University Credit Union Austin TX | Low Mortgage Rates & Rewards Cards

Introduction

Welcome to University, a trusted name in financial services since 1936. Located at 1601 Trinity St Stop A, Austin, TX 78712, our branch is proud to serve a thriving community of over 391,000 members. At University, we believe in empowering our members with the resources they need to achieve their financial goals. With total assets exceeding $4.1 billion and deposits amounting to $210,923,091, we stand as a pillar of strength and stability in your financial journey. As a member-owned credit union, we prioritize your needs above all else. Our dedicated team, led by CEO Michael Crowl and Board President Laura Kilcrease, ensures that every decision we make is geared toward enhancing your banking experience. We take pride in offering a wide array of services including personal banking, auto loans, mortgage refinancing, and business banking solutions tailored just for you. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 8303 N Mo Pac Expy, Austin, TX 78759-8501. We invite you to explore our offerings on our website here, where you can find information about opening an account or applying for loans. At University Credit Union, we are not just about numbers; we are about people and community impact. With a net worth of $372,973,611 and cash reserves of $133,737,475, we are well-equipped to support you through various financial situations. Whether it's securing a loan from our total of 169,021 loans and leases or accessing personalized service from any of our 770 employees, we are here for you. Experience the difference that comes with being part of a community-focused credit union. Call us at 512-467-8080 or visit us today to see how we can help you thrive financially!

Branch History & Mission

Join Us

As we look ahead, we invite you to become part of the University family. Whether you're looking for a personal loan or want to open an account, we're here to guide you every step of the way. Explore the benefits of membership today by visiting us or checking out our website at https://www.ufcu.org/. Join us in creating a brighter financial future for yourself and your community! We can't wait to welcome you! For more information or assistance, feel free to call us at (512) 467-8080.

Our Journey

From the moment we opened our doors at 1601 Trinity St Stop A Austin Tx 78712, we have focused on providing exceptional financial services tailored to the needs of our community. Over the years, we have expanded our offerings, including personal banking, auto loans, mortgages, and business services, ensuring that everyone can find the right financial solutions with us. Our commitment to innovation is evident through digital advancements such as online banking and mobile applications, making it easier for members to manage their finances conveniently. While members can visit us at 1601 Trinity St Stop A Austin Tx 78712, official correspondence should be sent to 8303 N Mo Pac Expy, Austin, TX 78759-8501 if it differs. We encourage all community members to explore what we offer and discover how we can assist them on their financial journey.

Our Mission

At University, our mission is simple yet powerful: We strive to empower our members by offering accessible financial services while supporting local initiatives and fostering community growth. We believe that when our members succeed, so does the community as a whole. Through various partnerships and outreach efforts, we actively engage in projects that uplift those around us. Our operating hours are convenient for busy lifestyles; you can find us open from Monday through Friday, 8 AM to 4 PM. Although we currently do not have drive-thru services available at this location, we do provide ATM access for your convenience.

Branch Location & Accessibility

Welcome to the University branch of University, conveniently located at 1601 Trinity St Stop A Austin Tx 78712 in the vibrant city of Austin, TX. We understand how important it is for our members to have easy access to financial services, and we strive to provide just that. Whether you're stopping by for a quick transaction or seeking advice on your financial journey, our friendly team is here to help. Nestled near popular landmarks, our branch is easy to find and offers plenty of parking spaces for your convenience. Accessibility is a priority for us; our facility is designed to accommodate all members, featuring ADA-compliant entrances and pathways. If you need assistance while visiting, don't hesitate to reach out to one of our staff members they're always ready to lend a hand. Our operating hours are tailored to fit your busy schedule. We're open from 8 AM to 4 PM, Monday through Friday, making it simple for you to drop by before or after work or during lunch breaks. Plus, if you're on the go, we offer ATM services so you can manage your cash needs quickly and efficiently. While we do not currently have drive-thru banking available at this location, our ATM provides basic cash withdrawal services and balance checks. For those who may require shared services, please note that this branch does not offer them; however, we're equipped with a variety of personal banking options including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Should you need to send any official correspondence, please use our mailing address: 8303 N Mo Pac Expy, Austin, TX 78759-8501. We look forward to welcoming you at University! Feel free to call us at (512) 467-8080 if you have any questions or need further assistance. Your financial well-being is our priority!

Member Eligibility

Becoming a member of University is like joining a caring community that puts your needs first. If you're looking to be part of something special, we welcome anyone who lives, works, or studies in the area to join us. We also extend our membership to family members of existing members, making it easy for you to share the benefits with those you love. At University, located at 1601 Trinity St Stop A Austin Tx 78712, you'll enjoy personalized service and access to a range of financial products tailored just for you. To learn more about our eligibility criteria, check out this link: http://www.ufcu.org/personal/loans/ut-golf-club-membership. Getting started is simple! Just give us a call at (512) 467-8080 or visit us in person during our hours from Monday to Friday, 8 AM to 4 PM. Ready to open an account? You can find all the details on how to proceed by visiting http://www.ufcu.org/open-account. Join us today and discover how University can support your financial journey!

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 $110 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $142,289,128, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

In addition to loans, we provide essential merchant services that simplify payment processing for your business. Imagine a busy retail day where each transaction flows smoothly no hiccups or delays. Our tools ensure that you can focus on what you do best: serving your customers and growing your business. Whether you're looking to fund your next big project or streamline your payment processes, University is here to support your journey every step of the way. Reach out today at (512) 467-8080 to learn more about how we can help your business succeed!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans can help turn that dream into reality. We understand how important reliable transportation is, which is why we offer competitive rates on vehicle financing. Picture yourself cruising in your new ride, knowing you secured an affordable loan that fits your budget.

Business Banking

For entrepreneurs, our business banking services are essential tools for growth. We provide merchant services and business loans designed to support your venture's unique challenges and goals. Envision having a trusted financial partner by your side as you navigate the exciting journey of running a business.

Convenient Access

At University, we value convenience as much as you do. Our ATM services allow easy cash withdrawals and balance checks whenever you need them. Plus, with our online banking capabilities and person-to-person payment options, managing your money is just a click away. If you're ready to explore these services further or have any questions, feel free to reach out! You can contact us at (512) 467-8080 or visit us at 1601 Trinity St Stop A Austin Tx 78712 in Austin. Let's take the next step toward achieving your financial goals together!

Credit Cards with Rewards

Maximize your spending power with our credit cards that come with rewards. Whether it's cash back or points for travel, using our credit card can enhance your purchasing experience while allowing you to earn benefits on everyday expenses.

Mortgage Loans & Refinancing

If homeownership is on your radar, our mortgage loans provide various options tailored to fit different financial situations. From first-time buyers to seasoned homeowners looking to refinance, we work with you every step of the way. Imagine the comfort of knowing that you're making informed decisions about one of the most significant investments you'll make.

Personal Banking

Our personal banking services are designed with you in mind. We offer checking and savings accounts that provide flexibility for everyday transactions while helping you grow your savings. Imagine being able to manage your finances effortlessly through our online and mobile banking platforms. With features like e-statements and electronic signature options, accessing your accounts has never been easier.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we offer personal loans for everything from emergency repairs to consolidating debt. With our straightforward application process, we strive to provide quick access to funds when you need them most.

Digital & Online Banking

Convenient Online Banking Services

Our 24/7 online banking services make it simple to check your balance, pay bills, and transfer funds without ever stepping foot in the branch. Whether you're at home or on the go, you have complete control over your finances. Plus, with electronic signature authorization available, signing documents is quick and hassle-free.

Go Mobile with Our App

For those who prefer banking on their smartphones, our mobile application offers all the features you need at your fingertips. You can easily make person-to-person transfers, ensuring that sending money to friends or family is as easy as sending a text. While mobile payments aren't available just yet, we're constantly looking for ways to improve your experience. At University, we're committed to providing accessible and efficient banking solutions tailored to your needs. Enjoy real-time account management and the peace of mind that comes with knowing your information is secure. Join us today and discover how our digital banking services can simplify your financial life!

Stay Informed with E-Statements

Say goodbye to paper clutter! We provide e-statements that allow you to view and manage your account statements digitally. This not only helps you stay organized but also enhances your security by reducing the risk of sensitive information falling into the wrong hands.

Financial Strength

Commitment to Innovation

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 supports members' financial goals across various sectors with $54,041 in used auto loans and a total of $3,073,049,909 in loans and leases.

Growing Trust

Total Share Accounts stand at 706,304, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments totaling $0, our ability to support your financial aspirations remains robust. 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 1601 Trinity St Stop A Austin Tx 78712 or call (512) 467-8080 to learn more about how we can help you achieve your financial goals.

Member-Centric 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 is reflected in our $0, 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.

Solid Foundation

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 are interested in financing a new or used vehicle, our team is here to guide you through the process.

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 different needs and are here to support you on your journey. At University, we strive to create a supportive environment for all our members. If you're considering refinancing options or want to learn more about eligibility requirements for any of our loan products, please don't hesitate to reach out. For more information or assistance, feel free to contact us at (512) 467-8080. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. Our credit cards come with rewards and benefits designed to enhance your everyday spending.

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're committed to helping you find the right mortgage solution tailored to your needs.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help users navigate the complex lending landscape with ease. LendMesh ensures accurate loan comparisons by sourcing loan data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to quality means that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov). By relying on trusted financial institutions, LendMesh provides peace of mind when it comes to finding the right loan. One of the standout features of LendMesh is its commitment to verified data. All loan offers are sourced from legitimate financial institutions, ensuring transparency in the options presented. Additionally, there are no sponsored listings; LendMesh does not prioritize lenders based on paid promotions. This approach guarantees that users receive unbiased results tailored to their specific needs. With real-time rate comparisons, users can access up-to-date loan rates from multiple institutions. This feature allows individuals to make informed decisions quickly, saving both time and money in the long run. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.

University

Type of Loan Offerings

Personal Loans

Vehicle Loans