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Our credit union is a not-for-profit financial cooperative which makes it a better choice. You can bank on it

The difference between credit unions and banks? It's like the difference between a mega-corporation and a neighborhood nonprofit. One always has its eye on the bottom line, while the other focuses on people rather than profits.

 

While banks and credit unions offer similar products and services, a bank's mission is to enrich its shareholders. In contrast, a credit union is a not-for-profit institution owned jointly by you, our member-owners. All earnings are funneled back into our financial cooperative and with your participation and relationship we provide members unparalleled benefits that include the Best Rates in the Nation Guarantee.*

Ready to see a positive difference with your finances? Start with our online membership application. If you want to talk more about how UCU can assist you, please contact us.

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Calculators

Calculators

The more you know, the better prepared you are to make great choices for yourself and your family. 
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Learning Center

Learning center

Gain a wealth of knowledge on subjects such as 529 plans, college financing, mortgages, and estate planning.
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Forms

Forms

From membership and loan applications to direct deposit and stop payments, our forms are conveniently available online. 
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"I love this credit union. I recently closed my accounts with a nationwide bank with questionable practices and moved all my banking to UCU. They've always been super helpful and there's an ATM a mile from my house. Would highly recommend."

– Leslie B.

    Giving our University Communities a financial advantage
    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.
    *UCU guarantees that our lowest loan rate 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. Rates are subject to approval and based on an evaluation of credit history and other factors specific to your loan (such as loan term, credit score, loan amount, loan-to-value, and length of credit) and may be higher than the lowest rates advertised. Rates are subject to change at any time. 

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