University Credit Union (UCU) is a not-for-profit financial institution for employees and families of major Southland Universities that was established in 1951 by UCLA employees, for UCLA employees. The credit union’s field of membership has grown extensively over the years, as has its products, services, and capabilities. Because the credit union is not-for-profit, it is able to offer its members higher deposit rates and lower lending rates than most banks. Because it is a smaller organization, the customer service is more personalized, giving members the feeling of a community bank.