• What is a Credit Union?
• Who is Eligible to Join University Credit Union?
• Can Other Members of my Family Join University Credit Union?
• What is UCU's Routing/ABA Number?

• How/Where Can I Make Deposits to my Account?
• How Can I Set Up Payroll Deduction or Direct Deposit?
• How Can I Get my Account Balances?
• What is Starline?

• Where are your ATMs?
• My ATM/Debit Card is lost - what do I do?
• Is There a Daily Limit on my ATM/Debit Card?
• Can I Transfer Funds Within my Account Without Coming to the Branch?

• How Can I Add or Remove a Joint Owner on my Account?
• How Do I Update the Address on my Account?
• I'm Switching Jobs and/or Moving; Do I Have to Close my Account?
• How Do I Close my Account?

• Can I Refinance my Auto Loan that I Have at Another Financial Institution?
• Can I be Pre-Approved for an Auto Loan before Actually Choosing the Car?
• When Will I be Notified of an Approval on my Loan Application?
• Can I Pay my Loan Online?

• How Can I Put a Stop Payment on a Check?
• How Can I Order a New Supply of Checks?

• How Will I Know that my Certificate has Matured?
• Are Share Deposits Insured?
• How Do the Club Accounts Work?

A credit union is a cooperative, not-for-profit financial institution. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.

Who is Eligible to Join University Credit Union?

If you are employed by, retired from, or a student of an educational or health care institution in Norfolk, Middlesex, Suffolk, or Essex counties, you and members of your family are eligible to become a member of UCU.

Can Other Members of my Family Join the Credit Union?

Yes, we encourage your entire family to join! As a primary member, you can sponsor your spouse, children, grandchildren, parents, grandparents, siblings, and individuals living in your household.

What is UCU's Transit/Routing Number?

University Credit Union's Transit/Routing number is 211-080-767.

You can make deposits to your UCU accounts by visiting one of our offices, mailing a check, through our two full-service ATMs or an ATM on the NYCE Shared Deposit Network, or you can visit a Shared Branching location.

How Can I Set Up Payroll Deduction or Direct Deposit?

To set up Payroll Deduction, you may complete the UCU Payroll Deduction Authorization Form. You must work for one of the institutions with which we have an agreement to use this form. For Payroll Deduction from any other employer, contact your Payroll Department.

For Direct Deposit, contact your Payroll Department. Provide them with UCU's Routing Number (211-080-767) and your account number.

How Can I Get my Account Balances?

You can obtain your account balance by using UCU@Home, Starline, or viewing it at an ATM. UCU Representatives do not give account balances over the phone.

What is Starline?

Starline is a 24 hour telephone system that members can call to access their accounts. You can check our rates, check your balances, inquire about deposits or withdrawals, transfer between accounts, and more. Just call 1-888-828-9828 and follow the prompts.

Can I Transfer Funds Within my Account Without Coming to the Branch?

Yes - there are many different ways that you can make transfers within your account without visiting the branch.

• Speak with a Member Service Representative at 617-739-7447, Ext. 224 and they will be happy to make a transfer for you.
• You can transfer funds through UCU@Home online account access. Your account number and a password are all you need to log on to UCU@Home. If you have never logged on, please follow the instructions listed on the sign-on page.
• You can transfer funds through our automated phone system at 1-888-828-9828.
• You can transfer funds by visiting an ATM.
• You can transfer funds by visiting a Shared Branching location.

Where are your ATMs?

UCU owns 4 ATMs in different locations and has 20 ATMs in an extended network. We are also part of the SUM network and the NYCE Shared ATM Deposit Network.

My ATM/Debit Card is Lost/Stolen - What Should I Do?

Call the Member Service Department at 617-739-7447, Ext. 224. A representative will verify your last transaction, block the card from being used, and issue you a new one.

Is there a Daily Limit on my ATM/Debit Card?

Yes. Both the ATM and Debit Card are subject to a total daily transaction limit: $500 for ATM withdrawals and $500 for debit purchases.

How Can I Add or Remove a Joint Owner on my Account?

To add a joint owner to your account, a new signature card is required with all joint owner’s signatures. We are unable to remove a living joint owner from an existing account. In the event of a death, a death certificate must be presented and the name will be removed. Both of these types of transactions can be done at any of our branch offices.

A signature must be obtained in order for us to change your address. Please print the change of address form and either mail it or fax it to:

University Credit Union
846 Commonwealth Ave.
Boston, MA 02215
Attn: Change of Address
Fax : (617) 278-5890

I'm Switching Jobs and/or Moving; Do I Have to Close my Account?

Certainly not! If you transfer to another job, move out of the state, or retire, you may continue to enjoy all the benefits of being a University Credit Union member. UCU makes it easy to access your account no matter where you are.

How do I Close my Account?

To close an account, the request must be submitted in writing. This can be done in person at one of our branches, via fax, or through the mail.
Important: Before closing your account, be sure that all pending deposits, withdrawals, and transactions have cleared and been canceled for the future.

Yes! We can save you money on monthly payments. Apply now or contact any Loan Officer at 617-739-7447 for details. Apply now

Can I Be Pre-Approved for my Auto Loan Before Actually Choosing the Car?

Yes, you can be pre-approved for an amount prior to purchase. You can get a pre-approval online!

When Will I be Notified of an Approval on my Loan Application?

Online loan applications receive a pre-approval in as few as 60 seconds. Apply for your loan on a business day and our Loan Department will get back to you with your approval status before or by the next business day.

Can I Pay my Loan Online?

Yes. Through UCU@Home, you can transfer funds from your savings or checking to pay your loan.

How Can I Put a Stop Payment on a Check?

A stop payment can be placed over the phone with a Member Service Representative at 617-739-7447, Ext. 224. They would need your account number, the check amount, and the date it was written. They take the request over the phone and then forward the request to you to sign with a return envelope. You have 7 days to mail the request back; otherwise the stop will be removed. You can also do this in any of our branch locations or on UCU@Home.

How Can I Order a Supply of New Checks?

You can order a new supply of checks on our website, by calling the Member Service Department at 617-739-7447, Ext. 224, or by mailing in the check order request from the last book of checks in your box. The processing time is generally 5-10 business days.

You will receive a maturity notice a minimum of 30 days prior to the maturity date. You have until the maturity date to let us know your intentions in writing. If we do not hear from you prior to the maturity date, your certificate will renew for the same term it was in with the current rate for that term.

Are Share Deposits Insured?

Yes. All share accounts are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. In addition to federal insurance, members' deposits in excess of $250,000 are insured by the Massachusetts Share Insurance Corporation (MSIC); up to $600,000 for individual accounts and $1,200,000 for joint accounts.

How Do the Club Accounts Work?

Club Accounts can be opened throughout the year. Payroll Deductions allow for automatic deposits to your accounts.
Holiday Club- Funds are automatically transferred to your Main Share on November 1st.
Vacation Club - Funds are automatically transferred to your Main Share on May 1st. Early withdrawals from club accounts are subject to a $25 penalty fee.