University Credit Union San Marcos TX | Affordable Auto Loans & Top Checking

Introduction

Welcome to University Credit Union, your trusted financial partner located at 1190 Thorpe Ln, San Marcos, TX 78666. Since our establishment in 1936, we've been dedicated to serving our community and helping our members achieve their financial goals. With a proud membership of over 391,000 individuals, we are committed to providing personalized banking solutions tailored to your needs. At University Credit Union, we believe in transparency and community support. Currently, our total assets stand at an impressive $4,100,757,196, ensuring that we can offer competitive rates on loans and deposits. Our members benefit from a robust selection of services, including personal banking accounts, auto loans, mortgage options, and business banking solutions. As of now, we have successfully issued 169,021 loans and leases while maintaining total deposits of $210,923,091. Our leadership team is here to guide you every step of the way. Under the direction of CEO Michael Crowl and Board President Laura Kilcrease, we prioritize your financial well-being and community impact. We strive to foster a friendly environment where you can feel confident about your financial decisions. While members can visit us at our San Marcos branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 9350, Austin, TX 78766. If you're ready to take control of your financial future or simply want to learn more about what we offer, don't hesitate to reach out! Call us at 512-467-8080 or explore our website at ufcu.org. Let's work together towards achieving your financial dreams!

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we understand the importance of staying current with technology. That's why we've invested in ADA compliance and customer-centric initiatives. With features like online banking and e-statements, we ensure that your experience with us is not only convenient but secure. Our commitment extends beyond technology; we also prioritize accessibility by offering ATM availability and drive-thru banking at our branch for added convenience.

Join Us!

Whether you're looking for personal banking solutions or seeking guidance on loans or credit cards, we're here to help. Experience the benefits of being part of a credit union that truly cares about its members. Visit us today at 1190 Thorpe Ln San Marcos Tx 78666 or give us a call at (512) 467-8080 to discover how University can support your financial journey. Join us in making dreams come true because at University, your success is our mission!

Our Evolution

From humble beginnings, University was established to provide accessible financial solutions tailored for our members. As we expanded, we focused on enhancing our services, introducing personal banking options such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Today, we are proud to offer online and mobile banking services that make managing finances easier than ever. Our branch is conveniently located at 1190 Thorpe Ln San Marcos Tx 78666, just a stone's throw away from key landmarks that make it easy for you to visit us. While members can come by for their banking needs, official correspondence should be sent to our mailing address at PO Box 9350, Austin, TX 78766 if different.

Our Mission

At University, our mission is simple yet profound: we strive to empower our members through exceptional financial services while fostering community support and growth. We believe that everyone deserves access to fair financial products and resources that improve their lives. Our team is dedicated to providing personalized assistance and guidance for all your banking needs. We take pride in being more than just a bank; we're active participants in community outreach programs that help uplift those around us. By collaborating with local organizations and initiatives, we aim to make a positive impact in the lives of our members and neighbors alike.

Branch Location & Accessibility

Call to Action

We invite you to come by and experience the friendly service that sets us apart. Whether you're looking to open an account or just have questions about your financial options, we'd love to help! Stop by today or give us a call; we're here for you every step of the way.

Nearby Landmarks and Accessibility

Nestled close to popular spots like the San Marcos River and the bustling downtown area, our location makes it easy to stop by while running errands or enjoying a day out. We have ample parking available to ensure your visit is hassle-free. Plus, our branch is fully ADA compliant, featuring ramps and other accessibility features so everyone can enjoy our services comfortably.

Operating Hours and Services

We're here for you during convenient hours: Monday through Friday from 10 AM to 6 PM, and Saturday from 10 AM to 2 PM. Our dedicated team is ready to assist with a variety of personal banking needs, including checking and savings accounts, auto loans, mortgage loans, and more. If you're on the go, take advantage of our drive-thru service for quick deposits or withdrawals without leaving your car. And don't forget about our ATM availability it's always there when you need cash or want to check your balance. If you need to reach us directly, feel free to call at 512-467-8080. While members can visit us at 1190 Thorpe Ln for all their banking needs, please note that any official correspondence should be sent to PO Box 9350 in Austin.

Member Eligibility

At University, we believe that becoming a member means joining a community that truly cares about your financial well-being. If you're looking to join us at our branch located at 1190 Thorpe Ln San Marcos Tx 78666, you'll be glad to know that eligibility is simple and welcoming. You can become a member if you meet certain criteria related to your employment, geographic location, or even through family connections. This makes it easy for many to access the benefits of membership, including personalized service and competitive financial products. For detailed information on eligibility requirements, feel free to check out this resource: http://www.ufcu.org/personal/loans/ut-golf-club-membership. Opening an account with us is a breeze! Just head over to http://www.ufcu.org/open-account for all the details on how to get started. If you have any questions or need assistance along the way, don't hesitate to reach out by calling us at (512) 467-8080. We're here to help you every step of the way as you embark on this exciting journey with us!

Business Banking & Commercial Services

Business Loans 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. - 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 Made Easy

Our merchant services simplify payment processing, making it easier for you to accept payments from customers. Picture this: a busy Saturday at your café where customers can pay quickly using their mobile phones or credit cards, streamlining service and enhancing customer satisfaction. Located at 1190 Thorpe Ln San Marcos Tx 78666, San Marcos, TX 78666, we're ready to help you take your business to the next level. Connect with us today at (512) 467-8080 and let's discuss how we can support your business goals!

Comprehensive List Of Services

Business Banking

If you're a business owner, University has tailored solutions just for you. Our business banking services, including merchant services and business loans, can help you grow your enterprise. We know how important it is to have reliable financial backing when running a business.

Credit Options

Don't forget about our enticing credit cards with rewards! Whether you're making everyday purchases or planning a trip, our credit card options allow you to earn rewards on what you already spend.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features that let you manage your accounts anytime, anywhere. With tools like person-to-person payments and account management at your fingertips, staying on top of your finances has never been easier. You'll also appreciate our availability of ATM services for quick cash withdrawals and balance checks without stepping inside the branch. Plus, if you're in need of basic transactions like deposits or withdrawals, our drive-thru banking makes it simple and fast.

Personal Banking

Starting with personal banking, we offer various checking and savings accounts designed to help you save for your goals or manage your everyday expenses easily. For those planning to purchase a new vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. Imagine driving off in your dream car without the stress of complicated financing our team is here to help you make that happen. If you're considering buying a home or refinancing an existing mortgage, our mortgage loans and refinancing solutions can guide you through the process. We understand that purchasing a home is one of the most significant decisions you'll make, which is why we strive to simplify this journey for you. For personal needs beyond the ordinary, explore our personal loans and debt consolidation services. These are ideal for managing unexpected expenses or combining multiple debts into one manageable payment plan.

Visit Us Today!

We invite you to experience all these services firsthand at University, located at 1190 Thorpe Ln San Marcos Tx 78666 in San Marcos, TX. For any questions or to learn more about how we can assist you with your financial needs, feel free to call us at (512) 467-8080. Your financial success is important to us! Come see how we can support your journey today!

Digital & Online Banking

At University, we understand that your time is valuable, and that's why we offer a range of digital and online banking services designed to make managing your finances easy and secure. With 24/7 access to your accounts through our online banking platform, you can handle your banking needs whenever it suits you best. Whether you're at home or on the go, our services are crafted to provide convenience and peace of mind. One of the standout features available at University is our user-friendly online banking portal. You can log in at any time to check your balance, transfer funds, and even set up electronic statements for quick access to your account information. Plus, with our electronic signature authorization, signing documents has never been easier or more secure. Need to send money quickly? Our person-to-person transfer service allows you to send funds directly to friends or family with just a few clicks. And if you prefer managing your finances from your smartphone, don't forget about our mobile application! It's designed for easy navigation, allowing you to manage everything from payments to transfers right from your pocket. While we currently don't offer mobile payments, our commitment to providing safe and efficient banking remains strong. With features like e-statements and an intuitive online platform, you can stay on top of your financial activities without any hassle. Explore all that our digital banking services have to offer by visiting us at https://www.ufcu.org/. At University, we prioritize accessibility and ease-of-use so you can focus on what truly matters enjoying life while confidently managing your finances!

Financial Strength

At University, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to maintaining a strong financial foundation to support your needs and aspirations. With a net worth of $372,973,611, we maintain robust 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. 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. Additionally, 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 your financial goals across various sectors with $54,041 in used auto loans and $3,073,049,909 in total loans and leases. Our commitment to operational efficiency is reflected in our $0. This enables 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. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 706,304, showing a strong and growing member base that trusts us with their finances. 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 1190 Thorpe Ln San Marcos Tx 78666 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.

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 considering financing for a brand-new model or a reliable used vehicle, our flexible terms make it easy for you to hit the road without breaking the bank.

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're here to support you with financing solutions that align with your goals. At University, we believe in empowering our members with the right tools and resources. If you're interested in exploring refinancing options or checking your eligibility for any of our products, don't hesitate to reach out. You can contact us at (512) 467-8080 or visit us at our branch located at 1190 Thorpe Ln San Marcos Tx 78666 in San Marcos, TX. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're committed to providing transparency and helping you find the best loan solution for your needs.

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 straightforward guidance through the mortgage process, ensuring you have all the information you need to make an informed decision about your future home.

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. Our credit cards come with various benefits designed to fit your lifestyle and spending habits, making it easier to handle everyday expenses or unexpected costs.

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. With a commitment to transparency and reliability, LendMesh offers users a straightforward way to assess their options. 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 means that the offers you see are not only up-to-date but also fair and transparent. By using verified data, LendMesh provides a clear view of available loan options without the confusion often associated with comparing rates. One of the standout features of LendMesh is its approach to maintaining integrity in comparisons. There are no sponsored listings lenders are not prioritized based on paid promotions. Instead, LendMesh aims to provide unbiased results so users can make informed choices without hidden agendas clouding their decisions. The platform also offers real-time rate comparisons, pulling up-to-date loan rates from multiple institutions. This feature allows users to quickly identify which lenders offer the best terms for their needs, empowering them to make smart financial choices. 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!" This testimonial reflects the positive experiences many have had using this tool. 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