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

  • Auto Pre-Approval

    Drive Into a Winter Wonderland!

    Save Money on Your Next Vehicle Loan! You May Be Pre-Approved!

    Learn more

  • Visa Pre-Approval

    Holiday Skip-A-Pay is Back!

    Put some extra jingle in your pockets!

    Apply Now

  • Visa Pre-Approval

    Relax, You're in Control

    With a UCSCU Universal Access 3.75% APY* 7-Month Certificate!

    Learn More

  • 3Q24 Drive Yourself to Lower Rate

    Drive Yourself to a Lower Rate!

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

    Learn more

  • Visa Pre-Approval

    DoubleCheck Coming Soon!

    The information you need. The control you deserve

    Learn more

  • Visa Credit Cards

    Get to the Finish Line Faster! 

    Exclusive Balance Transfer Offer For Visa Cardholders!

  • 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?

  • Wicked
  • 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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