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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.
Boost your savings with our Premier Savings Suite.
Lock and Roll Certificate
3.75% APY* 24-month
Elite Earnings Certificate
4.00% 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 introductory HELOC rate.
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 2.25% APY² 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 2.25% APY. It's a no brainer.
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.
Built for the members who built us.
Diamond Anniversary Certificate
3.75% APY3 5-month
A special certificate to say "thank you" for 75 years.
Already a UCU member? To take advantage of this awesome opportunity, please contact us at 800.UCU.4510.
Grow your savings with a Money Market Account.
Money Market Plus
Earn up to 3.25% APY4
Money Market Advantage
Earn up to 2.00% APY5
Find your perfect fit. Money Market Plus rewards you with higher rates on larger balances6, or Money Market Advantage delivers strong rates on lower balances that makes it easier to grow savings from day one.
Already a UCU member? To take advantage of this awesome opportunity, please contact us at 800.UCU.4510.
When rates rise, you can too.
Bump-Up Certificate
3.50% APY7 24-month
Our special Bump-Up Certificate gives you a one-time opportunity to move to a higher certificate rate during your term. So if rates rise, your earnings can too.
Already a UCU member? To take advantage of this awesome opportunity, please contact us at 800.UCU.4510.
Enter the Higher Earning Sweepstakes.
You could turn everyday banking into $2,500.8
Whether you're a student, parent, faculty member, or staff member, UCU can help you build stronger financial habits for whatever comes next. Use your debit card and earn entries for a chance to win!
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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 3.75% APY based on dividend rate of 3.687%. Promotional rate in effect as of December 8, 2025. Special Promotional certificate will renew as a 24-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.
1APY = Annual Percentage Yield. Special promo rate is 4.00% APY based on dividend rate of 3.928% 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 September 16, 2026. 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.
2To earn 2.25% APY, member must have a qualifying Smart Checking Account, opened August 1, 2024 and after. Based on a combined rate of 2.227%. All accounts must be in good standing with no delinquency or bankruptcy pending. Qualifying Smart Checking Accounts will earn 2.25% 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.
3APY = Annual Percentage Yield. Special promo rate is 3.75% APY based on dividend rate of 3.687%. Promotional rate in effect as of September 16, 2026. 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. Available to new and existing University Credit Union members whose accounts are in good standing under UCU policies.
4APY = Annual Percentage Yield. Rates effective 08/01/2026 and subject to change before or after account opening without notice. Money Market Plus is a variable-rate account. Rates vary by balance tier, apply to the entire account balance, and are contingent upon meeting the checking account requirements described below. Rates are accurate as of the last dividend declaration date.
5APY = Annual Percentage Yield. Rates effective 08/01/2026 and subject to change before or after account opening without notice. Money Market Advantage is a variable-rate account. Rates vary by balance tier, apply to the entire account balance, and are accurate as of the last dividend declaration date.
6Minimum opening deposit is $1,000. Fees may reduce earnings. Dividends are calculated daily, compounded monthly, and paid monthly.
7APY = Annual Percentage Yield. The Annual Percentage Yield (APY) is 3.50%, and the Dividend Rate is 3.445%. The disclosed APY and Dividend Rate are accurate as of August 1, 2026. Rates offered on new certificates may change at any time. Once opened, the certificate's Dividend Rate and APY will remain fixed until maturity unless the member exercises the one-time Bump-Up feature. The APY assumes dividends remain on deposit until maturity. Dividends are compounded and credited monthly. Minimum balance to open certificate is $500. The certificate has a 24-month term. No additional deposits are permitted after the account is opened. This Bump-Up Certificate allows the member to request a one-time increase to the account’s Dividend Rate and corresponding APY during the original 24-month term. The member must request the rate increase. The rate increase is not automatic. Upon receipt of an eligible member request, the Dividend Rate and corresponding APY will be increased to the Dividend Rate and APY then in effect for the credit union's 24‑month published certificate. The adjusted rate and APY will apply only from the effective date of the rate increase forward. The adjusted rate and APY will not apply retroactively to dividends previously earned. The certificate’s original maturity date will not change as a result of exercising the Bump-Up feature. One-time rate increase available beginning on the 11th calendar day after account opening and prior to maturity. The account is subject to the credit union’s standard early withdrawal penalties. A penalty may be imposed for withdrawals before maturity. Early withdrawal penalties may reduce earnings on the account. Membership eligibility required.
8NO PURCHASE NECESSARY. Sweepstakes open only to eligible U.S. residents age 18 or older who qualify for membership and open a qualifying University Credit Union account during the promotion period. Eligible participants will receive one (1) entry for each qualifying debit card transaction of $5.00 or more. Void where prohibited. Promotion begins September 10, 2026 and ends November 30, 2026. Odds of winning depend on the number of eligible entries received. Four winners will each receive a prize package and $500 cash. One of the four winners will also receive an additional $2,000 grand prize. See Official Rules for complete eligibility requirements, entry methods, prize details, restrictions, and free alternate method of entry.