A financial institution that cares
Why you should bank at UCU
Stay on top of UCU news
Come work with us!
Ethical banking for everyone
Find shared branches and ATMs
Here when you need us – always
Frequently asked questions
- When can I activate and start using my new card? Click On When can I activate and start using my new card? You can activate and start using your new card on February 14, 2024.
- Why did my debit card change? Click On Why did my debit card change? Our commitment to better serving our member-owners is always top of mind. We chose to upgrade our debit cards to deliver added benefits and state-of-the-art convenience. Our new debit cards now allow contactless transactions and offer enhanced security. Plus, our standard UCU debit card features a new revamped and modern look and feel.
- Why should I choose UCU as my financial institution? Click On Why should I choose UCU as my financial institution?
Becoming a member-owner at UCU offers many benefits. In addition to accessing a wealth of financial tools and resources to help you become a better money manager, you’ll earn great dividends, access competitive interest rates on loans, and experience unmatched service.
- What is the fastest way to get a response if I need help with my UCU account outside of business hours? Click On What is the fastest way to get a response if I need help with my UCU account outside of business hours?
Getting help when you need it is a critical factor when choosing where to bank. UCU’s virtual assistant, Royce, is available 24/7 to answer questions, perform basic banking transactions, or even walk you through a loan application.
- If I bank with UCU, am I making an ethical choice? Click On If I bank with UCU, am I making an ethical choice?
At University Credit Union, we are firmly committed to our members, our communities, our planet, and every living thing on it. We strive to only work with other ethical organizations and maintain environmental and social responsibility. Read about our initiatives.
- Can I work at University Credit Union? Click On Can I work at University Credit Union?
We routinely have openings for smart, financially savvy employees who want to make a difference while being part of a strong community. Browse our open positions and fill out an application or contact us today.
- Where can I find UCU locations or ATMs? Click On Where can I find UCU locations or ATMs?
We have over 5,600 shared branches nationwide to better serve our university community. We also offer access to more than 30,000 surcharge-free CO-OP ATMs to make banking on the go easy and accessible. Use our tool to find a location near you.
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
Avoiding Online Scams in the Digital Age
Read more about Avoiding Online Scams in the Digital Age
6 Steps for Smart Credit Management
Read more about 6 Steps for Smart Credit Management
Student Loan Debt Consolidation 101
Read more about Student Loan Debt Consolidation 101
How Home Equity Lines of Credit (HELOCs) Work
Read more about How Home Equity Lines of Credit (HELOCs) Work 30,000+ surcharge-free CO-OP ATMs
Accessible Shared Branching Network
Get your paycheck sooner
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, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, The Big West Universities, Western Athletic Conference Universities, Southland 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.