UCU Blog
Featured post
Financial Tips, Industry News, and More
We're here to help you thrive financially. Dive into articles that share expert advice, inspiring member stories, and practical tips to support your financial journey, wherever it may take you. Prefer video? Check out our YouTube channel for similar content.
- Popular tags
- 2025 Refinancing
- 2025 trends
- 2026 tax season
- 90 Day Money Reset
- accounts
- AI
- AI Impact
- Apps
- APR
- APY
- Artificial Intelligence
- Asset Allocation
- Assistance During Shutdown
- Auto finance
- auto insurance
- auto loan
- auto loan changes
- auto loans
- auto market
- automobile industry
- Awareness
- banking industry trends
- banking landscape
- Banking Safety
- banks
- best debt relief companies
- best debt relief programs
- best home loan rates
- big banks
- budget tips
- Budgeting
- California Housing
- car buying guide
- Car finance
- car loan
- car loans
- Car ownership
- cash flow optimization
- Causes of Delinquency
- certificates
- checking
- checking account
- Civic Engagement
- Community Involvement
- community support
- Community Well-being
- community-impact
- consolidation
- consumer awareness
- consumer finances
- consumer impact
- Credit
- credit card
- credit card debt relief
- credit card debt relief program
- credit card users
- credit cards
- credit control
- credit guide
- credit health
- Credit Improvement
- credit management
- credit rates
- credit score
- credit score calculation
- credit understanding
- Credit Union
- credit union benefits
- Credit Union Leadership
- credit union members
- credit union taxation
- credit unions
- crisis management
- debit card payments
- debit cards
- debt
- Debt Management
- debt reduction
- debt relief
- debt relief strategies
- debt settlement
- debt settlement companies
- debt solutions
- Delinquency
- Delinquency Trends
- deposit
- Deposits
- Digital Payments
- Digital Wallet
- dividends
- donation-drive
- donations
- Economic Security
- Economy
- Education
- Education Financing
- education loans
- emergency fund
- Emergency Savings
- empower
- experian unlock credit
- Exploring AI
- federal
- Federal Government
- Federal Rate Cuts
- Federal Reseve
- FICO
- FICO score
- finance
- financial advice
- Financial Assistance
- financial confidence
- Financial Control
- Financial Decisions
- financial education
- Financial Empowerment
- Financial Flexibility
- Financial Freedom
- financial growth
- financial guide
- Financial Health
- Financial Independence
- financial innovation
- financial institutions
- financial journey
- financial literacy
- financial management
- Financial Opportunities
- Financial Planning
- financial policy
- Financial Progress
- financial regulation
- Financial Resilience
- Financial Security
- financial services
- Financial Stability
- Financial Stress
- Financial Technology
- Financial Uncertainty
- Financial Wellness
- food security
- Fraud
- fraud protection
- Fraudsters
- future auto trends
- Future of AI
- Future Planning
- giving-back
- Golden Years
- government
- government policy
- Government Shutdown
- Government Shutdown Support
- Guidance
- Health
- healthcare
- heloc
- high yield
- Higher Education
- Holiday Initiatives
- holiday-charity
- home equity
- home loan
- homeownership
- Housing
- income
- income management
- Innovation
- Interchange Legislation
- Interest
- Interest Rates
- invest in education
- Investment
- Investment Portfolio
- investment strategies
- Investment Strategy
- Investments
- lawmakers
- Leadership Transition
- legislative impact
- lending services
- loan
- Loan Guide
- loan management
- Loan options
- Loan Repayment
- loan tips
- Loans
- loans for cars
- lock my credit
- Management
- member benefits
- Member Experience
- member-owner
- Mental Health
- Mobile Apps
- money management
- Money Transfer
- mortgage loan
- Neuroscience
- New car
- New CEO
- Online Banking
- P2P
- payment networks
- Payments
- payments industry
- Peer-to-peer
- personal finance
- philanthropy
- Prevention
- prosperity
- Protection
- public policy
- rate cap
- Rates
- Recovery
- Recovery from Delinquent Behavior
- Refinance
- refinance benefits
- refinancing
- Resilient Financial
- Retirement
- Retirement Guide
- Retirement Planning
- retirement savings
- retirement strategies
- Retirement Strategy
- Richard Wada
- Risk Management
- Safe Transactions
- Saving
- saving tips
- savings
- Scam
- scams
- Schools
- Secure Payments
- security
- Shutdown Challenges
- Shutdown Crisis Help
- Shutdown Resources
- skip a pay
- smart buying
- Smart finance
- Spending
- spending habits
- spring financial clean-up
- Strategic Partnerships
- stress-free travel
- Student Debt
- Student Loans
- student welfare
- student-volunteers
- summer loan
- summer travel
- support
- Support for Members
- Support Systems
- tax implications
- tax planning
- tax refund
- tax season
- tax tips
- taxes
- Technology
- the best debt relief program
- travel budgeting
- travel tips
- trusted resources
- UCU
- UCU Support
- Understanding AI
- Understanding Delinquency
- unfreeze credit
- unfreeze my credit
- university
- University Communities
- University Credit Union
- university-community
- unlock credit
- unlock credit freeze
- Used car
- VA home loan
- vehicle finance
- vehicle financing
- Vehicle loan
- vehicle market
- volunteering
- Wealth Advisor
- Wealth Creation
- Wealth Management
- Youth Delinquency
- Zelle
- Zelle Guide
- July 2026 (1)
- June 2026 (6)
- May 2026 (2)
- April 2026 (3)
- February 2026 (2)
- January 2026 (2)
- December 2025 (4)
- November 2025 (2)
- October 2025 (2)
- September 2025 (3)
- August 2025 (3)
- July 2025 (2)
- June 2025 (3)
- May 2025 (3)
- April 2025 (1)
- December 2022 (1)
- November 2022 (1)
- October 2022 (1)
- September 2022 (2)
- August 2022 (1)
- June 2022 (2)
- May 2022 (1)
- April 2022 (1)
- March 2022 (2)
- February 2022 (1)
- January 2022 (1)
- December 2021 (1)
- September 2021 (1)
- August 2021 (2)
- July 2021 (2)
- June 2021 (1)
- May 2021 (1)
- April 2021 (1)
- March 2021 (1)
Jan 14, 2026
Why a 10 Percent Credit Card Rate Cap Could Hurt Consumers
This article unravels the implications of a 10 percent credit card rate cap on consumers and their spending habits.
Apr 01, 2025
Empower Your Financial Future with UCU
Empower yourself: Follow along with our informative guidelines for personal financial wellness, growth, and development
Leaving University Credit Union Website
You are leaving ucu.org. The site you are about to visit is not operated by UCU. Please refer to the Terms of Use and Privacy Policy for this outside website as they may differ from UCU’s. UCU does not endorse and assumes no liability for any alternate website’s content and does not represent either the third-party or the member if the two enter into a transaction.
Giving our University Communities a financial advantage
University Credit Union offers membership to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, 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. Click here for full eligibility and membership options.
University Credit Union offers membership to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, 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. Click here for full eligibility and membership options.