Holiday closing reminder: UCU locations will be closed Tuesday, November 11 for Veterans Day.
Proud banking partner of the Pepperdine community
University Credit Union is the official financial services institution of Pepperdine Athletics. Our mission is to help Pepperdine faculty and staff realize their financial advantage through unbiased expertise, unparalleled service, and our Best Rates in the Nation Guarantee*.
At University Credit Union, we believe your money should work for you
No matter what your current financial situation is, we’re here to help you increase your income, reduce expenses, and build a stronger financial future.
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Better rates
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Fewer fees
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Personalized financial solutions
Your Membership = Real Savings
Over $18 million provided in direct financial benefits to members like you1
In just the last year UCU helped members save on loans, earn more on deposits, and keep more money in their pockets.
That’s an average of $347 per member or $730 per household in savings.2
Reduce expenses with smarter lending solutions
If you’re looking to consolidate debt, refinance your car, or tap into your home’s equity, UCU offers low rates and flexible terms to help you cut costs and gain financial peace of mind.
But the best part? The more you engage, the more you save.
Members who take advantage of our full range of financial solutions often save over $1,000 per year3—just by banking smarter.
Balance Transfers
Move high-interest debt to a lower-rate UCU credit card.
HELOC (Home Equity Line of Credit)
Use your home’s equity to fund big expenses.
HELOC (Home Equity Line of Credit)
Consolidation Loans
Simplify payments and reduce high-interest debt.
Consolidation Loans
Overdraft Line of Credit
Extra financial flexibility when you need it.
Overdraft Line of Credit
Official financial services institution of Pepperdine Athletics
Spend with pride using the Official Waves Debit Card and Official Waves Rewards Credit Card — coming soon!
Official financial services institution of Pepperdine Athletics
Increase your income & build wealth
Increase your income, decrease your spending. At UCU, we make it easier with:
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Fewer fees, more rewards
Smart Checking about Fewer fees, more rewards -
Better returns than traditional banks
Higher-Yield Savings about Better returns than traditional banks -
The lowest rates or we’ll match them
Best Rates in the Nation Guarantee about The lowest rates or we’ll match them
Make it official!
Bank with Pepperdine Athletics pride when you pay with the official Waves Cash Back credit card — only from University Credit Union!
- No annual fee or foreign transaction fees
- 3% cash back5 for the first 6 months, and 1.5% cash back after that
- No restrictions on how much you can earn
- Experience enhanced security benefits and features powered by Mastercard®
- 10% discount to cardholders for all Center for the Arts presentations using promo code UCU.
- Discount tickets to cardholders for select Pepperdine games with promo code UCUWAVES.
Expert advice to optimize your finances
An unparalleled 93% of our team are registered Certified Credit Union Financial Counselors (CCUFC).
This means when you're speaking with someone at UCU, you're speaking with a financial expert that has your best interests in mind to set you up on a path of financial empowerment.
Take the next step toward financial success
Lower rates, smarter lending options.
Personalized financial guidance.
Start earning more today.
Ready to maximize your UCU benefits?
At UCU, we don’t just offer financial products, we offer a better way to bank. The more you take advantage of your membership, the more you’ll save. It’s time to Empower YOU.
*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.
1UCU partnered with a third party, America’s Credit Unions, to conduct this research by comparing market rates using financial data collected during the twelve months ending December 2023. America’s Credit Unions estimates that University CU provided $18,095,696 in direct financial benefits to its 52,083 members during this time.
2This estimation assumes 2.1 credit union members per household.
3This estimation is based on members who are assumed to have a $30,000, 60-month new auto loan, a classic credit card with an average balance of $5,000, a $200,000, 30-year fixed rate mortgage (a 30-year fixed rate mortgage is replaced with a 5-year adjustable rate mortgage if it yields a greater benefit as it is assumed more in demand), $5,000 in an interest-bearing checking account, $10,000 in a one-year certificate account, and $2,500 in a money market account. America's Credit Unions estimates that University CU provided loyal high-use member households $1,030 in direct financial benefits during the twelve month period ending December 2023.
4According to research by American’s Credit Unions, when financing a $30,000 new automobile for 60 months at University CU, members will save an average $293 per year in interest expense compared to what they would pay at a banking institution in the state. That’s approximately $1,465 in savings over 5 years.
5Cash Back Credit Cards in good standing will automatically earn 1.5% cash back on net purchases (purchases less any credits, returns and adjustments). Cash advances and balance transfers will not earn rewards. Cash back rewards will be deposited to the member's primary checking account on the first of the month. A checking account and enrollment in eStatements are required to qualify for cash back rewards. If the monthly amount of cash back earned is negative, the negative amount will carry over and be deducted from future cash back rewards. The 3% cash back promotional offer is available on new credit card loans only. Members will earn 3% cash back on all net purchases made within the first 6 months of opening a Cash Back Credit Card or until a total of $10,000 in combined purchases is reached, whichever occurs first. After the promotional offer expires, all net purchases will earn 1.5% cash back. There is no maximum amount of cash back rewards that can be earned on net purchases at the standard rate.