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

  • Auto Pre-Approval

    Start Your Summer Adventure Today!

    You May Be Pre-Approved for an Auto Loan!

    Learn more about saving money on vehicle loans

  • 3Q26 Skip

    Summer Skip-A-Pay!

    Relax more with Skip-A-Pay. 

    Apply Now

  • Summer Certificate

    Boost Your Savings This Summer

    Earn 3.50% APY* for 7 months

    Learn more

  • Give and Grow

    Give Back & Get More

    Donate Supplies to Power Classrooms This Fall

    Learn More

  • Visa Credit Cards

    Start Fresh with a Smarter Rate 

    Exclusive Balance Transfer Offer For Visa Cardholders!

  • Reel Cash

    Introducing Reel Cash

    A smarter way to borrow! Roll credits on payday stress!

    Learn More

  • Fraud Education & Prevention

    Fraud Education & Prevention

    Trusted information from your credit union regarding fraud and scams.

    Learn More

  • GreenPath

    Your Path to a Bright Financial Future

    Achieve financial health and wellness with GreenPath Financial Wellness.

  • Credit Builder Loan

    Build Your Future

    Boost your credit and your savings with our Credit Builder Loan.

    Learn moreabout our wildfire resources

  • 3Q24 Drive Yourself to Lower Rate

    Drive Yourself to a Lower Rate!

    Refinance your auto loan and save up to 2%*!

    Learn more about refinancing your auto loan and saving money

  • 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.

  • Super Mario Galaxy
EA446A06788B51CA1DA880C3583C8362