University Federal Credit Union Review
University Federal Credit Union serves educators and residents in Central Texas with no‑fee checking, high‑yield savings, and educational tools.
Customer Satisfaction
Established
Total Assets
Featured Products
Checking: | UFCU Freedom Checking | No monthly fee |
Savings: | UFCU Savings | 12.00% APY |
Credit: | UFCU Cash Back Visa | 1.25% cash back |
Mortgage: | 15-Year Fixed | 3.25% interest rate |
Fee Rating
2.8/5
Lower is better
FDIC Insured
No
Digital Banking
4.1/5
Online & Mobile Experience
Branch Network
10
Physical Locations
Key Features
- Educator focus; low fees; member education.
Bank Information
Routing Number
314075174
SWIFT Code
UFCUUS33
Branch Hours
Mon-Fri: 9am-5pm, Sat: 9am-12pm, Sun: Closed
Customer Service
1-800-245-1828
Mon–Fri 8am–6pm CT
Headquarters
Austin, TX, USA
Years in Business
89 years (Est. 1936)
Login Information
Online Banking Login
Access Online Banking
Password Requirements
8–20 chars
Two-Factor Authentication
SMS
Forgot Password
Reset PasswordSecurity Features
SSL; session timeout
Login Instructions
Enter member # & password → verify
Login Help
Call customer service: 1-800-245-1828
Hours: Mon–Fri 8am–6pm CT
Products & Services
Accounts & Products
Checking
UFCU Freedom Checking
Monthly Fee
$0
Minimum Balance
$0
Card Type
$Debit
Minimum Deposit
$25
Overdraft Fee
$25
ATM Fee
$1.5
Savings
UFCU Savings
APY
$12.00%
Annual Earnings
$12.00
Compounds
$Monthly
Minimum Balance
$25
Monthly Fee
$0
Withdrawal Limit
$6/month
Credit Card
UFCU Cash Back Visa
Annual Fee
$0
Cash Back
$1.25%
APR Range
$14.49% - 24.49%
Network
$Visa
Mortgage
15-Year Fixed
Interest Rate
$3.25%
APR
$3.35%
Term
$15 Years
Min Down Payment
$5%
Min Loan Amount
$40,000
Max Loan Amount
$500,000
Digital Banking Experience
Mobile App Rating
Very Good mobile experience
Online Banking
Very Good online experience
Customer Service
Very Good customer support
Digital Features
Ready to Start Banking with University Federal Credit Union?
Visit their website to explore account options and start your application