United Community Credit Union University San Marcos TX | Low Mortgage Rates & Business Banking

Introduction

Welcome to University Credit Union, your trusted financial partner in the heart of San Marcos, TX! Located at 1190 Thorpe Ln, San Marcos, TX 78666, we have been dedicated to serving our community since 1936. With a solid commitment to our members, we now proudly support over 391,000 individuals and families, helping them achieve their financial goals with confidence. At University Credit Union, we take pride in our robust financial standing. Our total assets amount to a remarkable $4,100,757,196, with total deposits reaching $210,923,091. This strong foundation allows us to offer competitive loan options totaling 169,021, ensuring that you have access to the funds you need for personal or business endeavors. With a net worth of $372,973,611 and cash in hand totaling $133,737,475, we stand ready to support you with services tailored to meet your needs. Our leadership team is committed to fostering a member-focused environment. Under the guidance of CEO Michael Crowl and Board President Laura Kilcrease, we strive to create innovative solutions that empower our members financially. Our dedicated staff of over 770 employees is always available to assist you with personalized service and expert advice. While members can visit us at our branch location for all their banking needs be it checking accounts or loans official correspondence should be sent to our mailing address: PO Box 9350, Austin, TX 78766. We invite you to experience the difference that comes from being part of a credit union that genuinely cares about your financial well-being. Whether you're looking for auto loans, personal banking options, or business services, we're here for you! Feel free to call us at 512-467-8080 or visit our website at ufcu.org for more information on how we can help you thrive financially. Join us today and let's build a brighter future together!

Branch History & Mission

Join Us

We invite you to become part of the University family! Experience firsthand how we can help you achieve your financial goals while making a difference in our community. If you're ready to take the next step towards financial wellness, don't hesitate to reach out at 512-467-8080 or visit us online at ufcu.org. Together, let's build a brighter future!

Our Evolution

From humble beginnings, University has blossomed into a trusted financial institution with a total membership of 391,419. Over the years, we have consistently prioritized our members' needs and adapted to meet their changing lifestyles. Today, we manage assets totaling over $4,100,757,196, demonstrating our commitment to sound financial practices and growth. Our journey is marked by significant milestones that reflect our dedication to innovation and service. We have introduced digital banking solutions such as online banking and mobile applications, ensuring that our members have convenient access to their accounts anytime, anywhere. We also provide essential services like ATM availability and drive-thru banking for added convenience. Our operating hours are tailored to fit busy schedules: Monday through Friday from 10 AM to 6 PM and Saturday from 10 AM to 2 PM.

Our Mission

At University, our mission is clear: we aim to empower individuals and families by providing accessible financial services while actively supporting the local community. We believe that financial success should be within everyone's reach, which is why we offer a range of products including personal banking options, auto loans, mortgage solutions, credit cards with rewards, and business banking services. Moreover, we strive to make a positive impact beyond banking. Our community outreach programs are designed to uplift and support various local initiatives. Whether it's partnering with schools or sponsoring local events, we are committed to being more than just a financial institution; we're your neighbor invested in your success. While members can visit us at 1190 Thorpe Ln, official correspondence should be sent to PO Box 9350, Austin, TX 78766 if you need assistance or have inquiries.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is essential for all our members. Our branch is ADA compliant, featuring ramps and designated parking spots to ensure everyone can access our services comfortably. We offer convenient drive-thru banking for quick transactions without leaving your vehicle. Plus, our ATM is available for those who prefer self-service options.

Call-to-Action

We invite you to visit us at the University branch today or give us a call at 512-467-8080 if you have any questions. Our friendly team is eager to assist you with all your banking needs!

Nearby Landmarks

Nestled in the vibrant community of San Marcos, our branch is just a stone's throw away from popular spots like Texas State University and the bustling downtown area. This prime location ensures you can easily fit a visit into your day, whether you're heading to class or exploring the local shops.

Operating Hours

At University branch, we want to be there when you need us. Our lobby hours are Monday through Friday from 10 AM to 6 PM and Saturday from 10 AM to 2 PM. Feel free to swing by during these times we're here to help!

Services Offered

Our dedicated staff provides a wide array of services tailored to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Looking for business banking options? We offer merchant services and business loans too! With online and mobile banking available, managing your finances has never been easier. For official correspondence, please note that while our physical location is at 1190 Thorpe Ln, any mail should be sent to PO Box 9350 in Austin, TX.

Member Eligibility

Joining University is like stepping into a welcoming community where your financial well-being is our priority. If you're wondering about membership, we're excited to tell you that becoming a member is straightforward! Generally, individuals who live, work, or attend school in the area are eligible to join. This means that whether you're a longtime resident or a newcomer to the neighborhood, we'd love to have you on board. Membership at University opens up a world of benefits including competitive loan rates and personalized service tailored just for you. To get all the specific details about eligibility, feel free to check out our resource at http://www.ufcu.org/personal/loans/ut-golf-club-membership . Ready to open an account? It's as easy as pie! You can begin the process online by visiting http://www.ufcu.org/open-account , or if you prefer a personal touch, give us a call at (512) 467-8080. Our friendly staff is here to guide you every step of the way. We can't wait to welcome you to University, located at 1190 Thorpe Ln San Marcos Tx 78666, where you'll find not just banking services but also a community that cares!

Business Banking & Commercial Services

Merchant Services That Make Transactions Easy

In addition to loans, our merchant services simplify your payment processes, allowing you to focus on what matters running your business. Imagine having a reliable partner that helps you accept payments seamlessly, whether in-store or online. This flexibility not only enhances customer satisfaction but also boosts your cash flow. Visit us at 1190 Thorpe Ln San Marcos Tx 78666 in San Marcos, TX, or call us at (512) 467-8080 to learn how our business banking solutions can empower your entrepreneurial journey. We're here to help you succeed!

Tailored Loan Options for Growth

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

Accessibility and Support

At University, we believe in making banking accessible for everyone. Our branch is equipped with an ATM for easy cash withdrawals and balance checks, ensuring that you have the resources needed at your fingertips. Our friendly staff is always ready to assist you during regular business hours: Monday through Friday from 10 AM to 6 PM and Saturday from 10 AM to 2 PM. If you're ready to explore how we can assist with your financial journey, give us a call at (512) 467-8080 or visit us at 1190 Thorpe Ln San Marcos Tx 78666 in San Marcos. Join our community today and experience banking that truly puts you first!

Business Banking

For those running their own businesses, University offers specialized services like Merchant Services & Business Loans to help you grow and manage your business effectively. We understand that every business is unique, so our team is here to provide personalized support tailored to your specific needs.

Digital Banking and Convenience

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features at San Marcos. With Online & Mobile Banking, you can access your accounts anytime, anywhere. Our user-friendly platform allows for easy money transfers, bill payments, and account management right from your smartphone or computer. We also offer ATM & Cash Withdrawal Services for quick cash access when you need it most. For simple transactions such as deposits and withdrawals, take advantage of our Basic Drive-Thru Banking service.

Personal Banking

Our personal banking services are designed with you in mind. Whether you're opening a Checking or Savings Account, we make it easy for you to manage your finances. You can also take advantage of our Auto Loans & Vehicle Financing options, which help you get behind the wheel without breaking the bank. If you're looking to purchase a home or refinance your current mortgage, our Mortgage Loans & Refinancing services provide competitive rates and flexible terms. Sometimes life throws unexpected expenses your way, and that's where our Personal Loans & Debt Consolidation options come into play. We aim to help you regain control over your finances with manageable repayment plans and low-interest rates. Plus, with our Credit Cards with Rewards, you can earn benefits while making everyday purchases!

Digital & Online Banking

Accessibility and Security

We understand that safety is a top priority for our members. Our digital banking platform employs advanced security measures to protect your personal information while providing an intuitive user experience. You can feel confident knowing that your data is secure while you manage your accounts in real time. Whether you're using our mobile app or accessing online banking through your computer, University is here to support you every step of the way. Experience the convenience and efficiency of digital banking today!

Key Features

Our online banking services are available 24/7 at https://www.ufcu.org/ , ensuring that you can handle your banking needs whenever it suits you. Whether you're checking your balance, paying bills, or reviewing recent transactions, everything is right at your fingertips. For added convenience, we offer e-statements, allowing you to receive your account statements electronically. This not only helps keep your information secure but also reduces paper clutter. Plus, with our electronic signature authorization, signing documents online has never been easier. Managing payments is a breeze with our person-to-person transfers feature. You can quickly send money to friends or family without needing cash or checks perfect for splitting bills or sending gifts. And if you prefer to use your smartphone for transactions, our user-friendly mobile application makes banking on the go simple and secure.

Financial Strength

Commitment to 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 lending capacity is robust, with $54,041 in used auto loans and $3,073,049,909 in total loans and leases supporting your financial goals across various sectors.

Growing Trust

Total Share Accounts stand at 706,304, showing a strong and growing member base that trusts us with their finances. This reflects the community's confidence in University, and we're honored to be your partner in achieving your financial dreams. 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 1190 Thorpe Ln San Marcos Tx 78666 or call (512) 467-8080 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Member-Focused Savings

Members' savings are secured through $492,140,513 in share certificates and $641,307,695 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $17,930,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency shines through with a net income of $0, which enables 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.

Strong 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 $925 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

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 vehicle or need a loan for a reliable used car, we have options tailored to your needs.

Business Loans

For business owners, our outstanding commercial loans totaling $142,289,128 provide the capital needed to grow and expand. We understand that every business has unique needs, and we're here to help you find the right financing solution. If you're considering refinancing any of these options, or if you're curious about eligibility requirements, feel free to reach out! You can contact us at (512) 467-8080 during our operating hours: Monday through Friday from 10 AM to 6 PM and Saturday from 10 AM to 2 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At University, we're dedicated to supporting your financial growth with our array of loan products. Stop by today or visit us online at https://www.ufcu.org/ to learn more about how we can assist you!

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 provide guidance throughout the process to ensure you find the best fit for your situation.

Unsecured Credit Card Loans

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. These cards come with great benefits that can help you handle both everyday purchases and larger expenses without the worry of secured collateral.

Loan Aggregator

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UNIVERSITY FEDERAL CREDIT UNION