1st University Credit Union

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1st University Credit Union Helping you do life. Whatever matters to you, matters to us. Instead, our members are our owners. Neat, right? We are federally insured by NCUA.

From saving and borrowing to making everyday payments, we're here for you—every step of your financial journey. So, what makes credit unions different?

1st UCU offers the same products as banks, but we don’t have any outside owners or shareholders. Just like when the credit union was formed, members pool their money by making deposits into their savings, checking, money market, and/or certificate accounts. That money is then loaned to members so they can purchase the things they need and want, like automobiles, homes, and more. But because we do not have outside owners pressuring us to make more and more profits like banks do, we can set our rates (dividends on deposits and interest on loans) and fees to best benefit our members while maintaining the financial security of the credit union. That means our profits are reinvested in you, giving you more for your money. This means better rates, better service, and your ability to achieve your goals sooner. Our NMLS # is 753866.

Shopping for a new ride? Your first payment can wait.For a limited time, qualified borrowers can get up to 90 days befor...
10/15/2026

Shopping for a new ride? Your first payment can wait.

For a limited time, qualified borrowers can get up to 90 days before their first auto loan payment is due with 1st University Credit Union.

That can mean a little extra breathing room for insurance, registration, holiday expenses, or whatever else is competing for your budget.

Plus, you’ll get competitive rates, flexible financing options, and help from a local loan team when you need it.

Offer available through December 31. Apply online today 🔗https://www.mobicint.net/bue/loanapp/list



Loan approval and terms subject to creditworthiness and other underwriting criteria. Deferred first payment may increase total finance charges. Offer ends 12/31/26.

Did you know? Even when our office is closed, our 24/7 Call Center (254-752-2797) is available to help you manage your a...
10/12/2026

Did you know? Even when our office is closed, our 24/7 Call Center (254-752-2797) is available to help you manage your accounts. Of course, you can also use online banking or the mobile app if you'd prefer.

Think Online Banking is just for checking your balance? Think again.With 1st UCU Online Banking, you can do a lot more, ...
10/08/2026

Think Online Banking is just for checking your balance? Think again.

With 1st UCU Online Banking, you can do a lot more, including:
💠 Freeze a lost debit or credit card
💠 Monitor your credit score with SavvyMoney
💠 Access Allstate Identity Protection
💠 Make a loan payment with Pay-by-Card
💠 Deposit checks from your phone
💠 Review balances and account activity anytime

You may not need Online Banking every day. But when you do, you’ll be glad it’s there.

Not enrolled yet? Contact Member Services (254-752-2797) and we’ll help you get set up.

What happens when a community comes together around a shared table? 💚Last night’s Caritas of Waco Feast of Caring was a ...
10/07/2026

What happens when a community comes together around a shared table? 💚

Last night’s Caritas of Waco Feast of Caring was a wonderful reminder of just how much heart there is in our community.

Ten local restaurants, caterers, bakeries and culinary programs brought their best to the Soup & Dessert Cook-Off, but the best part of the evening was seeing so many people from across Waco come together for one reason: to support neighbors who need a helping hand.

1st University Credit Union was proud to serve as a Silver Sponsor of this year’s Feast of Caring and to support the work Caritas does every day to help move people beyond hunger toward greater stability and hope.

Good food. Great people. An even better cause.

Thank you, Caritas of Waco, for bringing our community together. We were honored to be part of it. 💚


Paying 20%+ on a credit card balance? That can add up fast.With a 1st University Credit Union Platinum MastercardÂŽ, you ...
10/06/2026

Paying 20%+ on a credit card balance? That can add up fast.

With a 1st University Credit Union Platinum MastercardÂŽ, you may qualify for an introductory balance transfer rate as low as 4.50% APR* for 6 months, with no balance transfer fee.

On a $2,500 balance, that could mean a difference of about $221 in interest over six months compared with the current 22.15% average APR on credit card accounts being charged interest.*

A lower rate could give your budget a little more breathing room.

Learn more or apply: culink.net/credit-cards

*APR=Annual Percentage Rate. Rates vary based on creditworthiness. Federal Reserve Board, G.19 Consumer Credit, May 2026. Average APR on commercial bank credit card accounts assessed interest: 22.15%. Terms, conditions and credit approval apply.

Santa will be here before you know it. If holiday spending is already on your mind, now may be a good time to refinance ...
10/01/2026

Santa will be here before you know it. If holiday spending is already on your mind, now may be a good time to refinance your auto loan. With 1st University Credit Union, qualified borrowers can defer their first payment for 90 days when they refinance. That could mean a little extra breathing room as the holiday season gets closer.

🚗 Refinance with us and see if you can lower your rate, lower your payment, or both. https://rpb.li/1QV6MC



Subject to credit approval. Interest will continue to accrue during the deferred payment period. Other terms and conditions may apply.

Their money. Their card. Their first checking account.💳For ages 14–17, Youth Checking from 1st University Credit Union g...
09/29/2026

Their money. Their card. Their first checking account.💳

For ages 14–17, Youth Checking from 1st University Credit Union gives teens a simple way to start managing money of their own.

✅ No monthly fee
✅ Joint owner welcome, but not required
✅ Debit card in their name
✅ Earn a $10 monthly bonus after 30 qualifying debit card purchases*

It’s a little independence for them, and a smart start for what comes next.

👉 Learn more or open an account: https://rpb.li/exd

*30 qualifying debit card purchases must post to the account during the monthly qualification period to earn the $10 bonus. Additional terms may apply.

The 2027–28 FAFSA® form is now available! 🎓If college is in your plans for next year, now is a great time to complete th...
09/25/2026

The 2027–28 FAFSA® form is now available! 🎓
If college is in your plans for next year, now is a great time to complete the Free Application for Federal Student Aid. FAFSA can help determine eligibility for federal grants, work-study programs and student loans, as well as some state and school-based aid.
Don’t wait until deadlines are looming. Get started today at StudentAid.gov.

⭐ Another happy member. Another car loan made easier.Finding the right vehicle is exciting. Financing it shouldn’t make ...
09/21/2026

⭐ Another happy member. Another car loan made easier.

Finding the right vehicle is exciting. Financing it shouldn’t make things complicated.

We love hearing that Kevin made the loan process easy and helped this member find a great rate along the way. 🚗💚

Thank you for trusting 1st University Credit Union with your auto loan!

Fraud doesn’t always arrive looking like fraud.Sometimes it looks like a helpful text asking whether you made a purchase...
09/17/2026

Fraud doesn’t always arrive looking like fraud.

Sometimes it looks like a helpful text asking whether you made a purchase. Sometimes it’s a caller saying they’re trying to protect your card. The message may sound urgent, look legitimate, and even appear to come from a familiar phone number.

That’s exactly why it pays to stop before you respond or provide information.

If someone contacts you about possible fraud, a suspicious purchase, or a problem with your card, end the conversation and contact your bank or card issuer yourself using a published phone number you trust.

And remember: never give your PIN, password, or secure verification code to someone who contacted you first.

A few extra seconds to verify who you’re really talking to can make all the difference. 💚

Address

24 La Salle Avenue
Waco, TX
76706

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

+12547522797

Website

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