1St University Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.culink.net

254-752-2797

24 La Salle Ave Unit C
Waco, TX 76706

1St University Credit Union is headquartered in Waco and is the 271^st largest credit union in the state of Texas. It is also the 3,315^th largest credit union in the nation. It was established in 1956 and as of March of 2025, it had grown to 8 employees and 1,845 members at 2 locations. 1St University Credit Union's money market rates are 14% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership in 1st University Credit Union is open to those who live, work, or worship in Waco, Texas. Anyone who joins Baylor Alumni by Choice (an association of friends of Baylor, but not traditional alumni) is eligible to join, regardless of where they live. Baylor University students, employees, alumni, and members of the Baylor Air Force ROTC qualify for membership, as do individuals who live or work on Baylor-owned properties. Relatives of current 1st University Credit Union members are eligible to join.
See current membership details

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Health

C+

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. 1St University Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	67483
Year Chartered	1956
Employees	8
Primary Regulator

Profit Margin
Return on Assets - YTD	0.08%
Return on Equity - YTD	0.72%
Annual Interest Income	$211K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$17MM$18.2MM
Loans	Q1 2025vs Q1 2024	$13.5MM$13.2MM
Deposits	Q1 2025vs Q1 2024	$15.2MM$16.2MM
Equity Capital	Q1 2025vs Q1 2024	$1.8MM$1.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$31K$23K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$33K$390K
Real Estate Owned	Q1 2025vs Q1 2024	$0$105K

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

1St University Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$40k^*	-	Money Market Fund
OTHER TIERS: 0.00% → $1.5k - $5k \| 0.10% → $5k - $40k

Locations

1St University Credit Union Locations
Branch Office	24 La Salle Ave unit C	Waco, TX 76706
Corporate Office	2100 River St	Waco, TX 76706-1642

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