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New Member High-Yield Savings.
University Credit Union (UCU) offers a high-yield New Member Savings Account available through an easy and intuitive online application.
A secure, low-maintenance account that earns more.
- Earn up to 2.75% APY*
- No monthly fees and only $5 to open
- Manage funds on the go with UCU's top-rated app
- Federally insured by the NCUA up to $250,000
UCU is a digital credit union for the UC community.
University Credit Union (UCU) is a full-service digital credit union founded by UC employees for the UC community, including UC Berkeley. UCU is proud to offer students, faculty, staff, and alumni:
- High-yield checking accounts with no hidden fees (including no overdraft fees or a minimum balance requirement)
- A Best Rate in the Nation Guarantee1
- Modern digital banking experience with real, reliable support
The loans you need and the convenience you want.
UCU offers a full suite of lending products to support you.
From new and used auto loans to personal loans, HELOCs, mortgages, and more – all loans are available via an easy and secure online application process.
UCU offers a full suite of lending products to support you.
Credit cards designed to fit your lifestyle.
Whether you're looking for a credit card that earns rewards or cash back – or one that helps you rebuild your credit – UCU has the perfect option for you.
Credit cards designed to fit your lifestyle.
We have the best rates in the nation, guaranteed.
Enjoy peace of mind and extra savings with UCU's Best Rates in the Nation Guarantee – your assurance that you're getting a competitive, wallet-friendly rate.
We have the best rates in the nation, guaranteed.
What is a digital credit union?
A better way to bank.
University Credit Union is a digital credit union with people-powered support. Bank on your terms with self-service digital experiences and secure, simple ways to manage your accounts. And if you need to talk to an expert –a real, certified UCU team member is available virtually or in-person. This is smart banking with a soul.
Bank smarter, not harder with the UCU mobile app.
Fund transfers
Transfer funds instantly between your UCU accounts
Alerts
Set customized alerts and receive SMS notifications
Digital payments
Manage your loan payments through your digital banking portal
Mobile check deposit
Deposit checks in a snap with your phone
Enhanced person-to-person experiences.
Visit us in-person or connect through a virtual 1:1 session with a certified expert and we’ll support your financial journey at your convenience. The Shared Branch Network covers 5,600+ locations and nearly 30,000 ATMs, giving you local access to traditional banking services when you need it.
We’re here if you need us
The University Credit Union experience is designed to put you securely and conveniently in control of your finances. However, in the event you do need real, reliable support, our team is ready to help.
*APY = Annual Percentage Yield. APY is accurate as of 1/1/26 and subject to change or end at any time. Dividend rate is 2.716%. Minimum opening deposit is $5. Minimum balance required to earn APY is $2,500.00. The High Yield Savings Account is a tiered rate account. 0% APY for a balance less than $2,500.00 and 2.75% APY for balances $2,500.00 and more. The APY for each balance tier is variable and is subject to change after the account is opened. High Yield Savings Account is only available for new money deposited to UCU. New money is money not currently or previously held in a UCU account.
1UCU guarantees that our lowest loan rate for cars, credit cards, consumer loans, and HELOCs are in the top 5% nationwide as measured in a monthly rate survey by Rate Watch, a part of S&P Global. Rates are subject to approval and based on an evaluation of credit history and other factors specific to your loan (such as loan term, credit score, loan amount, loan-to-value, and length of credit) and may be higher than the lowest rates advertised. Rates are subject to change at any time.