Skip to main content
Open an Account
Don't forget to activate your new credit card!

Don't forget to activate your new credit card!

Buckle up for an upgrade to your wallet! Your new and improved UCU credit card has been enhanced to prioritize simplicity, security, and convenience. Tap into a new era of banking.

Better design, better experience.

Contactless Payments

Contactless Payments

We've gone contactless, making your payments faster and more secure with a simple tap.
Sustainable

Sustainable

Taking a sustainable step forward, our standard UCU credit cards are now made from 85% recycled plastic.
Mastercard ID Theft Protection™ 

Mastercard ID Theft Protection™ 

Your card comes with Mastercard ID Theft Protection™ to help defend your accounts against identity theft.

Check out our new look

Plus, we've given our standard credit cards a modern makeover, with a sleek new look and feel that elevates your experience.
Cash Back University Credit Union
Rewards University Credit Union
University Credit Union
Business University Credit Union
    Exclusive Promotion

    Exclusive Promotion

    Receive 5.99% APR* on any purchases made on your card through August 31, 2024.

    Your next steps

    • On April 29, 2024, activate your new credit card and begin using it. Activate your card by following the instructions on the sticker on the front of your card or via digital banking after 12 PM PST.
    • If you previously had any alerts or settings set up in Card Manager, they have not carried over with your new credit card and you will need to set them up again.
    • Your credit card has a new card number, so be sure to update it in your mobile wallet, for any recurring payments, or anywhere else you may have it stored.
    • Your old credit card will now no longer work, so please safely destroy and discard it.
    Attention Current Credit Card eStatement Enrollees

    Attention Current Credit Card eStatement Enrollees

    Please be advised that if you were previously enrolled in credit card eStatements you will need to re-enroll via digital banking beginning April 29, 2024. Following re-enrollment, you will receive both a paper statement and an eStatement for the following statement cycle. We appreciate your understanding as we work to give you a financial advantage. 

    • Where can I find my credit card eStatements?

      In digital banking, there will be a change in how you access your credit card eStatements. You can find previous credit card eStatements under the main menu selection labeled ‘eStatements and Documents'. Any new credit card eStatements can be found under the menu selection labeled ‘Credit Card Statements'.

    Frequently Asked Questions

    DISCLOSURE

    *APR = Annual Percentage Rate. Promotional rate only applies to purchases made and posted April 29 - August 31, 2024; balance transfers or cash advances are not eligible. After promotional period ends, all remaining balances from purchases during this period will revert to the regular (or standard) rate, between 7.42% and 23.99% APR, at which the credit card had prior to April 29, 2024. Rate applies only to existing UCU credit card holders prior to April 1, 2024.

    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 September 19, 2024, and are subject to change based on market conditions and borrower eligibility.

    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.