Empower YOU: The true value of your membership
With UCU’s team of certified financial experts, and our Best Rates in the Nation Guarantee*, a brighter financial future is closer than you ever dreamed. Find out how we can give you the financial advantage you deserve and empower you to take control of your future.
At University Credit Union, we believe your money should work for you
That’s why we created Empower YOU, a movement designed to highlight the real financial benefits of being a UCU member.
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
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
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 spreaking 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.