A credit union for everyone in the university community
We've been serving the university community for more than 70 years. Our member-owners have access to products and services you'd find at a traditional bank, but with the extra benefits that only a credit union can provide, UCU stands apart from other financial institutions, offering personalized service, customized products, and robust financial education exclusively tailored for the university community.
Explore our diverse banking services
Checking, savings, and money market accounts
Banking
We’ve got options to fit your needs
Loans
Become a member-owner today
Membership
Financial services
Financial services
A card for every wallet
Ask the CEO
Best rates in the nation guarantee*
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University Checking Account
Earn up to 5.00% APY¹ about University Checking Account -
Money market rates
Watch your savings soar about Money market rates -
Certificate rates
Grow your wealth with exceptional rates about Certificate rates
Additional services
Virtual assistant
Digital banking
Account services
UCU Blog
Drive smart, finance smarter: Empowering your auto loan decisions
Read more about Drive smart, finance smarter: Empowering your auto loan decisions
UCU Blog
Empower your financial future: Taking control of your money story
Read more about Empower your financial future: Taking control of your money story
UCU Blog
How to get pre-qualified and pre-approved for a mortgage
Read more about How to get pre-qualified and pre-approved for a mortgage
UCU Blog
Avoiding Online Scams in the Digital Age
Read more about Avoiding Online Scams in the Digital Age
Frequently asked questions
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- Why should I use a credit union over a traditional bank? When you join University Credit Union, you become a member-owner, meaning you have a say in how your financial institution is run. You can also enjoy perks like lower rates, flexible loan options, and personalized service that you won't find at traditional banks. Learn MoreClick to Learn More
- Why should I use a credit union over a traditional bank?
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- Is there a minimum deposit required for a University Credit Union account? One of the great things about University Credit Union is our low minimum deposit requirements. You’ll only need $5 to open a savings account and $50 to open a University Checking Account. Browse all of our account options to find one that is right for you. Learn MoreClick to Learn More
- Is there a minimum deposit required for a University Credit Union account?
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- Can I get a student loan through University Credit Union?
University Credit Union offers graduate and undergraduate student loans for students who need to supplement their savings or federal loans. Choose a fixed-rate loan or a variable-rate line of credit, and we’ll disburse funds directly to your school. Learn MoreClick to Learn More
- Can I get a student loan through University Credit Union?
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- Who is eligible for membership at University Credit Union?
University Credit Union offers membership to faculty, staff, students, alumni, family members and anyone affiliated with the university community. Learn MoreClick to Learn More
- Who is eligible for membership at University Credit Union?
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- Can I open a University Credit Union account online?
You can easily start your banking journey with our online application process. In just a few simple steps, you can initiate your account set up from anywhere! Learn MoreClick to Learn More
- Can I open a University Credit Union account online?
University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.
1APY = 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.
2APR = Annual Percentage Rate. Rates stated available on approved credit and may be different as determined by the individual creditworthiness of each applicant. The maximum annual percentage rate for a UCU Credit Card is 23.99% APR. Rates current as of November 8, 2024, and are subject to change based on market conditions and borrower eligibility.