Cooperatively powered to give you Top 1% Best Rates in the Nation and cash back!*1


In life, there are things we haven't gotten around to yet. And things we wish we hadn't experienced. When it comes to finances, the UCU Shared Secured Mastercard addresses either scenario. If you don't have much of a credit history, this card can get you started. If your credit score has dipped due to unfortunate circumstances, you can help rebuild it by making use of the card's exceptional buying power and making steady payments.

A University Share Secured Credit Card offers more than its share of benefits:


  • Top 1% Best Rates in the Nation Guarantee*
  • Competitive fixed annual percentage rate (APR)
  • No annual fee1
  • No application fees1
  • Get all the details about this card by reading the University Share Secured Credit Card disclosure

You could also earn up to 5% APY on your cooperatively powered University Checking account for the banking you already do!2 Your credit score is important. It can determine whether you can borrow money, buy a car or rent an apartment. You can get that score headed in the right direction by applying online for a University Share Secured Credit Card. 

Members who have a University Share Secured Credit Card that's cooperatively powered also save an average of $114 per year.

Member Testimonial

"UCU has helped me finance all the cars I have owned throughout my life. They treat me like family."

- Glenn A.