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About

We Focus on People Not Profits

A Member-Owned, Not-for-Profit Cooperative

At UFCU, we strongly believe in fair and honest products and outstanding member service. We work to assist you with your financial education, and we listen to your suggestions for how we can improve. And by keeping our member-elected Board of Directors local, we have the advantage of first-hand knowledge of local markets and member needs.

We credit these values with making us Austin’s largest locally owned financial institution, with a full-service financial institution in Galveston.

Learn more about the UFCU story

Why Choose a Credit Union?

Credit unions are unique in the financial world.

  • Owned and directed by their members, not corporate stakeholders
  • Regulated by federal and state law
  • Backed by National Credit Union Administration (NCUA) fund insurance
  • Led by member-elected, volunteer boards of directors

A credit union is more than just a bank—it’s a partnership designed to offer you a safe place to save and borrow at reasonable rates. You have an equal vote in electing its leaders, and you benefit equally from the success of the business.

Credit unions have 100+ years of history in the U.S., and today more than 6,700 credit unions nationwide boast a combined $1.6 trillion in assets and 94.6 million members. The credit union motto is “Not for profit, not for charity, but for service,” and you’ll find it reflected every day at University Federal Credit Union.

Learn more about why your funds are safe at UFCU

Diverse and Proud

UFCU is a proudly diverse, member-owned cooperative that seeks to bring about human and social development in full accordance with International Credit Union Operating Principles. Our cooperative is non-discriminatory with respect to whom it serves on all grounds, including but not limited to race, gender and gender identity, sexual orientation, nationality, religion, and politics. Our vision of social justice extends both to individual members and to the larger communities in which they work and reside. The credit union ideal is to extend service to all who need and can use it. Every person is either a member or a potential member and appropriately part of the credit union sphere of interest and concern. UFCU’s vision, mission, and values are supportive of the broader communities within which the credit union and our members reside. To that end, we do not favor legislation or other actions, internally or externally, that would result in discrimination against any member, potential member, or group based on one or more of the above characteristics.