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The Wolf Pack’s favorite way to bank

Rize Credit Union and the University of Nevada, Reno have partnered to bring you banking built for campus life.

Open an account
Show me the perks
UNR-phone

Earn 10x more
on your savings1

30,000+ ATMs
surcharge-free, nationwide8

Get paid early
up to 2 days sooner with Early Payday2

Rize is the official banking partner of the University of Nevada, Reno — and that includes everyone in the Pack. Students, alumni, faculty, and staff all belong here. Unlike a bank, we’re a credit union, which means you’re not a customer, you’re an owner. The profits we bring in go right back to you in the form of better rates and low or no fees.

Everything you need. Nothing you don’t.

HIGH-YIELD SAVINGS

4.00% APY
on balances up to $25,0003

High-Yield Savings account3

Balance

Dividends

APY14

≤ $25,000

3.93%

4.00%

$25,000.01 – $50,000

1.98%

2.00%

> $50,000

0.05%

0.05%

You’ll earn each month when you…

  1. Are enrolled in digital banking & eStatements
  2. Keep a $500 average daily balance
  3. Set up a $25 auto-transfer from your Rize Credit Union checking to your High-Yield Savings within the same membership

Open your account online in minutes — just tap the button below and we’ll walk you through it. All you need is your ID and $5 to get started.

NO MONTHLY FEE • 24/7 DIGITAL ACCESS

Start earning

RIZE CHECKING

Earn 93x
the national average5

Rize Checking account6

Balance

Dividends

APY14

≤ $10,000

7.25%

7.50%

> $10,000

0.05%

0.05%

Just use your debit card 5 times each month, and you’ll earn higher dividends on your entire qualifying balance.1

Everything you need from a checking account, and then some:

  • Free Visa® debit card
  • Free overdraft protection7
  • 30,000+ surcharge-free ATMs nationwide8
  • $0 monthly fee with eStatements9
  • 24/7 digital banking access

AND GET PAID UP TO 2 DAYS EARLY WITH DIRECT DEPOSIT2 

Open yours now

STUDENT LOANS

Borrow smart
stress less. Private student loans & refinancing, built around you.

A line of credit allows you to borrow only what you need, with a longer repayment period to make payments more manageable. You’re approved for multiple years, so there’s no need to reapply each year.10

Repayment periods for undergraduate and graduate lines of credit may be 10, 20, or 25 years. Repayment terms for student loan refinancing may be 5, 10, and 15 years. Available terms are shown during the application process.11

Rates are based on creditworthiness, loan amount, repayment term, and whether you have a co-signer. Rize works with Student Choice to help ensure you receive competitive options tailored to your financial situation.11

Get started by opening your Rize membership below. Once you’re in, we’ll email you everything you need to apply for your student loan.

UP TO 0.25% OFF YOUR RATE WITH AUTOMATIC PAYMENTS12

Get started

COMING SOON

Built for the pack
Rep UNR with every swipe – credit card coming soon.

Notify me

Membership comes with a lot more than just a debit card

Unlock perks the moment you become a member — you’ll just need $5 to get started.

Refer & earn
$50 for every friend who joins and completes the offer requirements. Up to $500 a year.13

Get started

Member discounts
Get deals on electronics, events, and attractions through Working Advantage with code RIZECU.

Start saving

Free coaching
1-on-1 financial coaching, no strings attached.

Schedule a free session

Travel deals
All-inclusive, budget-friendly vacation packages — just for members.

Pick your next destination

30,000+ ATMs nationwide
Access your money wherever you are – no fee, no stress.8

Find an ATM

NCUA insured
Your deposits are federally protected up to $250,000.

$5 to join
A lifetime of member-exclusive perks unlocked.

1Based on a comparison of the FDIC national deposit rate as of 5.18.26 and Rize Credit Union’s High-Yield Savings rate as of 5.1.26.

Early Payday
2Direct deposits, such as payroll, pension, and government benefit payments, made through Automated Clearing House (ACH) may be made available up to two days before the scheduled payment date; this can vary from deposit to deposit and is not guaranteed, depending on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Other deposits or credits, such as person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers for electronic credits, are not eligible for Early Payday.

High-Yield Savings
3High-Yield Savings is a blended-tier, variable-rate account, that pays a different Dividend Rate on the amount of funds in each tier and is limited to one account per Social Security number. Dividends are paid at a tiered rate for the portion of balance within each tier, and not the entire balance. The total Annual Percentage Yield paid will be calculated based on the portion of funds in the account within each tier. To qualify for and earn dividends, you must maintain a minimum monthly average daily balance of $500, have a minimum $25 per month auto transfer from any of your Rize Credit Union checking account into your High-Yield Savings Account and must be enrolled in digital banking and eStatements. These requirements must be met each month in order to earn dividends and be eligible to obtain the Annual Percentage Yield (APY). Refer to our Checking & Savings Rates. This account is a consumer-based product not available to businesses.

5Based on a comparison of the FDIC national deposit rate as of 4.20.26 and Rize™ Checking rate as of 5.1.26.

Rize Checking account
6Rize™ Checking is a reverse-tiered, variable-rate account that must be opened online; limited to one checking account per Social Security number. This account is a consumer-based product not available to businesses. To qualify for and earn dividends, you must make 5 debit card purchase transactions that post to your account during each statement cycle (ATM withdrawal transactions are not considered debit card purchases). This requirement must be met each month in order to be eligible to obtain the Annual Percentage Yield (APY). Refer to our Checking & Savings Rates.

7Free overdraft protection when linked to Savings account. 8Access to surcharge-free ATMs and shared branch locations nationwide through the CO-OP ATM Network. 9$5 monthly paper statement fee waived with eStatement enrollment.

Student loans & refinance
Rize Credit Union membership is required to apply for undergraduate and graduate lines of credit and to refinance your existing student loan(s). Federal student loans may qualify for payment and interest rate benefits that private student loans do not. Carefully consider your options before refinancing federal student loans, as they will no longer qualify for current and future federal benefits once refinanced with a private lender. For more information, visit studentaid.gov or contact your federal student loan servicer. 10Private student loans are subject to credit approval. Rates, terms, fees, and eligibility requirements vary and are shown during the application process. All loans are subject to annual review and credit qualification. Must meet school’s Satisfactory Academic Progress (SAP) requirements. Equal opportunity lender. 11When refinancing federal student loans, you will lose certain borrower benefits from your original loans. These may include interest rate discount, principal rebates, or some cancellation and/or forgiveness benefits that can significantly reduce the cost of repayment. Please consider these benefits carefully when considering your options for refinancing federal student loans. 12A 0.25% rate reduction may be available during full repayment by enrolling in automatic electronic payments. Terms, eligibility, and timing may vary by loan program.

Refer-a-Friend program
13Effective 5.1.2026, subject to change. The Rize Federal Credit Union (Rize CU) member making the referral (Referrer) will earn a $50 reward bonus for each individual they refer (Referred Person) to Rize CU who registers for the offer, opens a new Rize CU account, and completes the offer requirements within the time specified in the offer. To make a referral, the Referrer must register for the program and share the offer with their friends, family, or coworkers via the referral portal. When a Referred Person fulfills the offer requirements, they and the Referrer from the link used to accept the offer will receive a reward bonus. A Referrer may receive up to 10 reward bonuses ($500 value) within a calendar year. Visit our website to review the complete terms and conditions.

14APY = Annual Percentage Yield. APY reflects the effective rate earned due to compounding interest. Dividends are calculated on the Daily Balance Method.