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Today's Featured Rates

Fixed Rate - Conforming
30 Year Fixed Rate
 Rate  APR  Points
 5.000%  5.163%  1.250%
15 Year Fixed Rate
 Rate  APR  Points
 4.375%  4.652%  1.250%
5 Year Adjustable Rate
 Rate  APR  Points
 4.750%  3.838%  1.000%
Fixed Rate ’ High Balance
30 Yr Fixed High Balance
 Rate  APR  Points
 5.250%  5.397%  1.000%
15 Yr Fixed High Balance
 Rate  APR  Points
 4.750%  5.037%  1.250%
Home Equity
15 Year Fixed Second Trust Deed
 Rate  APR  Points
 7.490%  7.779%  0.000%
Home Equity Line of Credit
 Rate  APR  Points
 4.000%  4.000%  0.000%
Interest-Only Home Equity Line of Credit
 Rate  APR  Points
 4.000%  4.000%  0.000%
Richard Ruiz
AVP, Branch Manager


2350 Shattuck Avenue
Berkeley, CA 94704


Office: (510) 549-8610
Mobile: (510) 385-4567
Fax: (510) 841-6463
Email: RRuiz@usecu.org
  QUICK QUOTE
To see a sample of the rates available today, use this Quick Quote form.
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Hello, I'm Richard Ruiz. I’m excited about all the financial solutions USE Credit Union has to offer, and I look forward to discussing them with you.  Whether you want a home loan, auto financing, or a checking account, I am here to provide you with Unbeatable Service Excellence!

USE Credit Union Commitment:
USE Credit Union is a “Total Cost Lender” that is committed to helping borrowers make informed mortgage decisions. We offer a free side by side comparison of up to four loan programs so you can determine the true cost and benefits of each program. Please click here to view a sample of our loan comparison.
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