Rates
Savings
| Account Name | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield (APY*) |
|---|---|---|---|
| Regular Savings1 | $25 | 0.150% | 0.150% |
| High Yield Savings2 | $2,500 | 3.9285% | 4.000% |
- Disclosure +
*APY = Annual Percentage Yield.
1A $25 minimum share savings balance is required to earn dividends. Rates subject to change without notice.
2APY is accurate as of 10/1/24 and subject to change or end at any time. Dividend rate is 3.9285%. Minimum opening deposit is $5. Minimum balance required to earn APY is $2,500.00. The High Yield Savings Account is a tiered rate account. 0% APY for a balance less than $2,500.00 and 4.00% APY for balances $2,500.00 and more. The APY for each balance tier is variable and is subject to change after the account is opened. High Yield Savings Account is only available for new money deposited to UCU. New money is money not currently or previously held in a UCU account.
Checking
| Account Type | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield (APY*) |
|---|---|---|---|
| University Checking Account | Balances up to the first $25,000 (Must have a minimum of 25 qualifying transactions and eStatements to earn dividends) | 0.995-4.880% | 1.000-5.000%1 |
| Smart Checking Account | No minimum, balances up to the first $25,000 (Must set up a recurring direct deposit of at least $1,000 aggregated monthly and eStatements to earn dividends) | 2.960% | 3.000%2 |
| University Checking Account & Smart Checking Account | Additional balances above $25,000 | 0.050% | 0.050% |
- Disclosure +
*APY = Annual Percentage Yield. Rates subject to change without notice.
1To 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.
2To earn 3.00% APY, member must have a qualifying Smart Checking Account, opened August 1, 2024 and after. 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. No minimum balance is required. 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. For other details regarding this account, you can reference your account disclosures, which detail all other terms and conditions.
Money Market Rates
| Minimum Balance To Earn Dividends | Dividend Rate | Annual Percentage Yield (APY*) |
|---|---|---|
| $2,500 | 1.144% | 1.150% |
| $10,000 | 1.144% | 1.150% |
| $25,000 | 1.144% | 1.150% |
| $100,000 | 1.342% | 1.350% |
- Disclosure + *APY = Annual Percentage Yield. Rates are subject to change without notice. $2,500 minimum balance required to earn dividends.
Certificate Rates
| Account Type | Minimum Balance To Earn Dividends | Dividend Rate | Annual Percentage Yield (APY*) |
|---|---|---|---|
| 6-Month | $500 | 1.785% | 1.800% |
| 12-Month | $500 | 1.933% | 1.950% |
| 24-Month | $500 | 1.687% | 1.700% |
| 36-Month | $500 | 1.687% | 1.700% |
| 48-Month | $500 | 1.687% | 1.700% |
| 60-Month | $500 | 1.687% | 1.700% |
- Disclosure + *APY = Annual Percentage Yield. Rates subject to change without notice.
IRA Certificate Rates
| Account Type | Minimum Balance To Earn Dividends | Dividend Rate | Annual Percentage Yield (APY*) |
|---|---|---|---|
| 6-Month | $500 | 1.687% | 1.700% |
| 12-Month | $500 | 1.884% | 1.900% |
| 24-Month | $500 | 1.638% | 1.650% |
| 36-Month | $500 | 1.638% | 1.650% |
| 48-Month | $500 | 1.638% | 1.650% |
| 60-Month | $500 | 1.638% | 1.650% |
- Disclosure + *APY = Annual Percentage Yield. Rates subject to change without notice.
Auto Loan Rates
| Vehicle type | APR* as Low As | Minimum loan amount | Term in Months | Estimated payment per $1,000 |
|---|---|---|---|---|
| New and Used Auto (2017 or newer) | 5.24% | $7,500.00 | 36 | $30.08 |
| Blank | 5.49% | $10,000.00 | 60 | $19.10 |
| Blank | 6.99% | $20,000.00 | 72 | $17.04 |
| Blank | 8.49% | $35,000.00 | 84 | $15.83 |
| First Time Auto Buyer (2017 or newer) | 8.24% | $7,500.00 | 36 | $31.45 |
| Blank | 9.74% | $10,000.00 | 60 | $21.12 |
| Blank | 9.99% | $20,000.00 | 72 | $18.52 |
| Motorcycle | 11.49% | $7,500.00 | 36 | $32.97 |
| Blank | 12.99% | $10,000.00 | 60 | $22.75 |
| Blank | 13.24% | $25,000.00 | 72 | $20.20 |
- Disclosure +
*APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount (Repeat Borrower discount of 0.25% is based on minimum 6 months of positive UCU loan repayment history.). Rates are higher for LTV over 70% and/or terms greater than 36 months. Rate applies to vehicle models 2017 and newer.
RV Loan Rates
| Vehicle Type | APR* as Low As | Minimum Loan Amount | Term in Months |
|---|---|---|---|
| New & Used RVs, ATVs, & Travel Trailers | 11.49% | $7,500.00 | Up to 36 |
| Blank | 12.99% | $10,000.00 | 60 |
| Blank | 13.24% | $15,000.00 | 72 |
| Blank | 13.49% | $25,000.00 | 84 |
| Blank | 13.74% | $50,000.00 | 96 |
| Blank | 13.99% | $50,000.00 | 120 |
| Blank | 14.24% | $100,000.00 | 180 |
- Disclosure + *APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount (Repeat Borrower discount of 0.25% is based on minimum 6 months of positive UCU loan repayment history.). Rates are higher for LTV over 70% and/or terms greater than 36 months.
Credit Cards
| Credit Card | Annual Percentage Rate (APR*) |
|---|---|
| Cash Back Credit Card | 17.24% |
| Rewards Credit Card | 15.24% |
| University Credit Card | 12.24% |
- Disclosure + *APR = 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 November 8, 2024, and are subject to change based on market conditions and borrower eligibility.
Personal Loans
| Loan Type | APR* as low as | Minimum Loan Amount | Terms | Estimated Payment per $1,000 |
|---|---|---|---|---|
| Personal Loans | 9.74% | $500 | 6-month | $171.431 |
| Blank | 10.49% | $5,000 | 48-month | $25.06 |
| Blank | 11.24% | $10,000 | 60-month | $21.86 |
- Disclosure +
*APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, as applicable) and may be higher than the lowest rates advertised.
1This payment example is for a $500 loan at 9.74% APR, paid over a 6-month term. All other payment examples are estimates per $1000.
Personal Line of Credit
| Loan Type | APR* as low as |
|---|---|
| Personal Line of Credit | 15.69% |
- Disclosure +
*APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your personal line of credit and may be higher than the lowest rates advertised. Rate may change based on the index which is the Prime Rate as regularly published in the "Money Rates Table" of the Wall Street Journal. The current index for this quarter as of 11/8/2024 is 7.75%.
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.