Special offers

*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.

¹Special promo rate is 3.75% APY based on dividend rate of 3.687% 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 December 8, 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 12/11/2025 is 6.75%. Corresponding variable APRs range from 6.25% to 17.74%. 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 2.25% 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.

⁴Special promo rate is 4.00% APY based on dividend rate of 3.928%. Promotional rate in effect as of March 2, 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. Maximum deposit is $7,500.

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.

To be eligible, must be a new or existing University Credit Union member who is in good standing and who maintains either an active loan or an active checking account. An active loan includes any current term loan with an outstanding balance, any credit card with an outstanding balance or with at least one posted transaction within the preceding thirty days, and any home equity line of credit (HELOC) with an outstanding balance or with at least one posted transaction within the preceding thirty days. An active checking account is defined as a checking account with at least one posted transaction within the preceding thirty days. Only one Diamond Anniversary Certificate may be opened per primary membership, and the product is not available to joint members unless they qualify under their own primary membership. Eligibility is limited to primary members whose account classifications are 0000 General Membership, 0002 Employee, 0003 Board of Directors, or 0006 Revocable Trust. All other account types are not eligible to open a Diamond Anniversary Certificate. Traditional or Roth IRA certificates will not be eligible to be opened under this promotion.

⁵APY = 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.

⁶APY = 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.

⁷Minimum opening deposit is $1,000. Fees may reduce earnings. Dividends are calculated daily, compounded monthly, and paid monthly.

⁸APY = 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.