Earn up to 5.00% APY* on your University Checking Account!

With our University Checking Account you'll have the potential to earn up to 5.00% APY when you have your loans with UCU. Bank with your brain and start earning more for the banking you already do!


Here's how the benefits can add up for you:


  • Earn 1.00% APY in dividends with at least 25 monthly transactions and eStatements
  • Earn 1.00% APY for a UCU Auto Loan
  • Earn 1.00% APY for a UCU Credit Card
  • Earn 1.00% APY for a UCU Consumer Loan 
  • Earn 1.00% APY for a UCU Home Loan or HELOC
  • Plus, when you enroll in direct deposit, you can access your paycheck up to two days early2


Checking Account
Minimum Balance
to Earn Dividends
Dividend Rate Annual Percentage Yield (APY)
University Checking Account Balances up to the first $25,000 (Must have a minimum of 25 qualifying transactions and eStatements to earn dividends). 0.995% 1.000%
University Checking Account Additional balances above $25,000. 0.050% 0.050%

A lot of people have checking accounts where the money just sits around waiting to be spent. Not you. You bank with your brain. Show it by opening your account online

Member Testimonial

"The way each UCU staff member cared for my every concern allowed me to drive away in my new ride."

- Beverly W.