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Savings Accounts - Overview

Savings accounts

No matter where you are in your financial journey, UCU is here to guide you on saving smarter. 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 with a University Credit Union savings account.

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. Visit one of our locations or book an appointment with a certified financial expert to learn more about savings options that are right for you. Apply for our high-yield savings accounts or certificates for competitive returns.

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Discover the Difference of a Savings Account

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

Kick your Savings into High Gear - Los Angeles, California, United States

Kick your Savings into High Gear

Get more from your savings with a money market account from UCU. Discover the ideal solution for those seeking big returns, flexible access, and peace of mind from a savings account.

Learn more about Kick your Savings into High Gear

Money Market

Supercharge Your Returns - Los Angeles, California, United States

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.

Learn more about Supercharge Your Returns

Certificates

Invest in Tomorrow - Los Angeles, California, United States

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.

Learn more about Invest in Tomorrow

Individual Retirement Accounts

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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

    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.

    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.

    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.

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    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.

    Learn more about Tap into Convenience

    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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