1st University Credit Union has been helping people achieve their financial goals since 1956 when the president of Baylor University wrote a letter to the Texas Credit Union Department requesting a charter for a credit union to serve the employees, students, and alumni of Baylor and their families.
Today, the full-service credit union continues to serve the Baylor community as well a geographic area surrounding Waco by providing financial services and products to meet modern demands. Like All Credit Unions, 1st University Credit Union is a Not-for-Profit Financial Cooperative. When you join the credit union, you become a shareholder - or an owner - of a very unique financial institution.
Today, the full-service credit union continues to serve the Baylor community as well a geographic area surrounding Waco by providing financial services and products to meet modern demands. Like All Credit Unions, 1st University Credit Union is a Not-for-Profit Financial Cooperative. When you join the credit union, you become a shareholder - or an owner - of a very unique financial institution.
Services
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in different ways. Overdrafts are paid at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.
Your home could be the single largest investment you'll ever make. So, when you're buying a new home, refinancing your current home, or remodeling, call 1st UCU Home Mortgage. We have a full service mortgage loan department ready to assist you. We can help you pre-qualify for a mortgage loan. When you visit with us, we will help assess your credit and income to determine how much you can borrow.
A competitive interest rate is paid quarterly on the average daily balance in your savings account. To withdraw money from your savings account, simply stop by the credit union or go to an ATM terminal. Make deposits directly to your savings account by mobile deposit, direct deposit, or at any of our many CO-OP Shared Branches.
Get the Mastercard Check Card* from 1st University Credit Union that works like a check - only better! Use our Debit Card to make purchases from your checking account everywhere you see the Mastercard symbol. Just give the merchant your Debit Card instead of a check or cash to pay for purchases at more than 15 million locations worldwide.
With our ATM card, you'll enjoy the flexibility to access your money whenever you need it. Whether you're across town or across the country, the funds from your 1st University Credit Union accounts will be at your fingertips 24 hours a day through any CO-OP, STAR or PULSE machine. Important Note: When you use a CO-OP ATM, you will not be charged a fee from the institution that owns the ATM.
