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UC San Diego | UCU partner logo


University Credit Union's core purpose is to give members a financial advantage, along with the promise to advocate, educate, and innovate, to better serve the university community. University Credit Union is more than our financial partner, they are committed to supporting UC San Diego in all its endeavors.

University Credit Union (UCU) is UC San Diego's official financial institution partner and official sponsor of all UC San Diego Athletics and Alumni events.

The strategic partnership with University Credit Union offers Tritons a financial advantage beyond serving day-to-day banking needs by providing financial training such as educational workshops, and one-on-one financial guidance.

In addition to offering financial literacy educational workshops and student internship opportunities in investment management, University Credit Union sponsors the Staff Association Scholarship Fund which provides financial aid to employees who pursue professional development activities that lead to career advancement. 

Member Benefits

UCU custom card products - Triton logo and Geisel library

Show Your Triton Spirit

UC San Diego | University Credit Union members can show their Triton spirit with credit and debit cards designed exclusively for the UC San Diego community! The official Triton card products feature the Triton Athletics logo and an iconic image of the UC San Diego Geisel library. Cards designs will be available to members as early as fall 2022. Get ready to show your Triton Spirit - visit the UC San Diego | University Credit Union member website and open an account today!

UC San Diego | University Credit Union

Triton Rewards Credit Card - Coming Soon!

University Credit Union's official Triton Rewards Credit Card offers members unlimited rewards points on purchases. Points can be redeemed for travel, gift cards, merchandise, Mastercard® prepaid cards, eCertificates for various merchants, and more. Members earn 2 points per every $1 spent on qualified purchases. 

Benefits of Banking with University Credit Union

UC San Diego students, alumni, staff, faculty, retirees, and family are eligible for exclusive University Credit Union member benefits including surcharge-free ATM access on campus and at over 30,000 CO-OP ATMs nationwide (including on-campus ATMs), special savings rates, Best Rates in the Nation Guarantee*, and access to University Credit Union online and on-demand financial education modules. 

University Checking Account Benefits

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.

On-Campus Advisory Center

The partnership brought a University Credit Union advisory center to campus. Conveniently located in Price Center East, the advisory center is a full-service banking hub that provides campus clients access to University Credit Union financial professionals, member services, and ATMs.

The University Credit Union (UCU) advisory center is located in Price Center, open Monday-Friday, 9 a.m. – 5 p.m. ATMs are located in Price Center, Student Center, and Torrey Pines Center South.

Terms and Conditions

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

1APY = Annual Percentage Yield. 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 (transactions are defined as purchases, checks, deposits/withdrawals, ACH, including Bill Pay, ATM, shared branch transactions, and incoming or outgoing wires. Dividends, fees, reversals, and transfers are not included) and enrollment in eStatements. If the requirements are not met, then no dividend is earned. A $50 minimum deposit is required to open a University Checking Account and earn APY. The rate may change after the account is opened. Secondary University Checking Accounts are 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. Not valid with any other offers. To establish a UCU Membership, you must deposit at least $5 to a Regular (Share) Savings Account. All accounts are subject to approval.

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.

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.

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.