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Special offers
We're here to help our members save, earn, and achieve more. Browse our current limited-time promotions and don't miss your chance to take advantage of incredible rates and special offers tailored just for you.
Premier Savings Suite
Lock and Roll Certificate
3.50% APY* 24-month
Elite Earnings Certificate
3.50% APY1 5-month
Looking for a smart, secure way to grow your savings without a long-term commitment? Or would you rather lock in a rate for long-term growth? Either way, we've got you covered with two great certificate options!
Already a UCU member? To take advantage of this awesome opportunity, please contact us at 800.UCU.4510.
Special HELOC rate of 5.99% APR² for the first 12 months
Turn your home's equity into opportunity with a low-rate HELOC. A revolving line of credit can help whether you're planning your dream renovation, consolidating debt, funding your education, or investing in your future.
Earn 2.50% APY³ with a Smart Checking Account
Smart Checking is the easiest way to earn big dividends on your checking account. Simply enroll in estatements and initiate direct deposit, and you will be earning 2.75% APY. It's a no brainer.
The 2026 UCU Scholarship
Submit your application for the UCU Annual Scholarship today! UCU's Scholarship Committee will review submissions and select three $5,000 scholarship winners. Applications must be submitted by February 23, 2026.4
A business credit card that matches your drive
A trusted member of your team, equipped to handle your daily business needs. From earning points for every dollar you spend with no limits to Mastercard ID Theft Protection™, this card is built to work for your business.
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Questions? Book an appointment with our team
Certified Credit Union Financial Counselors (CCUFC) are available virtually as well as in-person to help you navigate financial questions and concerns. Book an appointment, today, for a free coaching session with a dedicated financial expert.
*APY = Annual Percentage Yield. Special promo rate is 3.00% APY based on dividend rate of 3.445%. Promotional rate in effect as of November 1, 2025. Special Promotional certificate will renew as a 6-month certificate at the available rate for the product at that time. Minimum opening deposit is $500. Minimum balance to obtain APY is $500.
Promotional rates are subject to change or end without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings. For other details regarding this account, you can reference your disclosures which covers all other terms and conditions. Ask us for further information about the terms and fees that apply to these accounts.
1Special promo rate is 3.50% APY based on dividend rate of 3.445% available only on new money deposited to UCU. New money is money not currently or previously held in a UCU account. Promotional rate in effect as of November 1, 2025. Special Promotional certificate will renew as a 6-month certificate at the available rate for the product at that time. Minimum opening deposit is $500. Minimum balance to obtain APY is $500. No maximum deposit.
Promotional rates are subject to change or end without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings. For other details regarding this account, you can reference your disclosures which covers all other terms and conditions. Ask us for further information about the terms and fees that apply to these accounts.
2APR = Annual Percentage Rate. Introductory rate good for 12 months from date of closing. Introductory loan rates apply to new loans or loans from other financial institutions and are not intended for refinancing of existing University Credit Union loans, nor are they available as a concurrent loan with a home purchase. Rate may change based on the index which is the Prime Rate as regularly published in the “Money Rates Table” of the Wall Street Journal. Interest-only payments apply to Home Equity Lines of Credit with a maximum 80% combined loan-to-value and during draw period only. Minimum Credit Limit $25,000. The current index for this quarter as of 10/29/2025 is 7.00%. Corresponding variable APRs range from 6.50% to 17.99%. Rate is subject to change quarterly. The minimum payment during the draw period is equal to the finance charges (interest) that accrued on the outstanding balance during the preceding billing period. Third-party closing cost are applicable and range from $700.00 to $2,500.00, depending on the loan amount and lien position. No Annual or Advanced Fees charged on HELOCs. All loans listed are available on primary member residences (single-family, owner-occupied detached dwellings, condos, or townhouses). Some restrictions may apply. Rates are subject to change without notice. Loans issued subject to credit review.
3To earn 2.50% APY, member must have a qualifying Smart Checking Account, opened August 1, 2024 and after. Based on a combined rate of 2.472%. All accounts must be in good standing with no delinquency or bankruptcy pending. Qualifying Smart Checking Accounts will earn 2.50% APY in dividends on balances up to $25,000. Balances above $25,000 will be paid at the regular checking rate.
Qualifying Smart Checking Accounts are defined as being enrolled in eStatements and having a direct deposit to the Smart Checking Account of at least $1,000 aggregated monthly. If the requirements are not met, then no dividend is earned. Secondary Smart 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 Smart Checking Account. Fees could reduce the earnings on the account. APY is accurate as of the last dividend declaration date. Rate subject to change after account opening and may vary based on qualifications met at month end. Not valid with any other offers. No minimum balance is required. 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 Smart Checking Account. All accounts are subject to approval. For other details regarding this account, you can reference your account disclosures, which detail all other terms and conditions.
4One recipient will be awarded $5,000 for each available scholarship category, regardless of education level, for a total of three scholarships and $15,000 awarded. Awards will be paid directly to the recipients' schools. University Credit Union must receive the completed application, transcripts, and essay no later than February 23, 2026. All submitted applications will be reviewed for compliance with application requirements by University Credit Union's Scholarship Committee. The essays will be judged on quality, originality, and content. The winners will be notified by email and will be awarded at University Credit Union's 2026 Annual Meeting. Winners do not need to attend the annual meeting in order to claim the prize. Odds of winning depend on number of entries received in each of the 3 categories. Winner must agree to transcript verification and agree to let UCU use their name and likeness in future marketing. Prize will be awarded on or before June 30, 2026.