Are you just starting your credit card journey? Perhaps you're a student or recent graduate ready to shift from only debit card life to credit and start building your credit. University Credit Card is ideal if you're just getting started on your credit card journey. 


Find your unlimited potential. It's a smart move to shift your balances from your high-interest rate credit cards to your new University Credit Card.



University Credit Card benefits include


Best Rates in the Nation Guarantee*

UCU guarantees our University Credit Card rate is in the lowest 5% nationwide

Save on fees

Our low rate card comes with no annual or foreign transaction fees1

APR from 12.99%

University Credit Card rates are 20% better than the closest competitor2


Earn up to 5.00% APY3

Having both a University Credit Card and a University Checking Account helps you earn up to 5.00% APY for the banking you already do!


Apply Today


Member Testimonial

"UCU has helped me finance all the cars I have owned throughout my life. They treat me like family."

- Glenn A.