University Credit Union Miami FL | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to University, your trusted financial partner located at 13241 SW 136th St, Miami, FL 33186. Since our establishment in 1947, we have dedicated ourselves to serving our community with integrity and commitment. With a proud membership of over 15,236, we are more than just a credit union; we are a family that believes in empowering each member's financial journey. At University, we understand the importance of having reliable banking solutions at your fingertips. That's why we offer a wide range of services including personal banking, auto loans, mortgage options, and business banking. Our total assets amount to an impressive $242,997,208, reflecting our strong financial foundation and ability to serve you better. Our leadership team is committed to making a difference. Under the guidance of our CEO, Albert Rose, and Board President, Scott Ingold, we strive to foster an environment where every member feels valued and supported. We take pride in our dedicated staff of 43 employees, ready to assist you during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 12:00 PM. For your convenience, you can also reach us by phone at 786-425-5000 or explore our services online at universitycu.org. While members can visit us at our branch for in-person assistance, official correspondence should be sent to the same address. Join us today and experience the personalized service that sets University apart. Whether you're looking for guidance on loans or want to open a new account, we're here for you every step of the way!

Branch History & Mission

Community Engagement

Our credit union prides itself on being more than just a financial institution; we are deeply rooted in the Miami community. We actively seek partnerships that allow us to support local initiatives and outreach programs aimed at improving lives and empowering individuals through education and resources. As we look ahead, we invite you to join us on this journey. Experience firsthand how University Credit Union can help you reach your financial dreams while making a positive impact in our community. Together, we can build a brighter future for all. For more information about membership or services offered, please call us at 786-425-5000 or visit our website at ucumiami.org. Join us today and become part of something greater!

Our Mission

At University Credit Union, our mission goes beyond just offering financial products. We are committed to enhancing the lives of our members by providing access to affordable financial solutions while fostering a sense of belonging within the community. We believe that everyone deserves the chance to achieve their financial goals, whether it's purchasing a new home or financing a vehicle. Our services include everything from checking and savings accounts to auto loans and business banking solutions. We understand that accessibility is key. That's why we offer convenient operating hours from Monday to Friday, 9:00 AM to 5:00 PM and on Saturdays from 9:00 AM to 12:00 PM along with drive-thru banking for quick transactions. Our ATM is also readily available for those who prefer cash withdrawal options. While you can visit us at 13241 Sw 136Th St, official correspondence should be directed to 13241 SW 136th St, MIAMI, FL 33186-5822 if necessary.

Branch Location & Accessibility

Banking Services

At University, we offer a wide range of services tailored to meet your banking needs. From personal banking solutions like checking and savings accounts to auto loans and credit cards with rewards, we have options for everyone. Enjoy the ease of online and mobile banking as well!

Convenient Access and Features

Nestled in Miami-Dade County, our branch is close to local landmarks that make it easy for you to find us. With ample parking available, you can park with ease and head inside without any hassle. We also prioritize accessibility; our facilities are ADA compliant, ensuring everyone can enjoy our services comfortably. While members can visit us at 13241 SW 136th St, official correspondence should be sent to the same address for your convenience.

Get in Touch

Have questions or need assistance? Don't hesitate to reach out! You can call us at 786-425-5000 or simply drop by during our operating hours. We look forward to welcoming you at the University branch where your financial journey begins!

Operating Hours

Our friendly team is ready to serve you Monday through Friday from 9:00 AM to 5:00 PM, and on Saturdays from 9:00 AM to 12:00 PM. If you prefer to use our drive-thru service, it's available during the same hours for quick deposits and withdrawals.

Member Eligibility

Becoming a member of University is like opening the door to a supportive community where your financial needs are prioritized. To join us, you typically need to live, work, worship, or attend school in the Miami-Dade area. We welcome a variety of individuals and families, so whether you're just starting out or looking to grow your financial future, there's a place for you here. If you're curious about the full eligibility criteria, feel free to check out more details at . Opening an account with us is straightforward and welcoming. You can reach out to our friendly team at (786) 425-5000, or simply stop by our branch located at 13241 Sw 136Th St Miami Fl 33186 during business hours. We're here to guide you through every step of the process and help you enjoy the many benefits that come with being a member of University. From personal banking services to tailored loans, we have everything you need to thrive financially!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial backing to invest in new equipment, hire additional staff, or open a new location. 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

In addition to loans, we offer merchant services that make transactions easier for your customers. Imagine a busy Saturday where your point-of-sale system works flawlessly, allowing you to serve more customers without delays. Our reliable merchant services provide everything from payment processing to invoicing, ensuring you can focus on what really matters growing your business. Visit us at 13241 Sw 136Th St Miami Fl 33186, Miami, FL or call us at (786) 425-5000 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, we offer business banking services that include merchant services and business loans. We know how important it is for businesses to have reliable financial support, so we strive to provide products that foster growth and stability.

Convenience at Your Fingertips

At University, convenience is key. Whether you're accessing basic drive-thru banking for quick deposits and withdrawals or using our mobile payments feature for on-the-go transactions, we aim to make your banking experience as smooth as possible. You can even conduct simple transactions at our ATMs like balance checks and cash withdrawals without any hassle. We invite you to visit us at 13241 Sw 136Th St Miami Fl 33186 in Miami, FL or give us a call at (786) 425-5000 during our operating hours: Monday through Friday from 9:00 am to 5:00 pm and Saturday from 9:00 am to 12:00 pm. Discover how our comprehensive suite of services can help you achieve your financial goals today!

Loans for Your Needs

If you're considering buying a new vehicle or refinancing an existing loan, our auto loans and vehicle financing options are here to help. With competitive rates and flexible terms, we make it easier for you to drive off in the car of your dreams. For those looking to buy a home or refinance their current mortgage, our mortgage loans provide personalized service and expert guidance every step of the way. In addition, if you're facing unexpected expenses or want to consolidate debt, our personal loans offer a practical solution. Our credit cards with rewards are another great option; they not only allow you to make purchases but also earn points that can be redeemed for various perks.

Personal Banking

When it comes to personal banking, we offer checking and savings accounts designed to fit your lifestyle. Imagine having easy access to your funds through our user-friendly online and mobile banking platforms. You can check balances, transfer money, and pay bills right from your smartphone or computer. Plus, with our ATM and cash withdrawal services available throughout the area, you'll never be far from your money.

Digital & Online Banking

Key Features

With our online banking platform, accessible at https://ucumiami.org/ , you can check your account balance, transfer money, and pay bills anytime you need to. Our user-friendly interface ensures that all your banking needs are just a click away. Plus, with 24/7 online banking services, you'll have access to your accounts whenever it suits you. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick, allowing you to send funds directly from your account without the hassle of cash or checks. For those who prefer mobile solutions, our mobile application gives you the freedom to manage your finances right from your smartphone. And if you're someone who loves using digital wallets, rest easy knowing that we offer mobile payments for added convenience.

Security and Accessibility

We take security seriously at University. Your data is protected with advanced security measures so you can bank confidently. While electronic signature authorization is not available at this time, we provide e-statements so you can keep track of your transactions safely and easily. In a world where every minute counts, our digital banking tools are designed to help you stay on top of your financial goals while ensuring peace of mind. With features like mobile payments and easy access through our app, managing your finances has never been easier or more secure. Experience the future of banking today with University!

Financial Strength

Commitment to 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 supports members' financial goals across various sectors with $380 in used auto loans and $97,845,892 in total loans and leases. Our operational efficiency is reflected in our $654,707, enabling 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Membership Trust

Total Share Accounts: 23,103, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $0, reinforcing our ability to support your needs effectively. 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 13241 Sw 136Th St Miami Fl 33186 or call (786) 425-5000 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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.

Solid Financial Foundation

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. 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. Whether you're interested in financing a new or used vehicle, our team is here to guide you through the process and find a loan that fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $2,779,220 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing business, our dedicated staff is ready to assist you every step of the way.

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 provide personalized support throughout the mortgage application process, ensuring you have all the information needed to make an informed decision.

Refinancing Options

If you're considering refinancing any existing loans, we can help assess your current financial situation and explore options that may save you money. Our goal is to ensure that you feel confident in your borrowing decisions. At University, we pride ourselves on being more than just a lender; we're your partners in achieving financial success. For any questions or assistance regarding our loan offerings, don't hesitate to reach out at (786) 425-5000. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward fulfilling your financial aspirations!

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. These credit cards can be a great way to build credit while enjoying perks and rewards tailored for our members.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what is available to you. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: You will find up-to-date loan rates from multiple institutions, allowing you to compare options easily and choose what fits your needs best. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" With these features in mind, you can feel confident that you're getting a complete view of your options without any hidden agendas. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

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 ), ensuring fair and transparent offers. Each financial institution listed has been thoroughly vetted to guarantee the accuracy and reliability of their loan offerings.

UNIVERSITY CREDIT UNION

Type of Loan Offerings

Personal Loans

Vehicle Loans