Choose your checking account

Celebrity Checking

Ideal for those who want to earn interest and maintain high balances in exchange for premium benefits.

  • Earns up to 0.10% APY*
  • Free 24/7 access with online and mobile banking
  • Send and receive money with Zelle®
  • Avoid overdraft fees with DoubleCheck NSF** Services
  • Access to over 30,000+ surcharge-free CO-OP ATMs nationwide
  • $9 monthly fee***

Premier Checking

A great fit for members seeking interest plus lower balance thresholds to avoid fees.

  • Earns up to 0.10% APY*
  • Free 24/7 access with online and mobile banking
  • Send and receive money with Zelle®
  • Avoid overdraft fees with DoubleCheck NSF** Services
  • Access to over 30,000+ surcharge-free CO-OP ATMs nationwide
  • $8 monthly fee***


Universal Checking

Perfect for everyday users who want a straightforward checking option without interest, with minimal balance requirements.

  • No minimum balance requirement
  • Free 24/7 access with online and mobile banking
  • Send and receive money with Zelle®
  • Avoid overdraft fees with DoubleCheck NSF** Services
  • Access to over 30,000+ surcharge-free CO-OP ATMs nationwide
  • $7 monthly fee***

Benefits of a checking account

Competitive Interest Rates

Earn monthly dividends with competitive rates, compounded and paid on your average daily balance (Celebrity and Premier accounts only).

Flexibility and Accessibility

Access your money with ease—use your debit card, checks, mobile or online banking to withdraw cash, make purchases, and pay bills.

Safe and Secure

Your funds are federally insured by the National Credit Union Administration (NCUA) up to $250,000 per individual account.

Personalized Service

Our commitment is to support your financial journey with services designed for convenience and growth.

*APY = Annual Percentage Yield. A minimum deposit is required to open each checking account. APY is accurate as of the last dividend declaration date and rates are subject to change at any time. Minimum balance of $100 is required to earn interest. Dividends are paid on balances that meet or exceed the required minimum.

**NSF Fees: Non-sufficient fund fees.

***To avoid a monthly service fee, a minimum daily balance must be maintained. Please refer to our Account Disclosures for current information and additional terms.

Become a member

With a one-time membership fee of $1 and a $5 initial deposit, you can open a UCSCU savings account—and become a member for life even if you change jobs, retire or move out of the area.

Become a Member today

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