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Member Benefits - Los Angeles, California, United States

Member benefits

Earn dividends with a high-yield checking account and save even more money with our Best Rates in the Nation Guarantee* for the banking you already do!
Benefits - Los Angeles, California, United States

Spend smarter with a high-yield checking account

  • Best Rates in the Nation Guarantee*:
    UCU guarantees our University Credit Card rate is in the lowest 5% nationwide.
  • Stress-free banking:
    UCU's checking accounts come with no monthly fees and no overdraft fees.
  • Accepted worldwide:
    Use your card at any retailer that accepts Mastercard® no matter where your travels may take you.

Earn while you spend

Bank better with a checking account that will earn you dividends on your checking balance.
Open an account Learn more about Earn while you spend
  • Earn up to 3.00% APY1 with a Smart Checking Account.
  • Earn up to 5.00% APY2 with a University Checking Account.

Relevant resources

Calculators

Calculators

The more you know, the better prepared you are to make great choices for yourself and your family. 
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Learning Center

Learning center

Gain a wealth of knowledge on subjects such as 529 plans, college financing, mortgages, and estate planning.
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Forms

From membership and loan applications to direct deposit and stop payments, our forms are conveniently available online. 
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"After my car was totaled a week ago I was extremely surprised to find I could get a new car for almost the same price. Now I have a new car almost 1 week after losing my old car and I couldn't be happier!"

– Shayla Y.

"I've been with this credit union for over ten years. Great service, great people. I got my kids to join. I highly recommend it."

– Hampton C.

    *UCU 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. 

     

    1APY = Annual Percentage Yield. To earn 3.00% APY, member must have a qualifying Smart Checking Account, opened August 1, 2024 and after. Based on a combined rate of 2.96%. All accounts must be in good standing with no delinquency or bankruptcy pending. Qualifying Smart Checking Accounts will earn 3.00% 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. 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. 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.

     

    2APY = 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.

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