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Special HELOC rate of 5.99% APR* for the first 12 months.

Your equity, your vision, our support.

Learn more about Special HELOC rate of 5.99% APR* for the first 12 months.
Special HELOC rate of 5.99% APR* for the first 12 months.

This might be the easiest money move you make all year.

Refinance your auto loan the UCU way, with smarter savings, real financial insight, and no payments for 90 days.*

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UCU Auto Loan Refinance

See the future you — empowered by UCU.

No matter what your current financial situation is, we're here to help you increase your income, reduce expenses, and build a stronger financial future.
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Empower YOU

A mortgage that flexes with your future.

An Adjustable Rate Mortgage starts with a lower rate and adjusts over time, keeping up with your changing goals.
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Adjustable Rate Mortgage (ARM)

Borrow a little, live a lot.

Our Summer Loan gives you flexible funds for all your sunny adventures.
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Vacationing couple enjoying the benefits of a UCU Summer Loan.
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A credit union for everyone in the university community

Apply for a loan about A credit union for everyone in the university community
Experience banking designed for you. University Credit Union is here to support you every step of your financial journey with a wide selection of products and services to fit every lifestyle.

We've been serving the university community for more than 70 years. Our member-owners have access to products and services you'd find at a traditional bank, but with the extra benefits that only a credit union can provide, UCU stands apart from other financial institutions, offering personalized service, customized products, and robust financial education exclusively tailored for the university community.

Explore our diverse banking services

Banking - Los Angeles, California, United States

Checking, savings, and money market accounts

Manage and grow your money with ease with our University Checking Account.
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Banking

Loans - Los Angeles, California, United States

We’ve got options to fit your needs

Get one step closer to your goals with our flexible loan options to empower you every step of the way.
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Loans

Memberships - Los Angeles, California, United States

Become a member-owner today

Discover the difference being a University Credit Union member-owner makes. 
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Membership

Financial services - Los Angeles, California, United States

Financial services

Prepare for your future with peace of mind. Protect yourself and plan for retirement by investing wisely today.
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Financial services

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    A card for every wallet

    Member-owners from our partner universities can show off their university pride with credit and debit card designs customized to their specific school. Manage your spending, build your credit, and unlock exclusive benefits all while showing your school pride.
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    Ask the CEO

    Ask the CEO

    At UCU, we're here to serve your financial needs with unparalleled value and personal service.
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    Best rates in the nation guarantee - Los Angeles, California, United States

    Best rates in the nation guarantee*

    Save time and money with UCU's unbeatable rates. We are the only financial institution nationwide to guarantee that our rates on auto loans, credit cards, consumer loans, and HELOCs are ALL within the top 5% lowest nationwide.

    Additional services

    Virtual assistant

    Virtual assistant

    Need personalized help outside regular banking hours? Meet Royce, your always available personalized banking assistant. 
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    Digital banking

    Digital banking

    Experience the freedom of banking at your fingertips with seamless access to your finances wherever you are.
    Learn More about Digital banking
    Account services

    Account services

    Discover financial freedom with fee-free CO-OP ATMS nationwide, go-anywhere digital banking, and convenient account services.
    Learn More about Account services

    My experience with UCU and the staff was nothing short of outstanding from start to finish. An absolute testament to the values that UCLA and UCU share.

    – Vince S.

      Man in the airport walking to his flight for summer travel.

      UCU Blog

      Your summer guide to stress-free summer travel

      Read more about Your summer guide to stress-free summer travel

      UCU Blog

      What Do You Need To Open A Checking Account?

      Read more about What Do You Need To Open A Checking Account?

      UCU Blog

      How Cash Back Credit Cards Work

      Read more about How Cash Back Credit Cards Work
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      Frequently asked questions

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      Contact Us Click on Contact Us for more details
      Giving our University Communities a financial advantage
      University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.
      *UCU guarantees that our lowest loan rate for cars, credit cards, consumer loans, and HELOCs are in the top 5% nationwide as measured in a monthly rate survey by Rate Watch, a part of S&P Global. Rates are subject to approval and based on an evaluation of credit history and other factors specific to your loan (such as loan term, credit score, loan amount, loan-to-value, and length of credit) and may be higher than the lowest rates advertised. Rates are subject to change at any time. 

      1APY = Annual Percentage Yield. To earn up to 5.00% APY, member must have a qualifying University Checking Account. Based on a combined rate of 4.88%. Credit card must be active, have at least one monthly transaction (excludes balance transfers and cash advances), and be enrolled in credit card eStatements to qualify for the extra 1.00% APY in dividends. Account does not earn dividends if there is a $0 balance in a HELOC at the end of the month. All accounts must be in good standing with no delinquency or bankruptcy pending. Multiple loans in the same category count for only 1.00% APY in dividends.

       

      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. 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. To establish a UCU Membership, you must deposit at least $5 to a Regular (Share) Savings Account. A $50 minimum deposit is required to open a University Checking Account. All accounts are subject to approval.

       

      2APR = Annual Percentage Rate. Rates stated available on approved credit and may be different as determined by the individual creditworthiness of each applicant. The maximum annual percentage rate for a UCU Credit Card is 23.99% APR. Rates current as of November 8, 2024, and are subject to change based on market conditions and borrower eligibility.

      We're invested in your financial wellness

      Take charge of your finances with our financial tools and services selection. We're committed to giving you a financial advantage!
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      Apply to join our dynamic team

      We're always looking for smart, savvy employees to join our ever-growing UCU community of financial experts. Browse our career opportunities today.
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