Become part of UCU
Benefits of UCU
Your financial advantage starts here. At University Credit Union, we understand the importance of selecting the right banking partner. That is why we offer top-tier loans and savings options, personalized guidance from certified experts, and exclusive member-owner benefits - all designed to help you achieve your financial goals.
- Our Best Rates in the Nation Guarantee*
- Up to 5.00% APY1 on your University Checking Account
- UCU credit and debit cards
- Access to more than 30,000 fee-free CO-OP ATMs and 5,600 shared branches nationwide
- Our AI-powered virtual assistant, Royce, is ready to assist 24/7
Our university partners
- University of California, Los Angeles (UCLA)
- Loyola Marymount University (LMU)
- Loyola Law School
- Mount Saint Mary's University (MSMU)
- Otis School of Art and Design
- Pepperdine University
- Santa Clara University
- Saint Mary's College
- University of California, Irvine
- University of California, Davis
- University of California San Diego
- Georgia Tech
- University of Texas at Arlington
- Chabot College and Las Positas College
- Western Athletic Conference
- Abilene Christian University
- University Communities about University Communities
University Credit Union is an innovative, vibrant, member-owned financial co-operative committed to giving all our member-owners a financial advantage.
Students, faculty, staff, alumni, and their families of any college or university partner in California, the West Coast Conference, or Western Athletic Conference are eligible for UCU membership. If you or a family member attend or serve a relevant university, check your eligibility and join us today.
- University Community Impact about University Community Impact At UCU, we're not just about banking; we're about empowering member-owners with financial confidence to achieve their goals. That is why UCU engages in meaningful initiatives such as scholarship opportunities, philanthropic contributions, and community-focused programming.
Frequently asked questions
- How can UCU benefit my student club or organization? Student clubs and organizations are vital to a fulfilling collegiate experience. That is why University Credit Union provides student club and organization accounts tailored to help student leaders manage their organization’s financial objectives.
- Can international students join University Credit Union? We welcome international students to be part of University Credit Union’s growing member-owner network. When you bank with UCU, you’ll discover the support you need to unlock your financial advantage.
- How many UCU locations are there? We have six locations, including advisory centers and banking hubs, as well as thousands of shared banking locations for convenience. Additionally, member-owners have access to more than 30,000 surcharge-free ATMs nationwide.
- Who can join the UCU community? Students, faculty, staff (including retirees), alumni, and their families of any college or university partner listed above, the West Coast Conference, or Western Athletic Conference are eligible for UCU membership. If you or a family member attend or serve a relevant university, check your eligibility and join us today.
- What is a UCU banking hub? University Credit Union’s banking hubs are an innovative and people-focused alternative to traditional “branches.” Instead of experiencing long lines and teller windows, banking hubs are designed to connect member-owners with certified financial experts for personalized assistance.
- Why is a university-focused credit union important? UCU’s informed perspective of needs and experiences unique to university students, faculty, staff, alumni, and their families drives socio-economic development and advancement in social, technological, and economic innovation for member-owners. By becoming a member-owner of University Credit Union, you are joining a banking co-operative dedicated to giving you a financial advantage.
Explore UCU’s latest resources
Calculators
Learning Center
Fee Schedule
*UCU guarantees that our lowest loan rates 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.
1APY = Annual Percentage Yield. To earn up to 5.00% APY, members 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.