Proud to be a Trusted Banking Partner
Since 1936, we have been dedicated to providing personalized services, knowledgeable guidance, and the tools and resources to help our Members achieve financial success. We are proud to serve UTHealth Houston with the award-winning service we have become well known for.
By joining UFCU, you're not just opening an account — you're becoming part of a community dedicated to your financial well-being. Open an account today1 and experience Member benefits designed with you in mind, including:
UFCU Everyday Banking Gives U More:
- Free Checking6 — No NSF fees, no monthly service fees, and no minimum balance requirements.
- Plus Checking2 — 2.25% Annual Percentage Yield (APY)3 bonus dividend4, 0.25% Annual Percentage Rate (APR) auto loan rate discount5, and more.
- SimplyU™ Checking6 — A worry‑free account that helps you stay on track by letting you spend only what’s available—no overdraft fees, ever.
- Free Online Banking & Mobile App — Deposit checks, pay bills, transfer money, and manage your account anytime, anywhere.
- Early Direct Deposit — Get your paycheck up to two days early with Direct Deposit.
- Free Online Banking & Mobile App — Get your paycheck up to two days early with Direct Deposit.
- Convenient Branches — UTHealth Houston, Galveston, and Victory Lakes branches.
- Nationwide Access — Bank at over 5,000 shared branch locations across the country through the National Shared Branch Network.
- Fee-Free ATMs — Access to a number of fee-free on-campus ATMs, and 55,000 more via the Allpoint network.
Mortgage and Loan Options that Save U More:
- NEW: Boost Loan — get up to 5% of your home sales price in down payment assistance.
- Bridge Loan — allows you to purchase your new home before you sell your existing home.
- UFCU matches you with a trusted real estate professional to help you find the best mortgage loan to fit your budget and needs.
- Loans — Various options including auto, mortgage, credit cards7, personal, and Paycheck Bridge Loans to cover expenses between starting work and your first paycheck.
- Credit Builder Loan — helps you build a solid credit history.
- Our simplified digital experience allows you to apply, monitor, scan and upload documents, and access your lending and real estate contracts throughout the mortgage process.
Contact Us
(512) 467-8080 · (800) 252-8311
Meet with a UFCU representative.
Learn more about Mortgage Services.
Galveston & Coastal Area Loan Officer: Karen Hornby
Financial Success Resources for U:
- Financial Education — Attend free seminars and events designed to provide expert advice on spending, saving, borrowing, and planning.
- Credit Coach — a free online credit building tool offering personalized recommendations and improvement strategies.
- Specialized Investment Services — Connect with the team at UFCU Investment Services™ for help in reaching your goals.
- Free Retirement Resources — With Retirement Simplified, find out if you're retirement ready and discover your personalized retirement score using the Retirement Score Calculator (opens in a new window).
Open a Simply U™ Account
When you open an account at UFCU, you become a Member — not just another account number.
Open an Account
Your Path to Financial Success Starts Here
What’s a Credit Union?
Unlike big banks, where profits benefit corporate interests, at UFCU – it’s our Members who call the shots. Your success is our success.
.tmb-0.jpg?Culture=en&sfvrsn=4e110b1e_1)
U Deserve Some Credit
Building a solid credit history shouldn’t be complicated. Our Credit Builder Loans are designed to help you get there, step by step.
Support in Your Corner
Whether you’re saving, spending, or planning for what comes next, we’ve got your back with tools, resources, and events that prioritize your financial success.
1 Some Restrictions Apply
2 Subject to eligibility requirements. Rates are variable and subject to change after an account is opened. Certain restrictions apply. See full Plus Checking Terms & Conditions (PDF)(opens in a new window).
3 APY = Annual Percentage Yield.
4 Bonus Dividends on Plus Checking. As of October 1, 2024, a Bonus Dividend of 2.25% APY will be paid on balances up to $10,000 in a Plus Checking share. Balances more than $10,000 will earn dividends at the current available rate. Rate is variable and subject to change after account is open. Fees could reduce earnings.
Dividends are credited monthly. To receive this benefit, the following qualifications apply:
- Have at least twenty (20) eligible card transactions a month – the 20 eligible transactions can be a combination of debit card transactions on the Plus Checking share and credit card transactions on the same account in which the Plus Checking share resides. The eligible transactions must fully post within the month (i.e. pending transactions that have not fully posted are not counted).
- Eligible card transactions include purchases or spend transactions (exclude transactions such as cash withdrawals, transfers, cash advances or balance transfers).
- There must be a balance greater than the par value of one share to earn Bonus Dividends on a Plus Checking Share.
5 APR = Annual Percentage Rate. Auto Loan Rate Discount. A Plus Checking account can receive a 0.25% discount on a consumer auto loan (excluding internal refinances). The discount would take a quarter of a point (0.25% or 25 Bps) off the standard auto loan rate the Member qualified for. The 0.25% auto loan discount for Plus Checking members is not applicable to rates of 4.99% APR with terms of 1-48 months. The Plus Checking member discount is available on all other rates and terms. For more details, please speak with a loan officer.
To receive the Auto Loan Rate discount, the following apply:
- A Plus Checking share must be open on the same account (i.e. the same UFCU share account number) in which the consumer auto loan resides at the time of loan origination.
- The discount can only be applied to a consumer auto loan opened after 12:01 AM on 10/1/2024.
- The discount only applies to a new-to-UFCU consumer auto loan, which includes the following loan types:
- Purchase (purchase of an auto)
- External Refinance (purchased with dealer and Member refinances with UFCU)
- The discount is not available on:
- Existing auto loans funded prior to opening the Plus Checking share
- Loans already financed with UFCU (e.g. an internally refinanced auto loan)
- Any other loan balance at UFCU
- Commercial or Business auto loans
- The Member must qualify for the auto loan to receive the discount.
- Having a Plus Checking account does not guarantee loan approval.
All the standard qualifications for obtaining the loan must be met.
6 Must meet eligibility requirements. Certain restrictions apply. Rates are variable and subject to change after an account is opened.
7 Credit is subject to approval. Terms and conditions apply
8 Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA(opens in a new window)/SIPC(opens in a new window)). Insurance products are offered through LPL or its licensed affiliates. UFCU and UFCU Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using UFCU Investment Services, and may also be employees of UFCU. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, UFCU or UFCU Investment Services. Securities and insurance offered through LPL or its affiliates are:
Not Insured by NCUA or Any Other Government Agency
Not Credit Union Guaranteed
Not Credit Union Deposits or Obligations
May Lose Value