University Credit Union Austin TX | Low Mortgage Rates & Business Banking

Introduction

Welcome to University Credit Union, your trusted partner in financial growth and community development, located at 4611 Guadalupe St, Austin, TX 78751. Established in 1936, we have proudly served our members for over 85 years, cultivating a strong sense of community and commitment to their financial well-being. With a membership base of 391,419, we are dedicated to providing personalized service and innovative financial solutions tailored to meet your needs. At University Credit Union, we understand that financial decisions can shape your future. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and business banking options. As of now, our total assets stand at an impressive $4,100,757,196, supported by total deposits of $210,923,091. Our financial strength is reflected in our net worth of $372,973,611 and cash in hand totaling $133,737,475. Our leadership team is committed to excellence. Under the guidance of CEO Michael Crowl and Board President Laura Kilcrease, we strive to foster a welcoming environment where every member feels valued. Whether you're looking for assistance with personal loans or want to explore business financing options our friendly staff is here to help. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address: PO Box 9350, Austin, TX 78766. Join the University Credit Union family today! Call us at 512-467-8080 or visit our website at ufcu.org to learn more about how we can support you on your financial journey. Your success is our mission!

Branch History & Mission

Join Us

As we look forward to what lies ahead, we invite you to become part of the University family. Experience firsthand the benefits of membership where your financial success is our priority. For more information on how you can join us or learn about our services, please call us at (512) 467-8080 or visit us online at Guadalupe. Together, let's build a brighter future!

Our Journey

Located at 4611 Guadalupe St, Austin, TX 78751, our branch is more than just a financial institution; it's a place where dreams are nurtured and futures are built. Over the years, we have witnessed remarkable milestones that reflect our dedication to improving the lives of those we serve. From humble beginnings to becoming a vital part of the community's fabric, we've expanded our offerings to include personal banking, auto loans, mortgages, and business services tailored to meet diverse needs. As we continue to evolve with technological advancements, we have embraced online and mobile banking solutions to ensure accessibility for all members. Our drive-thru service and ATM availability further enhance convenience for those on-the-go.

Our Mission

The mission of University is clear: we aim to empower our members through financial education and support while fostering a strong sense of community. We believe that banking should be about more than just transactions; it should be about building relationships and uplifting one another. That's why we actively engage in partnerships and outreach efforts aimed at making a positive impact within Austin and beyond. Our dedicated team is here not only to assist with your financial needs but also to provide guidance that helps you navigate your financial journey. We understand that every member's story is unique, and we strive to offer personalized solutions that align with your goals. While members can visit us at 4611 Guadalupe St Austin Tx 78751, official correspondence should be sent to PO Box 9350, Austin, TX 78766. Whether you're looking for help with personal loans or exploring options for business financing, we invite you to connect with us.

Branch Location & Accessibility

Accessibility Features

At our University branch, we prioritize your convenience. Ample parking is available nearby, and our facility is designed with accessibility in mind, including ADA-compliant features and ramps to ensure everyone can visit us comfortably.

Call to Action

We're here to serve you! Feel free to give us a call at 512-467-8080 if you have any questions or need assistance. We invite you to visit us soon at the University branch where friendly faces and helpful services await!

Local Landmarks and Convenience

Our branch is just a short stroll from popular spots like the University of Texas campus and the lively shops and eateries along Guadalupe Street. This makes it easy for you to pop in for banking services while enjoying everything this bustling area has to offer.

Operating Hours

We understand that life can get busy, so we've made it easy for you to stop by. Our lobby hours are Monday through Friday from 9 AM to 5 PM, and Saturday from 10 AM to 2 PM. For those who prefer drive-thru service, we're open Monday through Friday from 7 AM to 7 PM and Saturday from 9 AM to 2 PM.

Services Available

Whether you're looking for personal banking options such as checking and savings accounts or considering auto loans and mortgage refinancing, we have a range of services tailored just for you. Our ATM is available on-site for quick cash withdrawals and balance checks. Plus, if you're a member of a partner credit union, you can take advantage of our shared service center for basic transactions.

Member Eligibility

At University, we believe that becoming a member means joining a community where your financial well-being is our priority. If you're looking to join us, the good news is that eligibility is straightforward! You can become a member if you live, work, or study in the areas we serve, which allows us to support those who are part of our local community. To learn more about the specific eligibility criteria, feel free to visit our website at http://www.ufcu.org/personal/loans/ut-golf-club-membership. Once you know you qualify, opening an account with us is an easy and welcoming process. We're here to guide you every step of the way so that you can access all the benefits we offer like competitive rates on loans and personalized service. Ready to take the next step? You can find all the details on how to open an account at http://www.ufcu.org/open-account. If you have any questions or need assistance, don't hesitate to reach out at (512) 467-8080. We look forward to welcoming you into our University family!

Business Banking & Commercial Services

Business Loan Options

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 marketplace, having efficient merchant services is essential. At University, we provide easy-to-use payment processing solutions that enable businesses to accept payments effortlessly. This means quicker transactions and happier customers, allowing you to focus on what matters most growing your business. Let us partner with you on your journey to success! Visit us at 4611 Guadalupe St Austin Tx 78751 in Austin, TX, or give us a call at (512) 467-8080 to learn more about how we can assist your business today.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our Auto Loans & Vehicle Financing options make it easy for you to get behind the wheel without breaking the bank. We provide competitive rates and flexible terms that can help you find the right loan for your budget. Picture yourself cruising down the road in that new car while knowing you secured an affordable financing solution.

Business Banking

For entrepreneurs and business owners, our Business Banking solutions include merchant services and business loans designed to help you thrive. We recognize the importance of supporting local businesses, so let us be part of your success story!

Convenient Access

To enhance convenience further, we provide ATM & Cash Withdrawal Services, ensuring that accessing cash is never an issue. Our basic drive-thru banking allows for quick deposits and withdrawals, making it easy even on busy days. At University, we pride ourselves on being more than just a credit union; we're a partner in your financial journey. For any questions or more information about our services, feel free to reach out at (512) 467-8080 or visit us online at Guadalupe. Let's work together towards achieving your financial goals!

Credit Cards with Rewards

Our Credit Cards with Rewards program is perfect for those who want to earn while they spend! Enjoy perks like cash back or travel rewards on everyday purchases. Imagine earning rewards just by using your card for groceries or gas!

Mortgage Loans & Refinancing

If buying a home is on your agenda, our Mortgage Loans & Refinancing services are here to help. We offer various mortgage options tailored to meet different financial situations. Our knowledgeable staff will guide you through the process, ensuring you understand every step along the way. Think about how wonderful it would feel to own your dream home with a mortgage that suits your financial plan.

Personal Banking

We understand that managing your finances is a personal matter. That's why we offer various Personal Banking options, including checking and savings accounts designed to fit your lifestyle. Imagine being able to effortlessly manage your money with user-friendly online and mobile banking services. You can check balances, transfer funds, and pay bills all from the comfort of your home or on-the-go.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. With our Personal Loans & Debt Consolidation services, we provide solutions that help simplify your finances. Whether you're facing medical bills or planning a vacation, we can assist with loans that fit your needs, enabling you to focus on what matters most.

Digital & Online Banking

Accessibility

Whether you prefer using a computer or mobile device, University offers flexible options that fit your lifestyle. With user-friendly interfaces and helpful resources available at any time, managing your account has never felt more accessible. Explore our digital banking services today and take advantage of the tools designed with you in mind!

Key Features

We offer e-statements for easy access to your account statements without the hassle of paper clutter. You can quickly view your statements online and stay organized. If you're on the go, our mobile application makes it even easier to manage your finances right from your phone. With real-time updates and instant notifications, you'll always be in control of your financial activities. Need to send money to a friend? Our person-to-person transfer feature allows you to send money quickly and securely without any fuss. And if you're looking for convenience in payments, you'll love how easy it is to manage transactions through our 24/7 online banking services.

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, we support members' financial goals across various sectors. 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.

Growing Together

Total Share Accounts stand at 706,304, showing a strong and growing member base that trusts us with their finances. This trust allows us to thrive as your community credit union. 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 4611 Guadalupe St Austin Tx 78751 or call (512) 467-8080 to learn more about how we can help you achieve your financial goals.

Member-Centric Approach

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.

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're purchasing a brand-new vehicle or a reliable used one, our flexible terms and competitive rates ensure you can find an option that suits your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $142,289,128 provide the capital needed to grow and expand. We are committed to supporting local businesses and helping them thrive in our community. At University, we believe in making lending accessible and straightforward. If you're considering refinancing options or want to check your eligibility for any of our products, don't hesitate to reach out. You can contact us at (512) 467-8080, and our friendly team will be happy to assist you. 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 that next step come visit us today!

Credit Lines and Unsecured Loans

If you need extra funds for unexpected expenses or projects, consider our credit lines, which amount to $1,280,048,238. Additionally, 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 products provide you with quick access to cash when you need it most.

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 assistance throughout the entire process, ensuring you have the support needed to navigate your mortgage journey comfortably.

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 transparency allows users to easily find the most suitable loan options tailored to their financial needs. LendMesh ensures accurate loan comparisons by sourcing data 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 commitment to using verified data means that users receive fair and transparent offers, helping them make informed choices without hidden surprises. One of the standout features of LendMesh is its emphasis on verified data. All loan offers are sourced from legitimate financial institutions, ensuring that every comparison reflects genuine market rates. Furthermore, LendMesh does not engage in sponsored listings; lenders are not prioritized based on paid promotions. This approach guarantees unbiased results for all users. With real-time rate comparisons, LendMesh provides up-to-date information from multiple institutions. This feature empowers users to quickly see which lenders offer the best rates at any given moment. For instance, thousands of users trust LendMesh for loan comparisons, with one member noting, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're ready to take control of your borrowing costs, 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