Beware of scams! UCU will never call and ask for sensitive information. If you're ever unsure who you're speaking with, hang up immediately and call us at 800.UCU.4510.
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:
• Checking accounts 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
Earn up to 5.00% APY* with University Checking.
University Credit Union's University Checking offers a strong rate, minimal fees, and a suite of premier features designed to maximize your financial advantage.
- Earn up to 5.00% APY in dividends with eStatements and additional loan products with UCU
- No monthly services, no minimum balance requirement, and no overdraft fees
- Free ATM access on campus & 30,000+ CO-OP ATMs nationwide
- Get paid up to two days early1 with direct deposit
- Enjoy peace of mind and easier money management with overdraft line of credit
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.
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.
Spending is better with a UCU Rewards Credit Card.
Earn points for every dollar you spend on your UCU Rewards Credit Card, with no limits. Then easily redeem those points for rewards you'll actually use and enjoy!
- No annual fee
- Earn 2 points for every $1 spent on all purchases2
- There is no limit on the rewards you can earn
- Redeem points for travel, gift cards, merchandise, Mastercard® prepaid cards, eCertificates, and more
- Experience enhanced security benefits and features powered by Mastercard®
Banking on your terms.
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.
*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.
1Early 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.
2Rewards Credit Card offers a generous 2 points per dollar spent on net new purchases (purchases less any credits, returns, disputed billing items, and adjustments). Cash advances, balance transfers, fees, finance charges, checks, or other transactions that we determine not to be eligible used to access your account will not earn rewards points. Not all members will qualify. There is no limit on the rewards points you can earn each month. Any determination of qualifying transactions and exceptions for rewards points is at the sole discretion of UCU. UCU reserves the right to verify and adjust rewards points at any time prior to or following point posting and redemption. Points are not earned until they appear on the billing statement. If the Rewards Credit Card account is closed, all points not redeemed will be lost. Rewards points are not transferable. UCU may change or terminate the Rewards Program at the credit union's discretion at any time, with or without prior notice except where required by law.