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University Share Secured Credit Card

University Share Secured Credit Card

Create, build, and improve your credit history with a share secured credit card from University Credit Union, and be prepared for major life events.

University Share Secured Credit Card benefits

University Share Secured Credit Card benefits:

  • Competitive fixed annual percentage rate (APR)
  • No annual or foreign transaction fees*
  • No over the limit fees
  • Credit score growth with regular, on-time payments
  • Savings deposits continue to earn interest while being used as collateral

Building or rebuilding your credit score made easy!

If you're building your credit history, your card can get you started. You can help build or rebuild your credit by making use of your card's exceptional buying power and making steady payments.

University Share Secured Credit Card rates

Rate type

APR1 as low as Annual fee Best for
Fixed
-
$0
Individuals who are trying to build or rebuild their credit.
Earn up to 5.00% APY2

Earn up to 5.00% APY2

Having both a University Share Secured Credit Card and a University Checking Account helps you earn up to 5.00% APY for the banking you already do!
Learn more about Earn up to 5.00% APY<sup>2</sup>

Frequently asked questions

Resources from University Credit Union

Learning center

Learning center

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Financial wellness

Financial wellness

Boost your financial assets to earn more. Apply our suite of financial wellness resources.
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Score enhancement

Score enhancement

Elevate your credit score with our tailored tools and personalized guidance. New opportunities are around the corner!
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I had an AMAZING experience with UCU. Start to finish they made my loan so easy, I was able to get a great interest rate and the process was super fast and convenient!

– Rebecca B.

UCU has helped me finance all the cars I have owned throughout my life. They treat me like family.

– Glenn A.

    Giving our University Communities a financial advantage
    University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, The Big West Universities, Western Athletic Conference Universities, Southland Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.

    *UCU does not charge any annual fee for the University Share Secured Credit Card. The University Share Secure Credit Card has a fee of 2% of the amount of each cash advance (or a minimum of $3, whichever is greater). Penalty fees: Late payments are $10 each and return payments are $20 each. There are no over the credit limit fees. Rates are subject to change without notice. Loan issued subject to credit review. 

      

    1 APR = Annual Percentage Rate 

     

    2 APY = 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. Contact UCU for complete details. Federally insured by NCUA. 

    Cash Back Credit Card

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    Rewards Credit Card

    Make shopping more fun by earning while you spend.
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