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8303 N Mo Pac Expy
Austin, TX 78759-8501

University Federal Credit Union is headquartered in Austin and is the 8th largest credit union in the state of Texas. It is also the 106th largest credit union in the nation. It was established in 1936 and as of December of 2017, it had grown to 650 employees and 234,145 members at 22 locations. University Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in University Federal Credit Union is open to anyone through joining the University of Texas Longhorn Foundation (one-time $20 donation). Membership is also open to the following: (1) faculty, staff and students of the University of Texas-Austin and University of Texas Medical Branch; (2) employees of eBay, Inc., Intel Corp. and over 200 Select Employer Groups; (3) members of Austin Technology Council, Texas Oil and Gas Association and other area organizations.
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Solid bank with local support and flavor

I opened an account with this bank because I was looking to diversify the types of institutions I support - rather than the huge banks like Chase, Bank of America, etc., I wanted something like a credit union. This place is! It was extremely easy and affordable to open an account for myself. My partner and I also opened our first joint savings account there because I had such a good experience with my personal account. Anyone I've ever talked to on the phone is very courteous and knowledgeable. I'm unfamiliar with their mobile abilities since I don't use those too often - other than that, I'm happy with everything so far!

UFCU Is A Great Option If You're In Austin

Posted by: pfjoed | Feb 21, 2011

I primarily used UFCU when I was a student at UT. They have plenty of ATMs and several branches down around the UT campus. In all of my dealings with UFCU, I've found their customer service to be excellent. I have maintained an account with them over the years because it's easy to do and if I ever need a loan, they'll be one of the first places I look.

Lots of ATMs near UT's campus You can use the debit cards at other in-network credit union ATMs UFCU is not a big, for-profit bank. They don't look to rip you off in the same way Chase or BoA would. I'm told their loan terms are good, though I've never taken advantage of those myself. Great customer service Disadvantages:
Their ATM network--even when you include non-UCFU credit union ATMs--isn't huge All in all, I like UFCU quite a bit.

Slow Go To Get Money Out

Posted by: Anon456 | Aug 23, 2016

FYI - just had large CD mature.

Turns out ACH to external account is limited to $10K, and only 6 transactions per month.

They participate at shared branch, but limit is $25K plus fees.

OK - just mail a check. No problem-o, here's your bill for $3 for us to make out a check.

Not the end of the world, but I have not seen this at any other credit union.

You can avoid the fee IF you are local and go into a branch. Not an option for me.

University Federal Credit Union is the way to go!

University Federal Credit Union (UFCU) is a fantastic place to bank with! Ever since moving back to Austin a few years ago, I have had my checking account as well s a couple savings accounts with UFCU. As a credit union, their fees are minimal and they really go the extra mile for their clients! For instance, I noticed some very suspicious looking charges on my bank account and I went into my local branch right away. They offered me coffee and sat me down with a banker to work out if there were any other fraudulent charges on my account, and there were! They were able to reverse the charges and reassured me that my account was safe after we changed my debit card and created new passcodes. They even issued me a special account and card for my online purchases, so that I would be able to avoid this sort of problem in the future! UFCU really is fantastic!



Health Grade Components

NCUA #1367
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.62%
Return on Equity - YTD7.32%
Annual Interest Income$80.2MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$2.24B$2.12B
LoansQ4 2017vs Q4 2016$1.90B$1.72B
DepositsQ4 2017vs Q4 2016$1.98B$1.88B
Equity CapitalQ4 2017vs Q4 2016$190.4MM$176.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$11.5MM$9.3MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$6.2MM$5.4MM
Real Estate OwnedQ4 2017vs Q4 2016$212.00K$312.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

University Federal Credit Union Savings Account Rates

OTHER TIERS: 0.05% $2,500+
0.25%--Teen Savings
0.25%--Kidz Savings
0.25%$100-Variable Rate IRA
0.25%*$100*$2,500Business Savings
OTHER TIERS: 0.05% $2,500+
0.25%$100-Premium Business Savings

University Federal Credit Union Money Market Rates

0.25%*-$250kMoney Market w/ Member Rewards
OTHER TIERS: 0.05% $250k+
0.05%--Money Market

University Federal Credit Union Checking Account Rates

1.25%-$500Teen Checking
0.05%$2,500-Premium Checking
0.05%$100-Premium Business Checking
0.01%$1k-Plus Checking

University Federal Credit Union CD Rates

1.25%*$100*$20k12 Month Early Saver CD
OTHER TIERS: 0.25% $20k+
1.00%$1k-60 Month Fixed CD
0.75%$1k-48 Month Fixed CD
0.50%$1k-36 Month Fixed CD
0.25%$1k-24 Month Fixed CD
0.10%$1k-12 Month Fixed CD
0.10%$1k-24 Month Fixed Step Up CD
0.05%$1k-3 Month Fixed CD
0.05%$1k-6 Month Fixed CD

University Federal Credit Union IRA Rates

1.00%$1k-60 Month Fixed IRA
0.75%$1k-48 Month Fixed IRA
0.50%$1k-36 Month Fixed IRA
0.25%$1k-24 Month Fixed IRA
0.10%$1k-12 Month Fixed IRA
0.10%$1k-24 Month Step Up Fixed IRA
0.05%$1k-6 Month Fixed IRA