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Savings accounts

Make every dollar count with a customized savings account that maximizes your money and minimizes your worries. Optimize your savings with top-tier rates and the personalized service.

 

Whether you're taking your first steps toward financial independence or already have a solid foundation, UCU has the perfect savings account to support your journey.

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Discover the difference of a savings account

  • High-yield options are available to maximize your savings efficiently.
  • Competitive rates across all University Credit Union accounts.
  • Flexible terms suit various financial goals and timelines.
  • Easy opening process
  • Set up direct deposit to feed your savings steadily and get paid up to two days early*

Types of savings accounts

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Money Market

Kick your savings into high gear. Get more from your savings with a Money Market Account. Discover the ideal solution for those seeking big returns, flexible access, and peace of mind from a savings account.

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Money Market

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Certificates

Supercharge your returns. Grow your savings with certainty at a higher fixed rate with a UCU certificate. Our competitive certificate options are ideal for long-term goals where your money grows uninterrupted with guaranteed returns.

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Certificates

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Individual Retirement Accounts

Invest in tomorrow. Our Traditional and Roth IRA options make securing a brighter future possible. Designed to help you achieve your retirement goals, they offer helpful tax advantages and steady growth over time.

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Individual Retirement Accounts

home loans

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Calculate your savings

Calculate your savings

Effortlessly estimate savings, budgets, and retirement needs so you can plan your financial future effectively.

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Guide to financial wellness

Guide to financial wellness

Build a healthy financial portfolio with tools and tips curated by certified financial experts in our Learning Center.

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Give your credit score a boost

Upgrade your credit-building skills with helpful tools and practical strategies to enhance your score. 

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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, 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.

*Early access to direct deposit funds is dependent on the timing of the submission of the payment file from the payer. Generally, these funds are available on the day the payment file is received, which may be between two and six days earlier than the scheduled payment date.

Competitive savings rates

Get ready for a financial advantage with competitive dividend rates offered by University Credit Union. Our top-notch savings account rates will empower your early savings habits and shape your financial future.

Our Rates about Competitive savings rates

Tap into Convenience

Our Mastercard® debit cards provide easy access to your funds, no matter where you "are.." Unleash the power of convenience and control, coupled with state-of-the-art security measures, redefining everything you know about debit cards.

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Find a location near you

You're covered from coast to coast with 30,000 surcharge free CO-OP ATMs and 5,000+ shared branches
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