraft protection option  - Automatically advances from Visa card to your allU.S. checking account to protect you in case of overdraft.
  • Min. Payment is 3% of the balance due or $20, whichever is greater.

Visa's Zero Liability policy does not apply to ATM transactions or other PIN/POS transactions not processed by Visa. Your liability with respect to unauthorized transactions may be greater than zero ($0.00) if we can determine that you were grossly negligent or fraudulent in the handling of your account or Card.

You will have no liability for unauthorized use of your Visa Card that results from its loss or theft if you report the loss or theft to us at 800.692.2228 within two (2) business days. If your statement shows unauthorized use, your liability will be no more than $50.00 if you tell us within 60 days of statement mailing date.

Credit Card

Rates as low as 8.99% APR*

Credit Card Rates
Terms Annual Percentage Rate
(APR) as low as More Info
Visa® Card 8.99 - 16.50%
Visa share secured
(hold 125%)


Secure File Upload

If you need to share files or information with allUS staff for a loan application or other purpose, please use our secure upload page. You can share up to 10 files and a message securely with us.

Secure File Upload


Electronic Record and Signature Disclosure




To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

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All loans from allU.S. Credit Union are based on approved credit. All loan rates with the exception of Visa Secured and Share/Certificate Secured loans are approved based on individual credit worthiness. We use a combination of the individual's FICO score as well as other factors to determine the rate that will be offered.

*APR (Annual Percentage Rate) assumes .25% for automatic payments. Rates vary with amount financed, and term, and credit history. A rate reduction of 0.25% is offered to those members who have an active checking account with direct deposit, automatic loan payment or automatic transfer. Discontinuance of the qualifying relationship will cause the APR to increase by the applicable rate reduction. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid in full. Some restrictions apply. Rates, terms, and conditions subjects to change at without notice.

**The maturity date for loans secured by share certificates will be no later than the maturity date of the share certificate used to secure the loan. Share loans require pledging 110% of the loan amount.

This Preferred Rate discount is not available with other discounts or promotions, or with Visa, Share or Certificate Secured loans or Real Estate loans.

View all Legal Disclosures.

Insurance products sold through or in the credit union are not insured by the National Credit Union Administration (NCUA) and are not issued, guaranteed, or underwritten by the credit union or the NCUA or any other federal government agency; and

That there is no requirement or obligation to purchase insurance from the credit union or any subsidiary, affiliate, or particular unaffiliated third party as a condition to obtaining a loan, and a decision as to insurance agents will not affect the credit terms in any way. The credit union may not condition an extension of credit on an agreement not to obtain, or a prohibition on the applicant from obtaining an insurance product or annuity from an unaffiliated entity.

Application and Solicitation Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 5.00% to 18.00% when you open your account. Based
on your creditworthiness.
APR for Balance Transfers 5.00% to 18.00% when you open your account. Based
on your creditworthiness.
APR tor Cash Advances 5.00% to 18.00% when you open your account. Based
on your creditworthiness.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle.We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit can, visit the website of the Consumer Financial
Protection Bureau at
Transaction Fees
- Foreign Transaction Fee

1.00% of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

Up to $10.00
Up to $10.00
Up to $25.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Effective Date: The information about the costs of the card described in this application is accurate as of March 1, 2015.
This information may have changed alter that date. To find out what may have changed, contact the Credit Union.