United Community Credit Union University Austin TX | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to University Credit Union, your trusted financial partner located at 4611 Guadalupe St, Austin, TX 78751. Established in 1936, we have proudly served our community for over 85 years, fostering a spirit of collaboration and support among our 391,419 members. Our commitment to providing exceptional service is reflected in our impressive financial standing, with total assets amounting to a robust $4,100,757,196 and total deposits reaching $210,923,091. At University Credit Union, we understand that your financial journey is unique. That's why we offer a range of personal banking services tailored to meet your needs from checking and savings accounts to auto loans and mortgage options. With 770 dedicated employees working hard every day, led by our CEO Michael Crowl and Board President Laura Kilcrease, we ensure that you receive the best support possible. While you can visit us at our branch on Guadalupe Street for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 9350, Austin, TX 78766. Your trust is important to us. With a net worth of $372,973,611 and cash in hand totaling $133,737,475, we are financially sound and equipped to help you achieve your goals. Whether you're looking for a new vehicle or planning for the future with savings plans and loans, we are here to guide you every step of the way. Feel free to reach out at 512-467-8080 or visit our website at www.ufcu.org for more information about our services. Join us today and experience the difference that a dedicated credit union can make in your financial life!

Branch History & Mission

Commitment to Service

We understand that accessibility is key. That's why we offer a range of services designed with our members in mind whether it's through our drive-thru banking available Monday through Saturday or our shared service center that allows for basic transactions across partner credit unions. Members can also enjoy convenient ATM access at various locations. While you can visit us at 4611 Guadalupe St Austin Tx 78751, please note that any official correspondence should be sent to PO Box 9350, Austin, TX 78766 if it differs from our branch address.

Join Us

As we look forward to the future, we invite you to become part of our growing family at University. Experience firsthand how we prioritize your financial well-being while making a meaningful impact in the community. If you're ready to take the next step towards financial empowerment, visit us or call us at (512) 467-8080. Together, let's achieve your financial goals!

Our Evolution

From our humble beginnings, we have remained committed to providing exceptional service and support to our community. Each milestone in our history reflects our dedication to innovation and member satisfaction. As technology evolved, so did we; today, we offer online banking services and mobile applications that make managing your finances easier than ever. Our mission is simple yet profound: to enhance the lives of our members by providing them with financial solutions tailored to their unique needs. We believe in empowering individuals and families through personal banking options, including checking and savings accounts, auto loans, mortgage loans, and more. At University, we also take pride in being a part of the community by engaging in outreach programs that support local initiatives.

Branch Location & Accessibility

Welcome to the University branch of your local credit union! Conveniently located at 4611 Guadalupe St in Austin, TX, our branch is here to serve you with friendly faces and helpful services. Whether you're stopping by to open a new account or simply need assistance with your banking needs, we're just a stone's throw away from popular spots like the University of Texas campus and the vibrant shops along Guadalupe Street. While members can visit us at our main location, any official correspondence should be directed to our mailing address at PO Box 9350, Austin, TX 78766. We strive to make your experience as easy as possible, which is why our branch features ample parking and is fully ADA compliant for easy access. Our lobby hours are designed to fit into your busy schedule. Join us Monday through Friday from 9 AM to 5 PM, and on Saturdays from 10 AM to 2 PM. If you prefer drive-thru banking, we've got you covered there too our drive-thru is open Monday through Friday from 7 AM to 7 PM and Saturday from 9 AM to 2 PM. At the University branch, we offer a variety of banking services including personal checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and more. Need cash? Our ATM is readily available for your convenience. Plus, if you are a member of another credit union that partners with us, take advantage of shared services for basic transactions. For any questions or assistance, feel free to give us a call at 512-467-8080. We can't wait to welcome you in!

Member Eligibility

At University, we believe that becoming a member is like joining a close-knit community where you can feel valued and supported. If you're looking to become part of our family, eligibility is quite simple! Anyone who lives, works, attends school, or worships in the area can join us. We're dedicated to serving our members with personalized financial solutions, whether you're interested in savings accounts, loans, or other services designed just for you. To learn more about the specific eligibility criteria, feel free to visit our detailed page at http://www.ufcu.org/personal/loans/ut-golf-club-membership. Opening an account is a breeze! Just head over to http://www.ufcu.org/open-account to get started. If you have any questions or need assistance, don't hesitate to reach out at (512) 467-8080. Our friendly team at 4611 Guadalupe St Austin Tx 78751 is here to help you every step of the way as you embark on your journey with us at University.

Business Banking & Commercial Services

Merchant Services That Matter

Imagine running your business without the hassle of complicated payment processes. Our merchant services offer easy solutions that help streamline transactions, allowing you more time to focus on what you love your business. From credit card processing to point-of-sale systems, we provide tools that make handling sales simple and efficient. Located at 4611 Guadalupe St Austin Tx 78751, Austin, TX, our team is ready to partner with you to create a financial strategy tailored specifically to your needs. Call us at (512) 467-8080 or visit us today to learn how we can help your business thrive!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $110 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $142,289,128, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans offer competitive rates and flexible terms to help you drive away in your dream vehicle without breaking the bank. We understand that financing can be overwhelming, so our friendly staff is here to guide you through every step of the process.

Business Banking

For entrepreneurs and small businesses, we offer business banking services including merchant services and business loans. We understand how vital it is for businesses to have reliable financial support, so we strive to provide solutions that help you thrive.

Convenient Access

At University, we also have ATM services for cash withdrawals and basic transactions available 24/7. For quick visits, our drive-thru service allows for deposits and withdrawals without leaving your car ideal for those busy mornings. Additionally, if you're a member of partner credit unions, take advantage of shared branch transactions where you can easily make deposits or withdrawals.

Credit Cards with Rewards

Don't miss out on our credit cards that come with rewards! Perfect for those who love to earn points while shopping or dining out. Enjoy benefits that can enhance your everyday spending.

Get Started Today!

With all these services at your fingertips, it's easier than ever to manage your finances at Guadalupe. If you have any questions or need assistance, feel free to call us at (512) 467-8080. We're here to help you navigate through all your financial needs with care and dedication. Join us today and experience the difference at University! Your financial well-being is our priority.

Mortgage Loans & Refinancing

If owning a home is on your agenda, explore our mortgage loans and refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage, we provide personalized solutions that make homeownership more accessible.

Personal Banking

Our personal banking services include checking and savings accounts designed to fit your lifestyle. Need easy access to your money? With our online and mobile banking options, managing your finances is just a click away. You can check your balance, transfer funds, or pay bills from anywhere perfect for busy individuals on the go!

Digital & Online Banking

Key Features

One standout feature is our electronic signature authorization. This allows you to sign documents securely online without needing to visit a branch. Say goodbye to paper forms and hello to hassle-free transactions! If you're looking to keep track of your finances, we offer e-statements that give you easy access to your account statements right from your device. No more waiting for mail; get your statements delivered straight to your inbox. For those who prefer using their smartphones, our mobile application makes banking a breeze. You can manage your accounts, deposit checks, and even send money through person-to-person transfers with just a few taps. While mobile payments are currently not available, our commitment to providing excellent service remains strong. You can still enjoy features like real-time account management and direct transfers between friends or family members easily. At University, we strive to empower our members with tools that enhance their banking experience. Whether you're at home or out and about, rest assured that managing your money has never been easier or more secure!

Financial Strength

Financial Health

With a net worth of $372,973,611, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.25% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Growing Membership Base

Our commitment to serving our community is reflected in the 706,304 total share accounts we manage a testament to the growing trust our members place in us. This strong member base fuels our ability to provide excellent service tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, University is your trusted partner. Visit us at 4611 Guadalupe St Austin Tx 78751 or call (512) 467-8080 to learn more about how we can help you achieve your financial goals.

Member Savings

Your savings are secure with us. We proudly hold $492,140,513 in share certificates and $641,307,695 in money market shares, providing stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members; with non-member deposits at $17,930,000, we focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency shines through with a net income of $8,342,577, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 758 full-time employees and 12 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $363,477,269 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our robust lending capacity supports your financial goals with $54,041 in used auto loans and $3,073,049,909 across various sectors.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $980,445,268 in used vehicle loans and $318,757,723 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, our team is ready to assist you through every step of the process.

Credit Options

Managing everyday expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $166,181,125 in loans helping members manage their finances effectively, our credit cards come with rewards and benefits designed for everyday use. For those looking for larger financing solutions, our outstanding commercial loans totaling $142,289,128 provide business owners with the capital needed to grow and expand.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $157,315,348, make buying or refinancing simple. We can guide you through various options that suit your budget and long-term plans, ensuring you make informed decisions about your investment.

Refinancing and Eligibility

If you're considering refinancing an existing loan or want to explore eligibility options, don't hesitate to reach out. Our knowledgeable team is here to help you assess your current situation and find the best solution tailored just for you. You can reach us at (512) 467-8080 or visit us at our branch located at 4611 Guadalupe St Austin Tx 78751 in Austin, TX. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you achieve your financial dreams!

Loan Aggregator

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UNIVERSITY FEDERAL CREDIT UNION - Austin, TX

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