Savings Rates
Build a rock-solid foundation. As a not-for-profit credit union, we're committed to providing higher savings rates than many competitor banks.
Click on Close
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.
Savings
Account
Minimum Balance To Earn Dividend
Dividend Rate
Annual Percentage Yield (APY*)
High Yield Savings1
$2,500
2.716%
2.75%
Regular Savings
$25
0.150%
0.15%
- Disclosure + -
Rates current as of January 1, 2026. Rates subject to change without notice.
Business Savings
Account
Minimum Balance To Earn Dividends
Dividend Rate
Annual Percentage Yield (APY)*
Business Share2
$25
0.150%
0.15%
- Disclosure + -
Rates current as of February 18, 2026. Rates subject to change without notice.
Relevant resources
Calculators
The more you know, the better prepared you are to make great choices for yourself and your family.
Learn more More about Calculators 
Learning center
Gain a wealth of knowledge on subjects such as 529 plans, college financing, mortgages, and estate planning.
Learn more More about Learning center 
Forms
From membership and loan applications to direct deposit and stop payments, our forms are conveniently available online.
Learn more More about Forms Giving our University Communities a financial advantage
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, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic 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.
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, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic 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.
*APY = Annual Percentage Yield.
1APY is accurate as of 1/1/2026 and subject to change or end at any time. Dividend rate is 2.716%. 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 2.75% 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.
2A $5 minimum balance is required to maintain membership.
Members have also saved money with
Score Enhancement
Need a boost? Our online tools help you bank with your brain.
Learn More about Score Enhancement 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
Leaving University Credit Union Website
You are leaving ucu.org. The site you are about to visit is not operated by UCU. Please refer to the Terms of Use and Privacy Policy for this outside website as they may differ from UCU’s. UCU does not endorse and assumes no liability for any alternate website’s content and does not represent either the third-party or the member if the two enter into a transaction.