University Credit Card

*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. 

¹UCU does not charge any annual fee for the University Credit Card. The University Credit Card is a variable rate card and the annual percentage rate may vary after the account is opened. The University Credit Card has a fee of 2% of the amount of each cash advance (or a minimum of $10, whichever is greater). Penalty fees: Late payments are $10 each and return payments are $30 each. There are no over the credit limit fees. Rates are subject to change without notice. Loan issued subject to credit review. 

²Rate comparisons conducted by University Credit Union and are based on competitor information compiled on October 30, 2025. Rates subject to change. See the online credit card application for details about terms and conditions. Subject to credit approval. Approval is based on several factors, including borrower’s credit history. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. Our comparisons include similar types of cards to give the best range, but cards and offerings vary. To confirm terms, conditions, benefits, and rates, please visit each provider's website for the most up-to-date information. 

³APR = Annual Percentage Rate  

⁴APY = 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. Contact UCU for complete details. Federally insured by NCUA.