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Banking That Feels Right at Home in Abilene.
We are proud to serve Abilene Christian University students, faculty, staff, alumni, and their families with personalized banking designed for life in West Texas. As a not-for-profit credit union, we reinvest earnings back into our members through better rates, lower fees, and tailored service—not shareholder profits. From the Wildcat Stadium to downtown Abilene, we’re rooted in this community and committed to helping every Wildcat thrive, on and off campus.
What We Offer the ACU Community:
• Smart Checking with no monthly fees and nationwide ATM access
• Auto, home, student, and personal loans
• Investment and retirement planning with Certified Credit Union Financial Counselors (CCUFCs)
• Financial education and one-on-one guidance for all members
The Wildcat Loan
Whether you're consolidating debt, funding a big purchase, or covering life's unexpected costs, the Wildcat Loan is designed with ACU in mind; with low rates, flexible terms, and service that puts Wildcats first. Don't just borrow, bank with confidence.
ACU Banking Hub
Certified Credit Union Financial Counselors (CCUFC) are available virtually as well as on-campus to help students, faculty, and staff navigate financial questions and concerns. Book an appointment, today, for a free coaching session with a dedicated financial expert.
The UCU Banking Hub is located on-campus at 701 College Dr, Abilene, TX 79601.
Earn 37x the national average* in dividends
University Credit Union's Smart Checking offers a strong rate, minimal fees, and a suite of premier features designed to maximize your financial advantage.
- Up to 3.00%1 APY
- No overdraft fees, no monthly fees, and no minimum balance requirement
- Free ATM access on campus & 30,000+ CO-OP ATMs nationwide
- Get paid early with direct deposit2
Bank smarter, not harder
UCU's digital banking platform makes on-the-go banking possible, with seamless and secure financial management from wherever you are. Our suite of digital banking solutions is designed to enhance your financial well-being. From your phone, tablet, or computer, effortlessly manage your accounts, transfer funds, pay bills, and explore powerful tools that will enable you to reach your financial goals.
Digital banking
Top-tier digital banking services including mobile check deposit, Bill Pay, UCU card manager, customizable alerts, and much more are only a few taps away with UCU's top-rated mobile banking app.
Digital banking
Mobile wallet
Experience spending that is seamless, convenient, and secure when you add your UCU debit card to your mobile wallet. Pay at the register, order ahead or checkout without taking out your card.
Mobile wallet
Meet Royce
Royce is an AI (artificial intelligence) powered digital assistant that can answer questions, help you find resources on our website, provide account information, facilitate transactions, and more.
Meet Royce
Open an account today
Open a University Checking, Smart Checking, High Yield Savings account, and even a limited-time certificate in a matter of minutes using UCU's virtual application.
*The national average of 0.08% and other competitor information, based on comparable deposit products listed by the FDIC as of 12/06/2024. Rates subject to change. We make every effort to maintain accurate information. However, all high-yield checking information is presented without warranty. High-yield checking promotions and offerings vary.
1APY = Annual Percentage Yield. To earn 3.00% APY, member must have a qualifying Smart Checking Account. 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. 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.
2Early access to direct deposit funds is dependent on the timing of the submission of the payment file from the payer. Generally, these funds are available on the day the payment file is received, which may be between two and six days earlier than the scheduled payment date.