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

Your equity, your vision, our support.

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.*

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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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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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.

A credit union for everyone in the university community

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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

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

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Financial services

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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University Credit Union - Georgia Tech Rewards Credit Card

University Credit Union - Lions Rewards Credit Card

University Credit Union - Santa Clara University Broncos Debit Card

University Credit Union - Santa Clara University Broncos Rewards Credit Card

University Credit Union - Saint Mary's College Gaels Debit Card

University Credit Union - Saint Mary's College Gaels Rewards Credit Card

University Credit Union - University of California Aggies Debit Card

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^*

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.

University Checking Account
Earn up to 5.00% APY¹ about University Checking Account
Money market rates
Watch your savings soar about Money market rates
Certificate rates
Grow your wealth with exceptional rates about Certificate rates

Additional services

Virtual assistant

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

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Digital banking

Experience the freedom of banking at your fingertips with seamless access to your finances wherever you are.

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Account services

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

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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.

Concerned woman looking at phone worried she is a victim of fraud or a scam.

UCU Blog

Fraud awareness: Understanding and prevention

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

UCU Blog

Your summer guide to stress-free summer travel

UCU Blog

What Do You Need To Open A Checking Account?

Frequently asked questions

Need more information?

Why should I use a credit union over a traditional bank?

When you join University Credit Union, you become a member-owner, meaning you have a say in how your financial institution is run. You can also enjoy perks like lower rates, flexible loan options, and personalized service that you won't find at traditional banks. Learn More
Is there a minimum deposit required for a University Credit Union account?

One of the great things about University Credit Union is our low minimum deposit requirements. You’ll only need $5 to open a savings account and $50 to open a University Checking Account. Browse all of our account options to find one that is right for you. Learn More
Can I get a student loan through University Credit Union?

University Credit Union offers graduate and undergraduate student loans for students who need to supplement their savings or federal loans. Choose a fixed-rate loan or a variable-rate line of credit, and we’ll disburse funds directly to your school. Learn More
Who is eligible for membership at University Credit Union?

University Credit Union offers membership to faculty, staff, students, alumni, family members and anyone affiliated with the university community. Learn More
Can I open a University Credit Union account online?

You can easily start your banking journey with our online application process. In just a few simple steps, you can initiate your account set up from anywhere! Learn More

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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