Meet University Credit Union
Domers bank with their brains.
Proud banking partner for university students, faculty, staff, and alumni
Choosing a financial institution is an important decision. You want a partner who understands the university community and has the expertise to guide you wisely. UCU was created by the university community, for the university community, and offers customized financial solutions for students, staff, faculty, alumni, and their families.
Since 1951, we have been giving member-owners a financial advantage through a high-yield checking account, Best Rates in the Nation Guarantee*, smart digital banking solutions, and so much more. Start banking with your brain and become one of our valued member-owners, today.
Great banking options from UCU
Our Rewards, Cash Back, or University Credit Cards help you maximize your buying power.
With rates as low as 5.24% APR,1 you'll get more joy out of your ride with a UCU Auto Loan.
4.00% APY2 High Yield Savings Account
New money only.
$2,500 minimum balance to earn dividends.
Bank smarter, not harder
UCU's Smart Checking Account rewards you for managing your money wisely. Earn a remarkable 3.00% APY on your qualified Smart Checking Account and enjoy one of the best offers nationwide!
Earn 3.00% APY3
Set up direct deposit and enroll in eStatements to start earning.
We're redefining modern banking
University Credit Union is proud to be a digital-first credit union, leading the way with cutting-edge technology and user-friendly solutions, making on-the-go banking easier and safer than ever before.
Our commitment to accessibility means you connect with us easily. Our team extends nationwide, combining advanced digital banking services with personalized support, wherever you may be.
- Convenient Banking
Our digital banking capabilities and top-rated app will have you managing your money with confidence and ease.
- Virtual Appointments
No need to come into a physical location for financial expertise. Book an appointment with one of our team members, virtually!
- 24/7 Online Assistance
When you're looking for a quick answer, Royce, our AI virtual assistant, is available 24/7 on our website.
We're like a bank… except better
Credit unions are different by design - our mission is not focused on satisfying shareholders and keeping an eye on the bottom line. As a not-for-profit organization, our goal is to give member-owners a financial advantage through concierge customer experiences, a Best Rates in the Nation Guarantee, and competitive savings opportunities.
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.