it all starts with u

End the year strong with 0% APR1 for 90 days when you refinance your auto loan today.

Apply Now

Access Your Account

Log In

Don’t have a login? Enroll Now

Your Home. Your Future.
Let our local experts help you find the right mortgage for you and your unique situation.
Contact a Loan Officer
Tap, Pay, Go
Add your card to a digital wallet for fast, secure holiday shopping.
Tap to Add

Rates with U in Mind

View All Rates & Terms

Rates and terms subject to change.

Certificates
60 Month
3.75% APY
Auto Loans
1 to 48 Months
4.99% APR
Credit Cards
as low as
9.49% APR

Personal Loans

Get the Funds U Need

Apply Now

Homes for U

Stay on top of market trends and be the first to know about open houses

Join Homes for U

Celebrate with Rewards

Earn 2.25% APY with a Plus Checking account when you make 20+ card purchases per month this holiday season.

Explore Plus Checking

Your Card. Your Choice.

Enjoy all the benefits of a UFCU Checking with a debit card that shows off your school spirit.

Get Your College Card

Open a Free Checking Account

When you open an account at UFCU, you become a Member — not just another account number.

Your Account Awaits

Advice U Can Trust

We’re here with tips to empower you to make informed financial decisions.

Explore All Articles

6 Ways UFCU Fights Fraud

Our Asset Protection team uses innovative AI and dark web surveillance to stop fraud before it hits your wallet.

Learn How

Transfer Options

Zelle®, Non-Member and Member transfers, free online Bill Pay, and more.

Explore Your Options

21 Years, 3 Generations, One Lasting Connection

Maria’s relationship with UFCU has grown from personal support to a legacy of financial empowerment for her entire family.

Read Her Story

Banking Closer to U

UFCU makes it easy to manage your money on the go.

Explore Your Options

Upcoming Events

View All

  • Avoiding Identity Theft and Scams

    Online
    Read More

  • 'Tis the Season to Stay Informed and Celebrate with Santa at UFCU!

    Victory Lakes Branch
    Read More

  • Wrap Up Your Year with Financial Confidence

    Galveston Branch
    Read More

Mobile Branch Schedule

View All

  • Equidad/Creedmoor

    Creedmoor Community Center
    Read More

1 APR = Annual Percentage Rate. Subject to credit eligibility. Certain restrictions apply. Rates subject to change. Refinance must be from another lender (cannot be an existing UFCU auto loan). Offer expires January 31, 2026.