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Proud banking partner of the SCU community
University Credit Union is the official credit union of Santa Clara University, committed to helping students, faculty, staff, alumni, and their families realize their financial advantage.
Make it official!
Bank with Bronco pride when you pay with the official Broncos Rewards credit card — only from University Credit Union!
- No annual fee
- Earn 2 points for every $1 spent on all purchases*
- There is no limit on the rewards you can earn
- Redeem points for travel, gift cards, merchandise, Mastercard® prepaid cards, eCertificates, and more
- Experience enhanced security benefits and features powered by Mastercard®
Achieve your goals with a UCU loan
Auto loans
University Credit Union offers competitive rates and flexible terms designed to help you stick to your budget and achieve your financial goals.
Personal loans
Whether you're pursuing further education, renovating your home, or planning a significant life event, a personal loan provides the financial support you need.
Home loans
We offer options to fit almost every budget, making navigating the home loan process effortless! Secure your dream house with help from our home loan experts.
SCU Banking Hub
Certified Credit Union Financial Counselors (CCUFC) are available virtually as well as on-campus to help students, faculty, and staff navigate financial questions and concerns. Book an appointment, today, for a free coaching session with a dedicated financial expert.
The UCU Banking Hub is located on-campus in the Benson Memorial Center.
Earn 37x the national average1 in dividends
University Credit Union's Smart Checking offers a strong rate, minimal fees, and a suite of premier features designed to maximize your financial advantage.
- Up to 3.00% APY²
- No monthly service fees or overdraft fees
- Free ATM access on campus & 30,000+ CO-OP ATMs nationwide
- Official Broncos debit card!
Bank smarter, not harder
Bank anywhere with University Credit Union's secure digital platform. Manage accounts, transfer funds, pay bills, and access powerful tools to achieve your financial goals—all from your phone, tablet, or computer.
Digital banking
University Credit Union's top-rated mobile app puts a full suite of digital banking services, including mobile check deposit, Bill Pay, and card management, right in your hand.
Digital banking
Mobile wallet
Enjoy secure, convenient, and seamless spending by adding your University Credit Union debit card to your mobile wallet. Pay at registers, order ahead, or checkout—no card needed.
Mobile wallet
Meet Royce
Royce is an AI (artificial intelligence) powered digital assistant that can answer questions, help you find resources on our website, provide account information, facilitate transactions, and more.
Meet Royce
Open an account today
Open a University Checking, Smart Checking, High Yield Savings account, and even a limited-time certificate in a matter of minutes using UCU's virtual application.
*Rewards Credit Card offers a generous 2 points per dollar spent on net new purchases (purchases less any credits, returns, disputed billing items, and adjustments). Cash advances, balance transfers, fees, finance charges, checks, or other transactions that we determine not to be eligible used to access your account will not earn rewards points. Not all members will qualify. There is no limit on the rewards points you can earn each month. Any determination of qualifying transactions and exceptions for rewards points is at the sole discretion of UCU. UCU reserves the right to verify and adjust rewards points at any time prior to or following point posting and redemption. Points are not earned until they appear on the billing statement. If the Rewards Credit Card account is closed, all points not redeemed will be lost. Rewards points are not transferable. UCU may change or terminate the Rewards Program at the credit union's discretion at any time, with or without prior notice except where required by law.
1The national average of 0.08% and other competitor information, based on comparable deposit products listed by the FDIC as of 12/06/2024. Rates subject to change. We make every effort to maintain accurate information. However, all high-yield checking information is presented without warranty. High-yield checking promotions and offerings vary.
2APY = Annual Percentage Yield. To earn 3.00% APY, member must have a qualifying Smart Checking Account. Based on a combined rate of 2.96%. All accounts must be in good standing with no delinquency or bankruptcy pending. Qualifying Smart Checking Accounts will earn 3.00% APY in dividends on balances up to $25,000. Balances above $25,000 will be paid at the regular checking rate.
Qualifying Smart Checking Accounts are defined as being enrolled in eStatements and having a direct deposit to the Smart Checking Account of at least $1,000 aggregated monthly. If the requirements are not met, then no dividend is earned. Secondary Smart 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 Smart 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 Smart Checking Account. All accounts are subject to approval.