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 are here to help you with your financial health. By keeping our Member-elected board of directors local, we have the advantage of first-hand knowledge about local markets as well as the needs of our Members and greater communities.

We credit these values with making us Austin’s largest locally owned financial institution, also serving Galveston County.

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Why Choose a Credit Union?

The credit union motto is “Not for profit, not for charity, but for service,” and you’ll find it reflected every day at UFCU. Credit unions are unique in the financial world because we share the following special qualities:

  • 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 financial institution — 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 our leaders, and you benefit equally from the success of our business.

Credit unions have more than 100 years of history in the US, and in 2019 more than 5,300 federally insured credit unions nationwide served more than 117.3 million Members.

Learn Why Your Funds Are Safe at UFCU

Diverse, Inclusive, 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 we serve on all grounds, including but not limited to race, gender, 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 we live, work, and play. 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. The UFCU vision, mission, and values support 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.

UFCU is proud to be a part of the credit union movement, which advocates for social justice and financial inclusion. The Credit Union National Association (CUNA) expects every credit union to live out their mission of people helping people, which is rooted in compassion for all people. Simply put, the lives of our Black Members and Black individuals in our communities matter to us. We stand with CUNA against racism, against discrimination, and for the following principles:

  • The Credit Union Movement recognizes the historic, systemic, and institutional racism toward Black people and Black communities.
  • The Credit Union Movement stands against racism and discrimination.
  • The Credit Union Movement must be made up of employers that prioritize diversity, inclusion and equity, where employees feel valued, safe, included, respected, and justly treated, regardless of their racial identity.
  • The Credit Union Movement must be unwavering in its commitment to deepen and support Black and other historically marginalized communities by promoting financial inclusion, equity, and economic opportunity, and recognizing the mission of people helping people and the Movement’s unique position to be a catalyst for change.

Our Objective Is Your Success

At UFCU, we’re dedicated to the well-being of our Members, and committed to providing opportunities for all to grow and learn. Because education is key to the health of our communities, we work to provide ongoing seminars and events that are designed to help you at every stage of your financial journey.

We’ve identified four key pillars of financial health that can help guide your learning.

  • Spend: Do you know how you’re spending your money or where your money is going? Seminars and events in this category help you get a handle on your budget.
  • Save: Setting aside money for the unexpected can sometimes be a challenge. Seminars and events in this category provide strategies to help you build a cushion and plan ahead.
  • Borrow: Debt is often seen as negative, but when managed correctly, it can positively impact your overall financial health. Seminars and events in this category help you maximize your credit score and manage your debt.
  • Plan: Whether retirement is decades away or right around the corner, there are ways to be prepared. Seminars and events in this category help you get there.

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