General Membership Fee Schedule
Service | Fee |
---|---|
Bad Address | $10.00/item returned |
Check by Phone | $10.00 |
Card Return Fee | $5.00/item |
Check Cashing (non-member for on-us checks) | $10.00/ea |
Close Account (within 6 months) | $25.00/membership account |
Close Account (over 6 months) | $5.00/membership account |
Credit Card Paper Statements | $2.00/month |
Escheatment | $2.00/notice |
Domestic Wire Transfer
| FREE $25.00/ea $10.00 |
Foreign Wire Transfer
| FREE $66.00/ea $35.00 |
Foreign Check Processing Fee | $55.00/ea |
Inactive Account (waived for members under 18, inapplicable to savings accounts) | $10.00/mo |
Insufficient Funds/Uncollected Funds (per presentment of items returned unpaid due to insufficient funds) | $30.00/ea |
Invalid Email for eStatements | $5.00/month |
Legal, Levy, or Garnishment Processing | $50.00/ea |
Money Orders | $3.00/ea |
Negative Balance (fee assessed every 10 days thereafter until balance is positive) | $10.00 |
Notary Service (free for UCU documents) | $15.00/ea sig |
Official Check | $5.00/ea |
Official Check Stop Payment, Renewal, Release or Replacement | $30.00/ea |
Overnight Delivery | Pass thru + $5.00 |
Reporting Correction to IRS Due to Incorrect SSN/TIN | $50.00/ea |
Self-to-Self Returned Item | $50.00/ea |
Skip a Pay | $30.00 |
Verification of Deposit to Non-UCU Loans | $10.00/ea |
Service | Fee |
---|---|
Account Reconciliation and Research | $40.00/hr |
Copy of Deposited Check, Cashiers Check, Paid Check, or Money Order (if available) | $10.00/ea |
Copy of Statements or Transaction History | $1.00/pg |
Service | Fee |
---|---|
University Checking Account | No monthly fee |
ACH/Check Stop Payment, Renewal, Release | $30.00/ea |
Check Printing | Varies |
Insufficient Funds/Uncollected Funds (per presentment of items returned unpaid due to insufficient funds) | $30.00/ea |
Overdraft Transfer from Savings (Account transfer fee) | FREE |
Temporary Checks (one set free for New Accounts) | $5.00/pg |
Service | Fee |
---|---|
IRA Outgoing Account Transfer Fee | $100.00/ea |
Service | Fee |
---|---|
ATM Transactions at UCU or CO-OP Network ATMs | FREE |
ATM Transactions - Non CO-OP Network ATMs (Up to $25 per month reimbursed with a University Checking Account) | $2.00/ea |
Card Replacement (one free per year) | $15.00/ea |
Card Rush Order | $50.00/ea |
Service | Fee |
---|---|
Returned CO-OP Check Fee | $2.00 |
Shared Branch Transactions (at any CO-OP Shared Branch location) | FREE |
Business Accounts Fee Schedule
SERVICE | FEE |
---|---|
Bad Address | $5.00/quarterly |
Check by Phone | $5.00 |
Cash Services for coin (over $200.00 per month) | 10% of deposit |
Check Cashing (non-member for on-us checks) | $5.00/ea |
Close Account (within 6 months) | $15.00 |
Escheatment | $2.00/notice |
Domestic Wire Transfer
| FREE $20.00/ea $10.00 |
Foreign Wire Transfer
| FREE $66.00/ea $35.00 |
Foreign Check Processing Fee | $55.00/ea |
Inactive Account (waived for members under 18, inapplicable to savings accounts) | $10.00/mo |
Insufficient Funds/Uncollected Funds (per presentment of items returned unpaid due to insufficient funds) | $30.00/ea |
Legal, Levy, or Garnishment Processing | $50.00/ea |
Money Orders | $3.00/ea |
Negative Balance (fee assessed every 10 days thereafter until balance is positive) | $10.00 |
Notary Service (free for UCU documents) | $15.00/ea sig |
Official Check | $5.00/ea |
Official Check Stop Payment, Renewal, Release or Replacement | $30.00/ea |
Overnight Delivery | Pass thru + $5.00 |
Reporting Correction to IRS Due to Incorrect SSN/TIN | $50.00/ea |
Returned Deposited Item | $20.00/ea |
Self-to-Self Returned Item | $50.00/ea |
Verification of Deposit to Non-UCU Loans | $10.00/ea |
SERVICE | FEE |
---|---|
Account Reconciliation and Research | $40.00/hr |
Copy of Deposited Check, Cashiers Check, Paid Check, or Money Order (if available) | $10.00/ea |
Copy of Statements or Transaction History | $1.00/pg |
SERVICE | FEE |
---|---|
ATM Transactions at UCU or CO-OP Network ATMs | FREE |
ATM Transactions - Non CO-OP Network ATMs (Up to $25 per month reimbursed with a University Checking Account) | $2.00/ea |
Card Replacement (one free per year) | $15.00/ea |
PIN / Card Rush Order | $50.00/ea |
PIN Replacement | FREE |
SERVICE | FEE |
---|---|
Returned CO-OP Check Fee | $2.00 |
Shared Branch Transactions (at any CO-OP Shared Branch location) | FREE |
SERVICE | FEE |
---|---|
ACH/Check Stop Payment, Renewal, Release | $30.00/ea |
Check Printing | Varies |
Insufficient Funds/Uncollected Funds (per presentment of items returned unpaid due to insufficient funds) | $30.00/ea |
Overdraft Transfer from Savings (Account transfer fee) | FREE |
Temporary Checks (one set free for New Accounts) | $5.00/pg |
Core Business Checking | |
Monthly Maintenance | $10.00 |
Waiver Requirements | $1,500.00 min average daily balance or eStatements |
Transaction Threshold | 150 transactions included per month and $0.40 per transaction thereafter |
Cash Deposits | $3,000 limit per month. Each deposit over limit will be charged $0.30 per $100 |
Premier Business Checking | |
Monthly Maintenance | $25.00 |
Waiver Requirements | $10,000.00 min average daily balance |
Transaction Threshold | 300 transactions included per month and $0.40 per transaction thereafter |
Cash Deposits | $15,000 limit per month. Each deposit over limit will be charged $0.30 per $100 |
Relevant resources
Calculators
Learning center
Forms
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.
1APY = 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.
2APR = Annual Percentage Rate. Rates stated available on approved credit and may be different as determined by the individual creditworthiness of each applicant. The maximum annual percentage rate for a UCU Credit Card is 23.99% APR. Rates current as of September 19, 2024, and are subject to change based on market conditions and borrower eligibility.