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Become part of UCU - Los Angeles, California, United States

Become part of UCU

We are University Credit Union, a people-first financial co-operative committed to giving our member-owners a financial advantage. Founded by and for university employees, we have grown from a local initiative to a nationwide network that serves students, alumni, staff, faculty, and their families.
At University Credit Union, we focus on exceptional service, innovative banking solutions, competitive rates, and personalized financial guidance to help you achieve your goals. Open an account with University Credit Union and join our growing network of member-owners. 
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Benefits of UCU - Los Angeles, California, United States

Benefits of UCU

Your financial advantage starts here. At University Credit Union, we understand the importance of selecting the right banking partner. That is why we offer top-tier loans and savings options, personalized guidance from certified experts, and exclusive member-owner benefits - all designed to help you achieve your financial goals.

  • Our Best Rates in the Nation Guarantee* 
  • Up to 5.00% APY1 on your University Checking Account 
  •  UCU credit and debit cards 
  • Access to more than 30,000 fee-free CO-OP ATMs and 5,600 shared branches nationwide 
  • Our AI-powered virtual assistant, Royce, is ready to assist 24/7

Our university partners

Since our founding, we have expanded our network of member-owners to include university campuses and alumni communities across the country. Explore our list of collegiate partners:
  • University Communities about University Communities

    University Credit Union is an innovative, vibrant, member-owned financial co-operative committed to giving all our member-owners a financial advantage. 

     

    Students, faculty, staff, alumni, and their families of any college or university partner, the West Coast Conference, The Big West, Western Athletic Conference, or Southland Conference are eligible for UCU membership. If you or a family member attend or serve a relevant university, check your eligibility and join us today. 

  • University Community Impact about University Community Impact
    At UCU, we're not just about banking; we're about empowering member-owners with financial confidence to achieve their goals. That is why UCU engages in meaningful initiatives such as scholarship opportunities, philanthropic contributions, and community-focused programming.

Frequently asked questions

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Bank smart, save big

Calculators

UCU offers a powerful selection of financial tools and resources, including calculators, in-depth guides, and an insightful blog. Additionally, our educational modules are designed to teach member-owners about budgeting best practices, home loans, retirement savings, and much more.
Learn more about Calculators
Learn more about your finances.

Learning Center

Explore our financial resources center and discover easy-to-use, interactive, and dynamic learning tools that will help expand your money management know-how.
Learn more about Learning Center
Fee Schedule

Fee Schedule

We're committed to total transparency regarding our fees for general member-owners and business account holders.
Learn more about Fee Schedule

*UCU guarantees that our lowest loan rates 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. 

 

1APY = Annual Percentage Yield. To earn up to 5.00% APY, members 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. 

University Checking Account

Our University Checking Account is a high-yield checking opportunity with no monthly fees or overdraft fees. When you meet specific requirements, you can earn up to 5.00% APY* on your checking balance.
Learn more about University Checking Account

Student Loans

Whether you need to supplement your college savings or fill gaps in federal funding, our student loan program can help you stay on track and achieve your goals.
Learn more about Student Loans

Find a location near you

You're covered from coast to coast with 30,000 surcharge free CO-OP ATMs and 5,000+ shared branches
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