Texas: Get up to $300* by joining University Credit Union!

*Promotion is for new members, ages 18 and above only. Requires a $5 minimum deposit which must be maintained in a primary savings account. The annual percentage yield (APY) of 0.15% is earned for balances above $25. APY is accurate as of 4/1/25. You must have a valid SSN/ITIN to join. You must mention this promotion at account opening for enrollment. Account must remain in good standing during eligibility. Eligibility for payouts is limited to 90 days from primary savings open date. $100 will be deposited in primary savings account if more than $1000 in qualifying direct deposits has been made within 90 days of primary savings account open date. $100 will be deposited into primary savings account if a new UCU credit card is opened and $3000 or more in qualifying transactions are posted within 90 days of primary savings account open date. $100 will be deposited in primary savings account after a qualifying auto loan or personal loan (subject to credit approval) of at least $10,000 is completed with UCU or refinanced with UCU from another financial institution within 90 days of primary savings account open date. Fees could reduce earnings. Cash award is treated as interest and will be reported on IRS Form 1099-INT. Offer expires July 31, 2025. Offer is subject to change or cancellation without notice. Other restrictions may apply.

TEXAS New Member Campaign Terms and Conditions

New members may qualify for up to $300 when the following criteria are met:

• Account must be considered a new membership and have no preexisting accounts with UCU with the same Primary Social Security Number within the last 12 months prior to account open date.
• New members must enroll in the new member promotion with promo code “TEXAS” at account opening. Enrollment must be completed during the online account opening process, over the phone, or in person at a UCU location. Accounts that have not enrolled into the new member promotion will not be eligible for promotional payout.
• New members must meet promotional eligibility requirements within 90 days of primary savings account open date to receive the promotional payout.
• New members must be the primary member of the account to be eligible for promotional payout.
• Primary member must be over the age of 18 at account open date.
• Primary member must attend or be employed by an accredited university within the state of Texas, or be a resident of the state of Texas to be eligible for promotional payout. Proof of Texas residency or proof of enrollment or employment at an accredited university in the state of Texas may be required prior to promotional payout.
• In order to open a new primary membership account, a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) must be provided.
• To open a new membership account, a Primary Savings account must be opened. This account requires a $5 minimum balance. Other fees and charges may apply.
• Only personal general membership accounts are eligible for the promotion. Business, trust, and association accounts are not eligible.
• The eligibility period begins on the date the new primary savings account is opened and ends 90 days after the primary savings account open date.
• Promotional payout will be made within 60 days of the end of the eligibility period.
• Offer is subject to change or cancellation without notice. Other restrictions may apply. Federally insured by NCUA.

Promotional Payout Information

• New members must meet applicable eligibility requirements within 90 days of the primary savings account open date (eligibility period).
• Payments will be made within 60 days of the end of the eligibility period.
• Members must be in good standing, and remain in good standing throughout the eligibility period to be eligible for promotional payout.
• To be eligible for direct deposit payout, members must make a total of $1000 or more in eligible direct deposits within the eligibility period. Eligible direct deposits are electronic automated clearing house (ACH) deposits. Examples of eligible direct deposits include, but are not limited to: payroll, Social Security, pension and government benefits. Deposits made through an ATM, in branch, or via mobile deposit are not eligible.
• If the direct deposit promotional requirements are met within the eligibility period, member will receive $100 deposited into their primary savings account.
• To be eligible for the credit card promotional payout, members must open a new credit card from UCU and make $3000 or more in eligible purchase transactions within the eligibility period. Balance transfers and cash advances are not eligible transactions and will not be counted towards the $3000 minimum. Returned purchase transactions will not be counted. Qualifying purchase transactions must post to the credit card account by the end of the eligibility period to be counted.
• If the credit card promotional requirements are met within the eligibility period, member will receive $100 deposited into their primary savings account.
• To be eligible for the consumer loan promotional payout, members must open a qualifying auto loan or personal loan within the eligibility period. Qualifying consumer loans are auto loans or personal loans with a minimum $10,000 initial loan balance. Consumer loans refinanced from other existing UCU accounts do not qualify for the consumer loan promotional payout. Loans must be funded within the eligibility period to qualify. Loans are subject to credit approval.
• If the consumer loan promotional requirements are met within the eligibility period, member will receive $100 deposited into their primary savings account.
• Promotional payments are considered interested and will be reported on IRS form 1099-INT.