Earn 1.00% APY1 in dividends


Earning 1.00% APY in dividends with our University Checking Account is simple. Just make 25 monthly transactions and sign up for eStatements.


A checking account loaded with benefits


ATM reimbursements

Automatic ATM fee reimbursements up to $25 monthly.2


Potential to earn up to 5.00% APY

The potential to earn up to 5.00% APY in dividends when you have your loans with UCU.


0.25% APR3 rate discount

Loan rate discounts of 0.25% with auto pay on personal and auto loans.


We've eliminated overdraft fees

If you overdraft your account, UCU no longer charges an overdraft fee to cover the purchase.4



Features you’ll appreciate


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Online & Mobile Banking

Check balances, pay bills, and much more through our app or online.

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Surcharge-Free Checking

Your UCU Checking Account is free to use with no monthly service fees.

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Free ATMs Nationwide

Access to over 30,000 surcharge-free ATM access nationwide.

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Shared Branching Network

In-branch access at over 5,000 shared branching locations.


Great customer service, I called with an issue and they were able to resolve it in no time. I’ve been banking with them for a while now and never had any problems... keep it up guys.

—Wilson M.


Our online application process is quick and secure — see for yourself!




If you are a current member and would like to open a University Checking account, please contact us at 800.UCU.4510.