University Credit Union Miami FL | Best Auto Loans & Business Banking

Introduction

Welcome to University, your trusted financial partner located at 1611 Nw 12Th Ave, Miami, FL 33136. Since our founding in 1947, we have been dedicated to serving our community with integrity and a personal touch. With over 15,236 members and total assets amounting to an impressive $242,997,208, we pride ourselves on providing robust financial services tailored to meet the unique needs of our members. At University, we understand that banking isn't just about numbers; it's about building relationships. Our team of 43 dedicated employees, led by CEO Albert Rose and Board President Scott Ingold, is here to ensure you feel valued and supported every step of the way. Whether you're looking for checking accounts, auto loans, or mortgage options, we've got you covered with competitive rates and personalized service. For your convenience, while you can visit us at our branch location, official correspondence should be directed to our mailing address at 13241 SW 136th St, MIAMI, FL 33186. We also offer modern banking solutions like online banking and mobile payments to help you manage your finances easily. With total deposits of $48,845,873 and a net worth of $23,747,001, we are committed to maintaining a strong financial foundation that benefits all our members. Our goal is not just to provide financial products but also to empower you through education and resources that help you make informed decisions. Ready to experience banking with a difference? Feel free to reach out to us at 786-425-5006 or visit our website at University Credit Union for more information. We look forward to helping you achieve your financial goals!

Branch History & Mission

Community Commitment

Community outreach is at the core of what we do. We partner with local organizations to support initiatives that uplift residents in Miami and surrounding areas. Whether it's participating in local events or providing financial literacy workshops, we aim to make a positive impact beyond just banking. While members can visit us at 1611 Nw 12Th Ave Miami Fl 33136, official correspondence should be sent to 13241 SW 136th St, MIAMI, FL 33186 if it differs from our branch address. We invite you to connect with us during our operating hours from Monday to Friday, 9:00 AM - 5:00 PM. Additionally, for your convenience, we offer ATM availability on-site. As we continue on this journey together, we encourage you to join our growing family at University. Experience firsthand the benefits of being part of a credit union that truly cares about your financial well-being and community development. Together, let's build a brighter future! For more information about joining us or our services, feel free to reach out at (786) 425-5006 or visit us online at https://ucumiami.org/ .

Our Mission

At University, our mission is simple yet profound: to empower individuals and families through accessible financial solutions while fostering a sense of belonging within the community. We believe that everyone deserves the opportunity to achieve their financial goals, whether it's buying a home, financing education, or planning for retirement. Our team is committed to providing personalized guidance every step of the way. We take pride in offering services such as checking and savings accounts, mortgage loans, credit cards with rewards, and business banking options. Our digital offerings include online and mobile banking for convenience, ensuring that our members can manage their finances anytime, anywhere.

Branch Location & Accessibility

Connect with Us

If you have any questions or would like more information about our services ranging from personal banking to business loans don't hesitate to give us a call at 786-425-5006. While members can visit us at our branch address for in-person services, please note that official correspondence should be directed to our mailing address at 13241 SW 136th St, Miami, FL 33186. We invite you to stop by the University branch today and experience the personalized service and community focus that sets us apart. Your financial well-being is our priority!

Easy Access and Friendly Features

Our location offers ample parking, making it simple to pop in for all your banking needs. We are proud to be ADA compliant, featuring ramps and accessible entrances so that everyone can visit us comfortably. Whether you're stopping by to open an account, apply for a loan, or just ask a question, our friendly staff is ready to assist you. We're open Monday through Friday from 9:00 AM to 5:00 PM, providing flexible hours that fit into your busy schedule. While we do not have drive-thru service, we do offer ATM availability right at our branch for your convenience. Need assistance after hours? Our online and mobile banking services make it easy to manage your finances anytime.

Member Eligibility

At University, we believe that everyone deserves to be part of a caring community that looks out for your financial well-being. Joining us is simple and welcoming! To become a member, you just need to meet a few basic eligibility criteria which often include living, working, or studying in the area around 1611 Nw 12Th Ave Miami Fl 33136. We welcome individuals from various walks of life, making it easy for you to access our range of services designed to help you thrive. Becoming a member at University opens the door to numerous advantages, including competitive loan rates, personalized service, and a host of banking products tailored just for you. If you're ready to take this step or want more details on membership eligibility, feel free to give us a call at (786) 425-5006 or visit our website for the latest information: . Joining is just the beginning of your journey with us!

Business Banking & Commercial Services

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 $1 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $17 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $2,779,220, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

Beyond loans, we provide merchant services that streamline payment processes, allowing you to focus on what matters most running your business. Whether you're accepting payments online or in-store, our services are designed to enhance customer experiences while keeping transactions secure. Visit us at 1611 Nw 12Th Ave Miami Fl 33136 in Miami, FL, or give us a call at (786) 425-5006 to learn how our business banking and commercial services can support your success!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're dreaming of a new car, our auto loans and vehicle financing options are here for you. Whether you're looking for a brand-new ride or a reliable used vehicle, we provide competitive rates and flexible terms tailored to fit your budget. Imagine driving off the lot in your new car without the stress of high payments!

Business Banking Solutions

For our entrepreneurial members, we offer robust business banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your business journey every step of the way.

Credit Cards with Rewards

With our credit cards featuring rewards, every purchase brings added benefits. From cashback offers to travel perks, using our card means getting more value from your spending. It's just one more way we help you maximize your financial choices.

Home Financing Made Simple

Buying a home is one of the biggest decisions you'll ever make, and we want to make it easier for you. Our mortgage loans and refinancing options give you the opportunity to secure favorable rates and terms that suit your financial goals. Let us help guide you through the process so that your dream home becomes a reality.

Online & Mobile Banking Convenience

In today's fast-paced world, managing your finances on-the-go is vital. Our online and mobile banking services make it simple to check balances, transfer funds, or pay bills right from your smartphone or computer anytime, anywhere. With these tools at your fingertips, taking charge of your finances has never been easier! We invite you to explore all these services and more at Medical Center. If you're ready to take control of your financial future or have any questions about how we can assist you further, don't hesitate to reach out! Call us at (786) 425-5006 or visit us in person at 1611 Nw 12Th Ave Miami Fl 33136. Your journey towards better banking starts here!

Personal Banking Solutions

Managing your money should be easy, and with our personal banking options, it is. Open a checking or savings account with us and enjoy features designed to simplify your finances. We understand that life can be unpredictable, so having access to funds quickly is crucial. Our ATM services allow you to withdraw cash or check your balance conveniently, ensuring you have what you need when you need it.

Personal Loans for Every Need

Need some extra cash? Our personal loans and debt consolidation options can help you tackle unexpected expenses or combine existing debts into one manageable payment. Picture yourself stress-free as you pay off bills, fund a vacation, or handle emergency repairs all with support from our friendly staff.

Digital & Online Banking

Always Accessible

We know life doesn't stop after hours, which is why our online banking services are available 24/7. Whether you're checking your balance late at night or making a payment early in the morning, we're here for you whenever you need us. In short, at University, we strive to make banking as easy and accessible as possible. Experience the freedom of managing your finances digitally while enjoying peace of mind knowing that security is always a top priority. Join us today and take advantage of all our digital services!

Key Features

One of the highlights of our digital banking is the availability of e-statements. You can opt for electronic statements at no extra cost, allowing you to keep track of your transactions without the clutter of paper. Plus, if you ever need to sign documents electronically, we offer electronic signature authorization for added convenience. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick to send funds directly from your account. And if you're always on the move, you'll love our mobile application, which lets you manage your finances right from your smartphone. With mobile payments enabled, making purchases has never been easier just tap and go!

Financial Strength

Growing Community Trust

Total Share Accounts: 23,103, show a strong and growing member base that trusts us with their finances. This trust reinforces our mission of being your reliable financial partner. 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 1611 Nw 12Th Ave Miami Fl 33136 or call (786) 425-5006 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 $33,069,838 in share certificates and $31,616,308 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $654,707, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 42 full-time employees and 1 part-time employees. Our dedicated team is always ready to serve you with the knowledge and commitment you deserve.

Reinvestment for Growth

With $20,571,875 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; we have $380 in used auto loans and $97,845,892 in total loans and leases available to support your financial goals across various sectors.

Solid Financial Health

With a net worth of $23,747,001, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation supports our commitment to providing you with the best possible banking experience. Additionally, our net worth ratio of $976 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 $5,490,819 in used vehicle loans and $6,834,517 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates designed to fit your budget.

Business and Commercial Loans

For business owners, our outstanding commercial loans totaling $2,779,220 provide the capital needed to grow and expand your business. Whether you're starting a new venture or looking to enhance your existing operations, we are here to support you. Additionally, if you're considering refinancing any of your current loans, we can help explore eligibility options that may save you money over time. 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 are committed to providing personalized service and competitive rates. Stop by or give us a call today to learn more about how our loan offerings can help you meet your financial objectives!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $10,401,869, make buying or refinancing simple. We guide you through every step of the process, ensuring you find the right loan for your needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $9,503,067 in loans helping members manage their finances effectively. Our credit cards come with rewards that can benefit your everyday spending.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This means that every loan offer you see is fair and transparent, helping you find the best options available.

UNIVERSITY CREDIT UNION

Type of Loan Offerings

Personal Loans

Vehicle Loans