University of California, Davis
Giving UC Davis a financial advantage
UC Davis students, alumni, staff, faculty, retirees, and immediate family of existing members are now eligible to open an account at University Credit Union. Our team is excited to give you a financial advantage by providing financial educational opportunities including workshops & seminars, one-on-one financial guidance, and, of course, every day banking needs. We can't wait to have you as a member! You'll enjoy surcharge-free ATM access on campus and at over 30,000 CO-OP ATMs nationwide, access to our online, on-demand financial education modules, our Best Rates in the Nation Guarantee* and some special savings rates designed just for the Aggies community.
Our University Checking Account is loaded with features and designed to give Aggies the financial advantage they deserve. Earn up to 5.00% APY1, automatic ATM fee reimbursements up to $25/month2, loan rate discounts of 0.25% APR3 with auto pay on personal and auto loans, and more.
We’re excited to exclusively offer official Aggie credit and debit cards for the UC Davis community!
Our official Aggie credit card features an iconic image of the UC Davis campus, making it an ideal way to show your school pride. With no application or annual fees, our official Aggie Rewards Credit Card4 offers you unlimited rewards points on your purchases, making it the perfect card for your everyday spending. Redeem points for travel, gift cards, merchandise, Mastercard® prepaid cards, eCertificates for various merchants, and more. When you open a University Credit Union Rewards Credit Card, you'll earn 2 points per every $1 spent on qualified purchases. Applying for an official Aggie credit card is easy! In the online application, under the ‘Types of Loan' section, select ‘Rewards Credit Card'. Select ‘Rewards UC Davis Credit Card' to finish the application process.
You can also sport your Aggies team spirit when you open an account and select UC Davis as your affiliated university in your online application. With the official Aggie debit card, you can enjoy fee-free access to over 30,000 CO-OP ATMs nationwide, a secure and convenient way to make purchases, and immediate withdrawals from your account making it easier to manage your money. Join UCU and apply online today!
University Credit Union has also partnered with UC Davis Stores to offer you affordable loan rates on computers, tablets, software and more! Aggie students, faculty, and staff can all apply and take advantage of this exciting offer! Learn more about the UCU Tech Loan and apply today.
We'd love to partner with your campus group, event, or special program!
We're here to enrich our University Communities. Interested in working with us? Contact our Growth Team today.
*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.
1APY = Annual Percentage Yield. To earn up to 5.00% APY, member must have a qualifying University Checking Account. Based on a combined rate of 4.88%. Credit card must be active, have at least one monthly transaction (excludes balance transfers and cash advances), and be enrolled in credit card eStatements to qualify for the extra 1.00% APY in dividends. Account does not earn dividends if there is a $0 balance in a HELOC at the end of the month. All accounts must be in good standing with no delinquency or bankruptcy pending. Multiple loans in the same category count for only 1.00% APY in dividends.
Qualifying University Checking Accounts will earn 1.00% APY in dividends on balances up to $25,000. Balances above $25,000 will be paid at the regular checking rate. Qualifying University Checking Accounts are defined as having at least 25 transactions per month (includes transactions made with both debit and credit cards) and enrollment in eStatements. If the requirements are not met, then no dividend is earned. Secondary University Checking Accounts not eligible to earn APY. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account at the end of each day. Dividends are disbursed monthly into the active University Checking Account. APY is accurate as of the last dividend declaration date. Fees could reduce the earnings on the account. Rate subject to change after account opening and may vary based on qualifications met at month end. Not valid with any other offers. To establish a UCU Membership, you must deposit at least $5 to a Regular (Share) Savings Account. A $50 minimum deposit is required to open a University Checking Account. All accounts are subject to approval.
2Up to $25 in ATM fees incurred at other financial institutions will be automatically credited to your active University Checking Account at close of month end. Note: member must have e-statements and at least 25 transactions monthly to qualify for ATM fee refunds.
3APR= Annual Percentage Rate. Rate with Automatic Payment from a University Checking Account may be discounted by 0.25% APR as long as the rate does not fall below the floor rate. Credit Cards, HELOCs, and mortgages are excluded.
4Rewards Credit Card offers a generous 2 points per dollar spent on net new purchases (purchases less any credits, returns, disputed billing items, and adjustments). Cash advances, balance transfers, fees, finance charges, checks, or other transactions that we determine not to be eligible used to access your account will not earn rewards points. Not all members will qualify. There is no limit on the rewards points you can earn each month. Any determination of qualifying transactions and exceptions for rewards points is at the sole discretion of UCU. UCU reserves the right to verify and adjust rewards points at any time prior to or following point posting and redemption. Points are not earned until they appear on the billing statement. If the Rewards Credit Card account is closed, all points not redeemed will be lost. Rewards points are not transferable. UCU may change or terminate the Rewards Program at the credit union's discretion at any time, with or without prior notice except where required by law.
To establish a UCU Membership, you must deposit at least $5 to a Regular (Share) Savings Account. All loans are subject to membership eligibility, credit, and underwriting approval.