University Credit Union Galveston TX | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to University, your trusted financial partner located in the heart of Galveston at 428 Post Office St, Galveston, TX 77550. Since our establishment in 1936, we have proudly served our community, growing into a vital resource for over 391,000 members. With total assets of $4.1 billion and deposits totaling $210.9 million, we are dedicated to providing exceptional service and support for all your financial needs. At University, we understand that our members' success is our success. That's why we offer a wide range of services tailored to fit your unique lifestyle, from personal banking and auto loans to business financing solutions. Our total loans amount to 169,021, demonstrating our commitment to helping you achieve your financial goals. While members can visit us at our branch location, official correspondence should be sent to PO Box 9350, Austin, TX 78766. We believe in fostering strong relationships built on trust and transparency. Under the leadership of CEO Michael Crowl and Board President Laura Kilcrease, our team of 770 employees is here to ensure you receive personalized attention and expert guidance. With a net worth of $372.9 million and cash reserves of $133.7 million, we are well-positioned to support you through every stage of life. Whether you're looking to open a new account or seeking advice on loans or mortgages, we're just a phone call away at 512-467-8080. Join us at University Credit Union today and experience the difference that comes with being part of a member-focused community bank! Visit us online at ufcu.org or stop by our branch for more information about how we can help you thrive financially.

Branch History & Mission

Join Us

As we look ahead, we invite you to be part of this remarkable journey with us. Whether you're seeking reliable banking services or want to get involved in community initiatives, there's a place for you at University. Experience firsthand how we're committed to making a difference in your life join us today! For more information or assistance, feel free to call us at (512) 467-8080 during our operating hours: Lobby M-Th 8-4, F 8-5; Drive-thru M-F 7-6, Saturday 9-1. Together, let's continue building a stronger community for everyone!

Our Mission

At University, our mission is simple yet profound: to empower our members through comprehensive financial solutions while fostering a strong sense of community. We believe that everyone deserves access to high-quality financial products and education, which is why we offer a wide range of services from personal banking and auto loans to business financing. We strive not only to meet your banking needs but also to give back to the communities we serve. Through partnerships and outreach efforts, we actively support local initiatives that promote economic growth and well-being within Galveston and beyond. While you can visit us at 428 Post Office St Galveston Tx 77550, official correspondence should be sent to PO Box 9350, Austin, TX 78766 if different from your visiting address.

Our Story

Since opening our doors at 428 Post Office St Galveston Tx 77550, located near [insert nearby landmark or feature], we have dedicated ourselves to providing exceptional banking services tailored to meet the diverse needs of our members. Over the years, we've adapted to changing times while remaining true to our mission of enhancing lives through accessible financial services. Our history is marked by significant milestones that reflect our growth and commitment to innovation. As we expanded our services, we embraced technology that allows for convenient online and mobile banking options. Today, members can easily manage their accounts anytime, anywhere, ensuring they stay connected with their finances.

Branch Location & Accessibility

Convenient Access and Amenities

At our University branch, we prioritize accessibility. Our location is fully ADA compliant, ensuring everyone can comfortably visit us. There's ample parking available right outside, so you won't have to worry about finding a spot when you arrive. If you're in a hurry, our drive-thru service lets you handle deposits and withdrawals without leaving your vehicle. We also offer ATM access for those quick cash needs, so you can get your money anytime during business hours.

More Than Just Banking

In addition to standard banking services like checking and savings accounts, we offer loans for vehicles and homes, credit cards with rewards, and even business banking options. Plus, if you're a member of a partner credit union, feel free to take advantage of our shared service center for basic transactions. While members can visit us at 428 Post Office St Galveston Tx 77550, official correspondence should be sent to PO Box 9350 in Austin if needed. So why wait? Come by our University branch today and experience personalized service that puts you first! We look forward to helping you with all your financial needs.

Operating Hours Tailored for You

We're here to serve you! Our lobby hours are designed to fit your busy schedule: Monday through Thursday from 8 AM to 4 PM, Friday until 5 PM, and Saturday from 9 AM to 1 PM. If you need assistance outside these hours, don't hesitate to reach out at 512-467-8080.

Member Eligibility

At University, we believe that becoming a member is like joining a family that truly cares about your financial well-being. If you're looking to join our supportive community, you'll be pleased to know that eligibility is open to a wide range of individuals. Whether you're a student, alumni, or simply live or work in the area surrounding 428 Post Office St Galveston Tx 77550, you might qualify for membership. It's all about connecting with people who share similar values and goals! To get the most up-to-date details on who can join us, feel free to visit our eligibility page at http://www.ufcu.org/personal/loans/ut-golf-club-membership. Opening an account is a breeze! Once you know you're eligible, just head over to our account opening page at http://www.ufcu.org/open-account. If you have any questions or need assistance, don't hesitate to call us at (512) 467-8080. We're here to help make your transition into our credit union as smooth and welcoming as possible!

Business Banking & Commercial Services

At University, located at 428 Post Office St Galveston Tx 77550 in Galveston, TX, we understand that every business has unique needs and challenges. Whether you're just starting or looking to expand, our commercial services can support your journey. Imagine a local café dreaming of expanding its menu and seating. With the right financing, that dream becomes a reality. 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. Additionally, our merchant services streamline everyday transactions, enabling you to focus on what truly matters growing your business. From payment processing to cash management solutions, we provide tools that make running your business smoother. Let's work together to turn your business aspirations into achievements! Reach out to us at (512) 467-8080 to learn more about how we can help you thrive.

Comprehensive List Of Services

ATM and Drive-Thru Services

When it comes to accessing your money, we've got you covered with our ATM services, which include cash withdrawals and balance checks. If you prefer face-to-face interactions for simple transactions like deposits or withdrawals, our drive-thru banking is available during convenient hours.

Business Banking Services

For business owners, we understand the unique challenges you face. That's why we offer comprehensive business banking services, including merchant services and business loans designed to help your company thrive. Whether you're just starting out or looking to expand, we're here to support your journey.

Credit Cards and Rewards

Don't forget about our credit cards with rewards! These cards not only allow you to make purchases but also earn points that can be redeemed for exciting rewards. It's an effortless way to enjoy benefits while managing your everyday spending.

Online and Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking features allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and pay bills from the comfort of your home or on the go.

Personal Banking Solutions

Starting with personal banking, we offer various checking and savings accounts tailored to fit your lifestyle. If you're planning to buy a car, our auto loans and vehicle financing options can help you get on the road quickly and affordably. For those thinking about purchasing a home, our mortgage loans and refinancing solutions provide competitive rates and flexible terms. Additionally, if you need extra cash for unexpected expenses or want to consolidate debt, our personal loans can be a great resource.

Shared Branch Transactions

We know that flexibility matters. Our branch also offers basic shared branch transactions for members of partner credit unions, making it easier than ever to access funds when you're away from home. At University, we strive to make your financial journey as smooth as possible. For more information about any of our services or to speak with one of our friendly team members, please call us at (512) 467-8080 or visit us at https://www.ufcu.org/. We look forward to serving you soon!

Digital & Online Banking

Convenient Features

Managing your finances should be straightforward. Our mobile application allows you to bank from anywhere, making it easy to stay on top of your accounts while out and about. If you need to send money to friends or family, our person-to-person transfers make it quick and hassle-free. And if you're looking to go paperless, we provide e-statements for a more organized approach to tracking your finances. Though we currently do not support mobile payments, we're always exploring new ways to enhance your banking experience. With all these features combined, University makes it simple to handle your finances effectively and efficiently. Experience the ease of banking on your terms with us today!

Safe and Secure Transactions

Security is a top priority for us at University. We offer electronic signature authorization, ensuring that your transactions are safe and streamlined. You can also rest easy knowing that your personal information is protected with the latest security measures in place.

User-Friendly Online Services

With our online banking platform available at https://www.ufcu.org/, accessing your accounts has never been easier. You can check balances, transfer money, and view transaction history anytime you need. Plus, our 24/7 online banking services mean you can bank whenever it suits you best.

Financial Strength

Growing Trust

With total share accounts reaching 706,304, it's clear that more people are placing their trust in us every day. Our net shares available for lending stand at $0, further demonstrating our ability to support our members' needs. In conclusion, 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 428 Post Office St Galveston Tx 77550 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 commitment to 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.

Reinvesting for Your Benefit

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

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 model or a reliable pre-owned vehicle, our loan options make it easy for you to drive away satisfied.

Business Loans

For business owners, our outstanding commercial loans totaling $142,289,128 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges, and we are committed to providing support through tailored financing solutions.

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 are here to guide you through every step of the process so you can feel confident in your investment.

Refinancing Options

If you're considering refinancing any of your existing loans or exploring eligibility options, our team is ready to assist you. We strive to make the process straightforward and beneficial for all our members. Our knowledgeable staff at University, located at 428 Post Office St Galveston Tx 77550 in Galveston, TX, is always available to answer questions and help you navigate your loan options. You can reach us at (512) 467-8080 during our operating hours: Lobby M-Th 8-4; F 8-5; Drive-thru M-F 7-6; Saturday 9-1. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter what your financial goals may be, we're here to help you succeed!

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 convenient features that allow you to maintain control over your spending while building your credit history.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

LendMesh guarantees accurate loan comparisons by sourcing its 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 transparency ensures that users receive fair and straightforward offers.

University

Type of Loan Offerings

Personal Loans

Vehicle Loans