University Credit Union San Marcos TX | Low Mortgage Rates & Business Banking

Introduction

Welcome to University, your trusted credit union located at 109 Student Center Dr, San Marcos, TX 78666. Since our establishment in 1936, we have proudly served over 391,419 members, providing a wide range of financial services tailored to meet your needs. At University, we believe in the power of community and the importance of personal connections in banking. With total assets exceeding $4.1 billion and deposits amounting to $210,923,091, we are committed to ensuring the financial well-being of our members. Our dedicated team, led by CEO Michael Crowl and Board President Laura Kilcrease, works tirelessly to offer quality services and support. We currently employ 770 individuals who share a passion for helping our community thrive. While members can visit us at our branch address, official correspondence should be sent to 8303 N Mo Pac Expy, Austin, TX 78759-8501. We invite you to explore the various personal banking options we provide including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. At University, we understand that every member's financial journey is unique. That's why we've established a solid foundation with total loans reaching 169,021 and a net worth of $372,973,611. Whether you're looking for assistance with a loan or simply want to manage your savings more effectively, we're here for you. We encourage you to visit our website at ufcu.org for more information or call us at 512-467-8080 during our lobby hours from Monday to Friday, 10 AM to 4 PM. Let us help you achieve your financial goals!

Branch History & Mission

Our Mission

The mission of University Credit Union is simple yet powerful: to enhance the financial well-being of our members while actively supporting the communities we serve. We believe that everyone deserves access to quality financial services that empower them to achieve their goals. Whether it's through personal banking solutions like checking and savings accounts, auto loans, or credit cards with rewards, we strive to provide products that fit your lifestyle. We also focus on community support and outreach. Our partnerships with local organizations allow us to contribute positively to San Marcos and surrounding areas. From hosting financial literacy workshops to sponsoring local events, we aim to make a meaningful impact beyond traditional banking. While members can visit us at 109 Student Center Dr San Marcos Tx 78666, official correspondence should be sent to 8303 N Mo Pac Expy, Austin, TX 78759-8501. We are proud to offer convenient services such as ATM access and online banking options. Although we currently do not have drive-thru service or shared service centers available, our friendly staff is always ready during lobby hours from Monday through Friday from 10 AM to 4 PM. As technology advances, so do we! Our commitment to ADA compliance ensures that all members can easily access our services. With digital advancements like online banking and mobile applications, managing your finances has never been easier. We invite you to join University Credit Union today! Experience firsthand how we prioritize your financial health while uplifting our community. For more information or to open an account, please visit us at ufcu.org or call us at (512) 467-8080. Together, let's build a brighter financial future!

Branch Location & Accessibility

Call to Action

We invite you to visit us at 109 Student Center Dr San Marcos Tx 78666 or give us a call at (512) 467-8080. Our friendly staff is eager to help you with all your banking needs! Come see how easy it is to bank with University today!

Local Landmarks and Parking

Nestled near popular spots in the heart of San Marcos, our branch is just a short walk from local favorites like the Texas State University campus and the picturesque River Walk. Ample parking is available right outside our doors, ensuring you can pop in quickly for all your banking needs. We also prioritize accessibility for all members, with ADA-compliant features that make navigating our branch easy for everyone.

Operating Hours and Services

Our dedicated team is ready to assist you Monday through Friday from 10 AM to 4 PM. Whether you're looking to open a checking account, apply for an auto loan, or simply ask a question about your account, we have you covered. While we don't offer drive-thru service, you can enjoy the convenience of our ATM available on-site for quick cash withdrawals and balance checks. At University, we provide a range of services tailored just for you. From personal banking options like checking and savings accounts to business banking solutions, we're committed to helping you achieve your financial goals.

Member Eligibility

Becoming a member of University feels like stepping into a welcoming community where your financial needs are truly understood. If you're interested in joining us, the eligibility criteria are simple and designed to embrace a diverse range of individuals. Generally, you can become a member if you live, work, or attend school in the area surrounding our branch at 109 Student Center Dr San Marcos Tx 78666. For those who have connections to specific organizations or groups we partner with, you're also invited to join! To get the full scoop on eligibility details, feel free to check out this resource for updated information. Once you've confirmed that you're eligible, opening an account is an easy process that can set you on the path to enjoying great benefits. From competitive rates on loans to personalized service, being part of University means you're not just another number; you're a valued member of our family. 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 community!

Business Banking & Commercial Services

Lending Solutions Tailored for You

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.

Practical Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine seamlessly accepting payments from customers while reducing transaction costs. Our solutions allow you to focus on what really matters growing your business while we handle the financial logistics. Located at 109 Student Center Dr San Marcos Tx 78666 in San Marcos, TX, our team is ready to partner with you on your journey. Let's work together to turn your vision into reality! For more information, call us at (512) 467-8080 or visit our website at https://www.ufcu.org/.

Comprehensive List Of Services

Banking at Your Fingertips

In today's digital world, convenience is key. That's why we have invested in robust Online & Mobile Banking platforms. With these tools, accessing your accounts, transferring funds, or paying bills is just a click away whether you're at home or on the go. And don't forget about our ATM services! You can enjoy easy access to cash withdrawal and balance checks through our network of ATMs located conveniently throughout the area.

Get Started Today!

With so many services available at University, there's something for everyone! If you're ready to take control of your finances or learn more about any of our offerings, feel free to reach out at (512) 467-8080 or visit us at 109 Student Center Dr San Marcos Tx 78666 in San Marcos, TX. We're excited to partner with you on your financial journey!

Home Ownership Simplified

Dreaming of owning a home? Our Mortgage Loans & Refinancing options are designed to make the process simpler and more affordable. We guide you through every step, offering support and resources tailored to first-time homebuyers and seasoned investors alike. If you're facing unexpected expenses or seeking to consolidate debt, our Personal Loans & Debt Consolidation services can provide the financial relief you need. We work with you to create a repayment plan that fits your budget.

Personal Banking Made Easy

We understand that managing your finances can be overwhelming at times. That's why we offer Personal Banking options including checking and savings accounts that fit your lifestyle. Our accounts come with features that allow you to track spending easily and manage your money effectively. For those planning to buy a car, our Auto Loans & Vehicle Financing services provide competitive rates and flexible terms to help you get behind the wheel without breaking the bank. Whether you're purchasing new or used, we've got you covered.

Rewards for Everyday Spending

Shopping made rewarding! Our Credit Cards with Rewards allow you to earn points on every purchase, giving back for what you already spend. It's an easy way to enjoy benefits while managing your expenses effectively.

Support for Your Business

For entrepreneurs, we offer comprehensive Business Banking solutions, including merchant services and business loans. We're committed to helping local businesses thrive by providing the necessary tools and resources.

Digital & Online Banking

At University, we understand that managing your finances should be as easy and secure as possible. That's why we offer a range of digital and online banking services designed to keep you connected to your money anytime, anywhere. With our user-friendly platform, you can enjoy the convenience of banking right from your home or on the go. One of the standout features is our 24/7 online banking service available at https://www.ufcu.org/. This means you can check balances, transfer funds, and pay bills whenever it suits you. Plus, with E-statements, you'll receive your account statements electronically, making it easy to stay organized without the clutter of paper. We also prioritize security in all our transactions. Our electronic signature authorization feature ensures that your documents are signed securely online, giving you peace of mind when applying for loans or opening new accounts. If you're always on the move, our mobile application makes it simple to manage your finances right from your smartphone. You can perform everyday tasks like checking your balance or making person-to-person transfers with just a few taps. While we currently do not support mobile payments, our app is packed with other helpful features to make banking easier for you. Whether you're at home or out and about, University's digital banking options are tailored to fit your lifestyle. Experience the ease of real-time account management and enjoy the benefits of modern banking with us today!

Financial Strength

Efficient Operations

Our $0 reflects our operational efficiency, 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 who are dedicated to providing exceptional service.

Growing Community Trust

Total Share Accounts stand at 706,304, showing a strong and growing member base that trusts us with their finances. This trust is foundational for us as we continue to build relationships within the community. 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 109 Student Center Dr San Marcos Tx 78666 or call (512) 467-8080 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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 capacity to lend is robust; with $54,041 in used auto loans and $3,073,049,909 in total loans and leases, we support your financial goals across various sectors.

Secure Savings Options

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. We offer flexible terms and competitive rates that make financing straightforward and accessible.

Business Financing

For business owners, our outstanding commercial loans totaling $142,289,128 provide the capital needed to grow and expand your enterprise. We understand the unique challenges faced by small businesses and are dedicated to providing tailored financing solutions that work for you. We also offer refinancing options across many of our loan products to help you take advantage of lower rates or better terms. If you're interested in finding out more about eligibility requirements or how we can assist you further, don't hesitate to reach out. Feel free to visit us at 109 Student Center Dr San Marcos Tx 78666 in San Marcos, TX, or call us at (512) 467-8080 for more information. Our friendly staff is ready to help you explore your options and find the perfect loan solution for your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. Whether you're a first-time buyer or looking to refinance an existing mortgage, our knowledgeable team is here to guide you through every step of the process.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why 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 give you more value for your spending.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced 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 rigorous sourcing process ensures that all offers are fair and transparent. Users can trust that they are looking at accurate information when comparing loans.

University

Type of Loan Offerings

Personal Loans

Vehicle Loans