
Financial Services
Elevate your financial journey with insurance, investment services, and financial advice from UCU. There is no better time than now to protect and build your finances. After all, your financial success is our number one priority.



Frequently asked questions
- If I am young and healthy, do I need life insurance? Click On If I am young and healthy, do I need life insurance?
Life can change in minutes. The peace of mind of knowing your family is protected is important. UCU offers life insurance to help with funeral expenses, mortgage payments, and other debts.
- What types of insurance does UCU provide? Click On What types of insurance does UCU provide?
UCU offers several insurance options, including renters and condo insurance, extended auto insurance for asset protection and mechanical breakdown, and life insurance
- What kind of protection comes with UCU debt protection services? Click On What kind of protection comes with UCU debt protection services?
When facing hardship or loss of income, UCU has three debt protection packages from which to choose.
- Premier: Disability, Life, and Involuntary Unemployment
- Basic Plus: Disability and Life
- Basic: Life
- You can add debt protection when applying for a loan or an existing loan.
- What accounts are available with UCU’s investment services? Click On What accounts are available with UCU’s investment services?
UCU offers several investment account options, including:
- Retirement Plans
- 401(k), 403(b), TSP Rollovers
- Brokerage Accounts
- IRAs (Traditional, SEP, Simple, Roth)
- 529 Plans and Coverdell Education Savings Accounts
- Business Investment Solutions, Corporations, Partnerships, LLCs
- How can I learn more about the investment services at UCU? Click On How can I learn more about the investment services at UCU?
If you are ready to set up an investment account, you can schedule a virtual appointment online to speak with a certified financial expert.
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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.
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.