Want to borrow at a lower interest rate? Secured loans enable you to use your savings or other investments as collateral. Secured loans do not require credit approval.

Share Secured Loan
Borrow against your Prime Shares for 3% APR over the dividend rate for up to 5 years financing.

Certificate Secured Loan
Borrow against your Certificate for 3% APR over your Certificate Rate for the term of the Certificate.

Apply Now!

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

  • Certificate Special

    Watch Your Savings Flourish!

    Earn 4.95% APY* with our 7-month certificate special!

    Learn more

  • Visa Credit Cards

    Get to the Finish Line Faster! 

    Exclusive Balance Transfer Offer For Visa Cardholders!

  • TurboTax

    Exclusive Member Discounts

    Save on tax prep services.

    Learn more

  • Tax Relief Loan

    Trying to find some extra cash?

    Pay taxes or consolidate debt with rates as low as 6.9% APR*

  • Online Membership Application

    Join Us and Bank With The Stars!

    Online Membership Application Now Available!

  • Zelle A fast and easy way to send money right from your account.

    Send and Receive Money with Zelle®

    A fast and easy way to send money right from your account.

  • Red Carpet Rewards

    What Rewards Will You Choose?

  • Kung Fu Panda
  • Universal City Studios was rated 5 stars by Bauer and deemed  One of the strongest financial institutions in the nation for 2019
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