Earn 3.00% APY* in dividends
 

It's time to bank smarter, not harder. UCU's Smart Checking rewards you for managing your money wisely. Earn a remarkable 3.00% APY on your qualified Smart Checking Account and enjoy one of the best offers nationwide!

 

Start earning in two easy steps.
 

To qualify for 3.00% APY on your balance, you must:

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Set up direct deposit

Set up a recurring direct deposit to your Smart Checking Account of at least $1,000 aggregated monthly.

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Enroll in eStatements

Sign up for eStatements and secure 24/7 access to your statements online.

 

 

 

Features you’ll appreciate

 

 

Mobile Check Deposit

 

Digital Banking

Check balances, pay bills, and much more through our app or online.

 

Domestic Wires

 

Surcharge-Free Checking

Your UCU Checking Account is free to use with no monthly service fees.

 

Card Manager

 

Free ATMs Nationwide

Access to over 30,000 surcharge-free ATM access nationwide.

 

Locations

 

Shared Branching Network

In-branch access at over 5,000 shared branching locations.

 

Direct Deposit

 

Get paid up to two days early1

 With Direct Deposit, you’ll get your cash sooner than ever before, with access to your paycheck funds as soon as we receive them.

 

Locations

 

Loan Rate Discounts

Take advantage of loan rate discounts of 0.25% APR2 when you set up auto pay on personal and auto loans.

 

IF YOU ARE A CURRENT MEMBER AND WOULD LIKE TO OPEN A SMART CHECKING ACCOUNT:

Navigate to 'Add a Deposit Account' within digital banking, or contact us at 800.UCU.4510.

Our online application process is quick and secure — see for yourself!

 

GET STARTED

Members have also saved money with:

Credit Cards
Choose the UCU Credit Card that’s right for you.
Personal Loans
Custom lending unique to you.