University Credit Union Employee Resources

universit credit union logo


Gaels, experience the University Credit Union difference.


■ Official Gaels credit and debit cards
■ Earn up to 5.00% APY* with a University Checking Account
■ Best Rates in the Nation Guarantee1
■ 24/7 account access with digital banking
■ Official Financial Institution of Saint Mary’s College


Gideon the mascot at the University Credit Union ATM




A map showing the location of UCU Atms

University Credit Union ATM Locations


  • 1928 Pub
  • UCU Pavilion Lobby
  • Filippi Administrative Building Foyer
  • Joseph L. Alioto Recreation Center Foyer
  • Dryden Hall
outside the UCU Pavilion with sky and tree

University Credit Union

As the only credit union founded by the university community, for the university community, University Credit Union has been serving the university community as a not-for-profit financial cooperative for over 70 years. As an employee benefit, you are eligible to become a member-owner of University Credit Union and enjoy many perks like earning 5.00% APY* on a University Checking Account and showing off your team spirit with our exclusive Gael credit and debit cards. Your financial wellness is our top priority, which is why we offer our Best Rates in the Nation Guarantee 1 to save you time and money. You can rest assured you are receiving the best loan rates with University Credit Union. Whether you are looking to buy your first home, boost your savings, or save for retirement, we’re here to help you every step of the way.



*APY = 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.

1 UCU guarantees that our lowest loan rate for cars, credit cards, consolidation, and HELOCs are in the top 5% nationwide as measured in a monthly rate survey by Rate Watch, a part of S&P Global. ■ 800.UCU.4510 Federally Insured by NCUA