At University Credit Union, we offer various options for you to make everyday purchases more rewarding with easy to use spending features. Whether you’re looking for a checking account, credit card, or debit card access, we have something for you.


UCU Checking & Credit Card Account Options


University Checking Account

Our University Checking Account is loaded with features and designed to give you the financial advantage you deserve. Earn up to 5.00% APY*, automatic ATM fee reimbursements up to $25/month¹, loan rate discounts of 0.25% APY² with auto pay on personal and auto loans, and more.


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Mastercard® Credit Cards

Maybe you want a credit card that offers great rewards. Perhaps, you want one that helps to build or repair your credit. Whatever your preference, our cards are built to fit your specific needs.


  • Cash Back Credit Card - Get unlimited cash back on all of your purchases. Earn up to 3% Cash Back on all purchases for the first 6 months.³
  • Rewards Credit Card - Transform your everyday purchases into travel adventures or merchandise. You’ll earn 2 points per every $1 spent on qualified purchases.⁴
  • University Credit Card -  The University Credit Card is our lowest rate card. Get peace of mind knowing your rate is among the lowest in the country and lower than the big banks.
  • University Share Secured Credit Card - For some, secured credit cards are a great fit, and can also help you  build your credit
  • Official Partner Cards - Featuring iconic imagery and athletic logos, these cards are the perfect way to show your school pride!


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UCU Debit Card

A Mastercard® Debit Card from UCU has you covered no matter where you go. From online shopping to traveling, rest-assured you always have convenient access to your money with access to over 30,000 ATMs and 6,500 shared branches nationwide.


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Members have also saved money with: