University Credit Union Austin TX | Best Auto Loans & Business Banking

Introduction

Welcome to University, your trusted financial partner located at 13860 N Highway 183, Austin, TX 78750. Established in 1936, we have proudly served our community for decades, fostering a strong sense of trust and commitment among our 391,419 members. Our mission is to provide personalized financial solutions that empower individuals and families while strengthening our local economy. At University, we understand the importance of financial stability. With total assets exceeding $4.1 billion and total deposits reaching $210,923,091, we offer a solid foundation for your financial journey. Our diverse range of services includes everything from checking and savings accounts to auto loans and mortgage refinancing. We currently manage over 169,021 loans and leases, ensuring that we meet the varied needs of our members. Our leadership team is dedicated to your success. Under the guidance of CEO Michael Crowl and Board President Laura Kilcrease, we work tirelessly to ensure you receive exceptional service and innovative financial products tailored just for you. With a team of 770 employees, we're here to assist you every step of the way. While members can visit us at our branch location for personal banking needs, official correspondence should be sent to our mailing address: PO Box 9350, Austin, TX 78766. We invite you to explore all that University has to offer. Whether you're looking to open a new account or simply want to learn more about our services, visit us online at ufcu.org or give us a call at 512-467-8080 today! Let's take the next step toward achieving your financial goals together!

Branch History & Mission

Our Mission

At University, our mission is clear: we aim to empower our members through comprehensive financial services while actively supporting our community. We believe that when our members thrive, so does the community around us. That's why we offer a wide range of products, including checking and savings accounts, auto loans, mortgages, personal loans, and business banking services. Our commitment goes beyond just banking; we engage in various outreach programs that promote financial literacy and well-being among our members. We are dedicated to making a positive impact in the lives of those we serve. While members can visit us at 13860 N Highway 183 Austin Tx 78750, official correspondence should be sent to PO Box 9350, Austin, TX 78766. Our operating hours are designed with your schedule in mind: lobby hours are Monday through Friday from 9 AM to 5 PM and Saturday from 10 AM to 2 PM. The drive-thru is open even earlier on weekdays from 7:30 AM until 7 PM and Saturday from 9 AM to 2 PM. As we continue on this journey together, we invite you to join our growing family at University. Experience firsthand the benefits of becoming a member of our credit union where your financial goals become our mission. For more information or to open an account today, please visit us online at Lakeline or call us at (512) 467-8080. Together, let's build a brighter financial future!

Branch Location & Accessibility

Operating Hours

We understand that life can be busy, which is why we offer flexible operating hours. Our lobby is open Monday through Friday from 9 AM to 5 PM and Saturdays from 10 AM to 2 PM. If you need to access your account outside of these hours, our drive-thru service is available Monday through Friday from 7:30 AM to 7 PM and Saturday from 9 AM to 2 PM.

Services Available

At University, we provide a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Our ATM services are available for quick cash withdrawals and balance checks, ensuring that banking with us is both convenient and efficient. Plus, members can enjoy shared services with partner credit unions for basic transactions. While members can visit us at 13860 N Highway 183 Austin Tx 78750, official correspondence should be sent to our mailing address: PO Box 9350, Austin, TX 78766. Feel free to reach out with any questions or visit us in person! You can contact us at (512) 467-8080. We look forward to serving you at University, where your financial well-being is our priority!

Member Eligibility

At University, we believe that becoming a member is like joining a welcoming family where your financial needs are our priority. If you're interested in joining us at our location on 13860 N Highway 183 Austin Tx 78750, it's simple! We invite individuals who live, work, or worship in the area to take part in our community. Additionally, students and employees of affiliated institutions are also welcome. This inclusivity means that more people can enjoy the benefits of our personalized services and competitive rates. For more detailed eligibility criteria, feel free to check out this resource. Opening an account with us is a breeze! Just visit our website at this link to get started, or give us a call at (512) 467-8080 if you have any questions. We're here to help you every step of the way, making sure that your transition into membership is as smooth as possible. Join us today and experience the advantages of being part of University!

Business Banking & Commercial Services

Business Loan Options

Imagine having the capital to invest in new equipment, hire staff, or expand your services. 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.

Merchant Services

In today's fast-paced market, having efficient payment solutions is crucial. Our merchant services make it easy for businesses to accept payments seamlessly whether online or in-store. Picture a busy Saturday where your café is filled with customers; you can process transactions quickly and securely, allowing you to focus on what matters most serving your patrons. Visit us at 13860 N Highway 183 Austin Tx 78750 in Austin, TX, or call us at (512) 467-8080 to learn more about how we can support your business dreams!

Comprehensive List Of Services

Connecting with Us

If you have any questions or would like more information about the services we offer at Lakeline, feel free to call us at (512) 467-8080. Our friendly staff is here to help guide you through every step of your financial journey. We invite you to visit us today at 13860 N Highway 183 Austin Tx 78750 in Austin, TX. Experience how University can enhance your financial well-being with personalized services that cater to all aspects of your life!

Digital Convenience

We emphasize ease of access through our digital banking features. With ATM services available for cash withdrawals and balance checks, as well as basic drive-thru banking for simple transactions like deposits or withdrawals, you'll find managing your money straightforward and hassle-free.

Loans and Credit

When life throws unexpected expenses your way, having access to funds is crucial. Our personal loans can help with everything from debt consolidation to urgent repairs. Plus, our credit cards with rewards offer great benefits for your everyday purchases. For business owners, we provide comprehensive solutions like merchant services and business loans, ensuring your enterprise has the resources it needs to thrive.

Personal Banking

For everyday banking, we offer personal checking and savings accounts designed to fit various lifestyles. You can easily manage your funds through our online and mobile banking platforms, giving you access anytime, anywhere. If you're thinking about buying a car, our auto loans and vehicle financing options are both competitive and convenient. We also provide mortgage loans and refinancing, making home ownership more accessible than ever.

Shared Branching

As part of our commitment to community support, we participate in shared branch transactions. This means if you're a member of a partner credit union, you can still make deposits and withdrawals at our branch without any inconvenience.

Digital & Online Banking

Always Available

Our commitment to accessibility means that our online banking services are available 24/7. Whether it's early morning or late at night, you can manage your account whenever it suits you best. This flexibility allows you to take control of your finances in real-time no waiting in line or rushing before closing hours. With user-friendly interfaces and top-notch security measures, University makes sure your information stays safe while providing you with the tools needed to manage your money effortlessly. Join us today and discover how easy banking can be!

Explore Our Services

With just a few clicks, you can access our comprehensive online banking services through https://www.ufcu.org/. Need to check your balance? Transfer funds? Or perhaps sign documents securely? Our electronic signature authorization feature makes it easy to handle necessary paperwork without the hassle of printing or mailing. Plus, if you prefer to keep track of your transactions digitally, we offer e-statements that provide a clear and organized view of your financial activities.

Mobile Banking Made Simple

For those who like banking on the go, our mobile application gives you access to all these features and more. You can send money easily with person-to-person transfers, making it simple to pay back friends or family without any fuss. And while we currently don't support mobile payments, we're always looking for ways to improve our services for you.

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, featuring $54,041 in used auto loans and $3,073,049,909 in total loans and leases that support our members' financial goals across various sectors.

Growing Member Trust

Total Share and Deposit Accounts: 706,304, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 13860 N Highway 183 Austin Tx 78750 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.*

Operational Efficiency

Our operational efficiency shines through with a net income of $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.

Secure Savings Options

Your savings are safe with us. 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.

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 considering financing a new or used vehicle, our team is here to assist you every step of the way.

Credit Lines

For those who prefer flexibility, our total credit lines amounting to $1,280,048,238 provide quick access to funds when you need them most. This option is ideal for managing unexpected expenses or planning for future purchases.

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 offer competitive rates and flexible terms that can be tailored to fit your budget.

Refinancing Options

If you're looking to lower your monthly payments or consolidate debt, we also provide refinancing options across our loan products. Our team can help assess your eligibility and find the best solutions tailored just for you. No matter what you're planning for, our dedicated staff at University, located at 13860 N Highway 183 Austin Tx 78750, Austin, TX, are here to guide you through the process and answer any questions you may have. You can reach us at (512) 467-8080 during our operating hours: Lobby hours from Monday to Friday, 9 AM - 5 PM and Saturday from 10 AM - 2 PM; Drive-thru services are available Monday to Friday from 7:30 AM - 7 PM and Saturday from 9 AM - 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. Let us help you take the next step towards achieving your financial aspirations!

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 benefits that can support your spending needs without the burden of collateral.

Loan Aggregator

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University

Type of Loan Offerings

Personal Loans

Vehicle Loans