A legacy of strength: two time-honored credit unions unite
For decades, Abilene Christian University Credit Union (ACU Credit Union) and University Credit Union (UCU) have independently served their members with unwavering commitment, building a strong foundation of trust and financial support.
Now, we're pleased to announce a historic merger, combining our strengths to create an even more powerful force for good. This union isn't just about two institutions coming together: it's about accessing new possibilities for you, our valued member-owners.
What this landmark merger means for you
Seamless Transition
Your current accounts are transitioning smoothly to UCU, ensuring uninterrupted access to your funds and services.
New Digital Banking Platform
Beginning March 2, you’ll need to register for UCU’s digital banking system. The platform offers robust features, including 24/7 account access, bill pay, tools to manage your credit and debit cards, and more! Click here to complete your enrollment.
Enhanced Member Benefits
Experience access to a wealth of new services including bill pay, mobile check deposit, new credit and debit cards, and some of the best rates in the country.
Experience the ACU Credit Union + University Credit Union difference
ACU Credit Union powered by University Credit Union (UCU) will begin a new era of financial partnership with membership. Through new capabilities, technologies, and banking services, ACU CU + UCU will uplift member-owners and their financial futures with low rates, high-yield earnings, and powerful insights to achieve their goals.
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Introducing a better banking experience with higher earnings and minimal fees. UCU's University Checking Account comes with no monthly service fees, no overdraft fees, and funds are accessible surcharge-free at over 30,000 co-op ATMs.
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UCU is the only financial institution nationwide to guarantee that rates on auto loans, credit cards, consumer loans, and HELOCs are all within the top 5%.1
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A team of Certified Credit Union Financial Counselors (CCUFC) is available for free, unbiased financial coaching to help member-owners navigating banking questions and financial goals.
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Sign up for direct deposit and get your paycheck up to two days early.2
An exciting new banking experience in a few easy steps
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Mark March 2 on your calendar to register for digital banking and download the app.
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Make sure your current ACU Credit Union account info including name, mailing address, phone number, email, and other identifying information is accurate. This will be essential to making sure you receive the latest news and updates on your account from University Credit Union.
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Explore your new UCU benefits and get ready to experience the financial advantage you deserve.
Access UCU's digital banking platform
Unlock instant access to your accounts with UCU's digital banking platform. Experience on-the-go banking with seamless and secure financial management, wherever you go. The UCU mobile app is available in the Apple Store® or Google Play™.
- A personalized dashboard populated with all your accounts and loans
- Customizable, real-time alerts you control
- Remotely deposit a check in just a few taps
- Keep tabs on your credit, analyze your spending, monitor your earnings, and more with a suite of financial wellness tools
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iPhone Users
Download on the App Store about iPhone Users -
Android Users
Get it on Google Play about Android Users
We're here to help!
If you have any questions or need assistance, we’re here for you. Reach out to our team at 800.UCU.4510. We are so excited to welcome you to UCU and look forward to helping you achieve your financial goals with enhanced products, services, and member rewards.
Thank you for being a valued member-owner.
Frequently Asked Questions
General Questions
- Why did Abilene Christian University Credit Union (ACU) and University Credit Union (UCU) merge?
This merger brings together two great financial cooperatives to better serve our members. By combining resources, we can offer enhanced products, services, and rewards while strengthening the financial foundation of the credit union.
- How does the merger benefit me as a member?
As a member of the newly combined UCU, you’ll enjoy:
- Access to UCU’s robust online and mobile banking platforms.
- Expanded financial products, services, and resources.
- A stronger cooperative that is committed to your financial well-being.
- Will there be changes to branch locations or hours?
Your ACU Credit Union banking hub, located at 701 College Drive in Abilene, will remain open Monday-Friday from 9am-4pm.
- What should I do if I have more questions about the merger?
We’re here to help! You can:
- Call us at 800.UCU.4510.
- Stop by the ACU Credit Union banking hub at 701 College Drive in Abilene, or any UCU branch for assistance.
- How can I stay informed about updates related to the merger?
Bookmark this page, www.ucu.org/acucreditunionmerger, and check back here for the latest updates. We will also share updates via:
- Email communications
- Social media posts on Facebook, Instagram, and LinkedIn
Contact us with any further questions and our member services team will assist.
Make sure your contact information is up to date to ensure you don’t miss any important updates.
- Who is eligible to join University Credit Union?
Individuals can join UCU if they:
- Are faculty/staff and students at Abilene Christian University
- Have an immediate family member who is a UCU member
- Make a minimum donation of just $5 to the UCLA Mattel Children's Hospital or the Chase Child Life Program
- What is the address of the branch?
- What are the branch hours?
Monday-Friday 9:00 a.m. to 4:00 p.m.
Click here to book an appointment.
- Is there an ATM at the branch?
Yes, there will be a full-service ATM installed at the branch location coming soon.
Also, UCU members have access to over 30,000 surcharge-free ATMs through the CO-OP ATM Network.
To locate an ATM:
- Use the ATM locator at ucu.org
- Download the UCU Mobile App
- Find ATMs at credit unions, DK stores, and other, select retail locations
Members will be able to:
- Check balances
- Withdraw up to $1,000 daily
- Deposit checks and cash (no limit)
- Transfer funds
- Change PIN
- Print account history
- No ATM/Debit card required
- 24/7 access – The front door will remain unlocked for ATM access
- What are some of the products and services that are now available to me at UCU?
UCU has many products and services that were previously unavailable to ACU CU members, including credit cards, extended deposit/savings products, mortgages, business lending, high yield checking accounts, debit cards, mobile app with mobile deposit, investments, insurance, and much more. Book an appointment with a UCU team member to explore options.
Starting March 2, ACU CU members will need to register for UCU’s digital banking platform, which offers new features like 24/7 access, bill pay, card management, and more.
Account Info
- Will my account number or information change?
Yes, your account number will change. UCU will send updates regarding this your new account number in advance of this change. You will receive a new account number via email or if your email is not on file with us, you will receive it by paper mail.
- As a new UCU member, do I need to register for digital banking?
Yes. Starting March 2, all members will need to register for UCU’s digital banking platform.
- Visit online.ucu.org/registration to enroll.
- Once registered, you can access your accounts online or through the UCU mobile app.
- What features are available in UCU’s digital banking?
UCU’s online banking offers:
- Account transfers and bill pay
- eStatements
- Card management through Card Manager
- Mobile check deposit via the app
- Will my direct deposits and electronic payments be impacted by the conversion?
No, they will not be immediately impacted. However, you will need to update your direct deposit and electronic payment information with UCU’s routing number.
- When can I start making direct deposits and electronic payments with UCU’s routing number?
You can start using UCU’s routing number, 322079502, for direct deposits and electronic payments beginning March 1, 2025.
Cash Deposits can continue to be made at the ACU Banking Hub and/or at any UCU or CO-OP ATM that accepts deposits.
Check Deposits can be made at the ACU Banking Hub and online:
- Via Mobile: You can deposit checks through the Remote Deposit Capture feature in the UCU Mobile App.
- From external accounts: A one-time ACH transfer can be processed. You can request this by contacting us at 800.UCU.4510.
- At any UCU or CO-OP ATM: Members can deposit checks with no limit.
- How can I pay my bills online?
You can use UCU’s convenient Bill Pay feature within mobile and online banking. Instructions on how to enroll in UCU Bill Pay will be available in the member portal.
- What will happen to my certificates through ACU Credit Union?
Your certificates will retain the same rates and terms until their maturity. Previously, auto-renewal was not offered at ACU CU, so upon maturity, funds will be transferred to your Primary Savings Share Account.
- How do I access my account statements and prior history?
For current and prior account history:
- You can access via digital banking or the mobile app
- You can also contact the ACU CU Banking Hub in-person or by calling UCU at 800.UCU.4510
Loans
- What happens to my loans and deposits?
- Loans: Your existing loan terms will remain unchanged.
- Deposits: ACU Credit Union deposit accounts will transition seamlessly.
- What will happen to my loans I have through ACU Credit Union?
Your loan terms and rates will remain the same. However, payments will now need to be made to UCU.
Rate matching may be available for closed-end loans (You must provide supporting documentation).
The credit union will not go below the established floor rate for each loan type. For example, if a member receives a 0% auto loan rate from dealership financing, we cannot match it because it falls below our floor rate.
- How do I make a loan payment to UCU?
Loan terms and rates will remain the same. However, payments will now need to be made to UCU.
Payments can be made online or through the UCU mobile app via account transfers. For internal transfers, you can auto-transfer payments from your UCU savings or checking account.
If mailed, payments should now be made payable and sent to:
University Credit Union, Attn: Payments,
1500 S. Sepulveda Blvd, Los Angeles, CA 90025Please include your account number with your mailed check.
Debit and Credit Cards
- Does UCU offer credit cards?
Yes, UCU offers additional credit cards, including the UCU Cash Back Credit Card and the UCU Rewards Credit Card. Contact us to learn more about these options.
- Will I receive a debit card with a UCU checking account?
If you choose to open a UCU checking account, you will recieve a debit card with that account. UCU will provide further communications regarding checking account and debit card options.
- Can I change the PIN number?
Yes, you can change your PIN by calling 800.503.9249 and providing the reference number included in the PIN mailer.
Explore your broadened financial horizons: download merger details
Our ACU Credit Union member welcome packet dives into essential credit union merger information in a handy pdf.
*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.
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.