college students :: youth & college :: Ohio University Credit Union

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College Student Services

Welcome to Ohio University!

OUCU has been a part of campus life for 55 years. We hope you'll become a member of the area's premier not-for-profit, member-owned financial cooperative.

Campus Student Package

3 campus ATMs and 8 area ATMs - the most ATMs in the area
FREE Checking & Savings with free bobcat checkbook cover
FREE Visa Debit Reward card
NO annual fee Overdraft Protection Line of Credit
FREE CATS Online Internet Banking
FREE online bill payment with FREE electronic statement service
FREE nationwide access at credit union offices in the shared branching network

NEW! If you are purchasing a computer through the Ohio University Techology Depot, we have a special Student Computer Financing Program.

Start your membership online then when you come to campus for orientation, visit us at Baker Center 4th floor --. We will need:

your initial deposit
your signature
to see your driver's license or state ID

JOIN NOW - START YOUR MEMBERSHIP ONLINE
START ONLINE AND YOU'LL BE AUTOMATICALLY ENTERED TO WIN AN iPAD!

Freshmen - start your membership online and we'll have all your materials ready when you get to campus for orientation. Visit our booth on the 4th floor of Baker Center. We'll just need to get your signature and initial deposit. Make it easy!

BOBCAT PARENT PERKS

Parents, you deserve something, too! When your student joins OUCU, you can enter to win one of five BOBCAT PARENT PERKS:

Grand Prize: One night's stay at the OU Inn

Other prizes:
$100 Visa gift card
$100 Kroger gift card
$50 Specialty Books gift certificate (for your OU mom/dad shirts!)
OUCU fleece stadium blanket

Free Checking

No minimum balance
No monthly service charge
Unlimited transactions
Must open a Visa Debit or Debit Rewards card and access CATS Line or CATS Online
eStatement electronic monthly statement service - this free service will hold your statement in a secure online "vault" until you are ready to view it. A great service for students with frequent address changes.
Cancelled checks are kept on microfilm. Check copies are available upon request.
This account does not earn dividends.
Overdraft Protection Line of Credit can help protect you from the expense and embarrassment of a returned check.

Regular Share Savings

No monthly service charge
$10 minimum balance required for membership
Dividends compounded and paid quarterly
Federal regulations prohibit no more than 6 pre-authorized withdrawals in a month. These include telephone, wire and Internet withdrawals.

Classic MasterCard

Start your financial future and the road to a good credit history from the people that want to see you be successful. Many parents want their student to have a credit card for emergencies or for larger purchases like books. Credit card statement can be mailed home if you prefer. Under new regulations, a parental or other co-signer is now required if you are under 21 years of age.

No annual fee
Competitive, fixed interest rate, currently 14.99% APR, base rate will depend on your credit history

Parents may qualify for our Visa Platinum rewards credit card

Financial Education for College Students

Try this self-study unit

College students and credit cards

For parents

Frequently asked questions for parents

Easy Account Access

Visa Debit Card	Use this debit card at ATM machines to withdraw cash, transfer funds, check balances and at stores that accept Visa. Your purchase amount will be deducted right from your checking account.
In Person	90 S. Shafer Street (down the street from baseball fields) or 944 E. State St.(across from Walmart) in Athens.
CATS Online & Bill Payment	Access your accounts online - all with the click of a mouse! Bill Pay service is free when you sign up for electronic statements.
CATS Line	Our 24-hour telephone service allows you to transfer funds, check your balances, and more using a touch-tone phone.
ATMs	We have 11 ATM locations in the Athens area including all around campus and town. We're also a part of the Alliance One no-surcharge credit union network.
Shared Branching Network	OUCU members can use 4,000+ credit union branches nationwide and 270 in Ohio to access their OUCU accounts. Visit http://www.cuservicecenter.com or call 1-800-919-2872 for locations.

Are you an OU student employee?

Then you're eligible for direct deposit of your OU paycheck.

Funds are posted to your OUCU account the morning of each payday.
Sign up for direct deposit at the credit union or the OU Payroll office.

'life after college' graduating student specials

Are you graduating college? We can help as you begin this new phase of your life. Get 1% off of our current loan rates!*

Auto loan

90 days to first payment
rates as low as 3.49% (with special grad discount)
no down payment

life after college signature loan
because setting up an apartment, buying new clothes or a car can quickly add up
9.99% apr (with special grad discount)
90 days until first payment

Visa Platinum
No annual fee or cash advance fees
no hidden fees or rates
earn ScoreCard Reward bonus points

Already a credit union member? Great! Apply in CATS Online homebanking, under 'loan application' and be sure to put "GRAD" in the comment section.

Not yet a member? Click on the "Join here" button on this page to get started!

Or you can stop by any of our offices or call 597-2800.

Subject to credit approval. New loans only. On a $10,000 new auto loan for 60 months at 3.99%, the monthly payment would be approx $185. Other rates and terms available. Employment contract or proof of employment required.1% rate discount does not include credit cards.