Credit union · NCUA insured
UFCU
Top CarrotA $4.3B credit union, the 116th largest of 4,329, headquartered in Austin, TX, with 422,795 members and 29 branches in Texas. Best rates: CDs 4.10% and savings 0.01% APY.
UFCU Carrot Score
Carrot ScoreTop Carrot
Higher than 78% of U.S. banks and credit unions
#14 of 51 in Austin, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About UFCU
UFCU is a member-owned cooperative headquartered in Austin, Texas.
- Headquarters
- 8303 N Mo Pac Expy, Austin, TX 78759-8501
- NCUA charter
- 1367
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join UFCU for free through membership in the American Consumer Council.
Employers and groups
- Employees, students, or alumni of partner organizations (Foundation Communities, Goodwill, Indeed, YMCA) are eligible for membership.
Military, government and schools
- Employees, students, or alumni of participating educational institutions and affiliated medical centers are eligible for membership.
Branches
29 branches in Texas
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Texas
29 branches
Austin area · 25
- ACC Eastview3401 Webberville Rd Ste 3154, Austin, TX 78702Directions
- ACC Highland6101 Highland Campus Dr, Austin, TX 78752Directions
- Ben White130 E Ben White Blvd, Austin, TX 78704Directions
- Brodie9925 Brodie Ln, Austin, TX 78748Directions
- Concordia11400 Concordia University Dr, Austin, TX 78726Directions
- Downtown201 W 7th St, Austin, TX 78701Directions
- Gregory Gym2101 Speedway, Austin, TX 78712Directions
- Guadalupe4611 Guadalupe St, Austin, TX 78751Directions
- Lakeline13860 N Highway 183, Austin, TX 78750Directions
- Mueller1801 E 51st St Ste 200, Austin, TX 78723Directions
- Scofield12605 Scofield Farms Dr, Austin, TX 78727Directions
- South Mopac5033 W Highway 290, Austin, TX 78735Directions
- Southpark Meadows301 W Slaughter Ln, Austin, TX 78748Directions
- Steck3305 Steck Ave, Austin, TX 78757Directions
- University2244 Guadalupe St, Austin, TX 78705Directions
- New Hope5202 Hwy 183A Toll Road, Cedar Park, TX 78613Directions
- Georgetown4409 Williams Dr, Georgetown, TX 78628Directions
- Kyle4410 South FM 1626, Kyle, TX 78640Directions
- Manor11940 E US Hwy 290, Manor, TX 78653Directions
- Kelly Lane2021 Kelly Ln, Pflugerville, TX 78660Directions
- Pflugerville15116 Farm To Market Rd 1825, Pflugerville, TX 78660Directions
- Highway 792151 E Palm Valley Blvd, Round Rock, TX 78665Directions
- Teravista571 University Blvd, Round Rock, TX 78665Directions
- San Marcos1190 Thorpe Ln, San Marcos, TX 78666Directions
- Texas State LBJ109 Student Center Dr, San Marcos, TX 78666Directions
Houston area · 4
- Galveston428 Post Office ST, Galveston, TX 77550Directions
- UT Health7000 Fannin St, Houston, TX 77030Directions
- Victory Lakes2500 Gulf Fwy S, League City, TX 77573Directions
- Pearland2940 Broadway Bend Dr, Pearland, TX 77584Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.65% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.11% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.77% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $86 | $88 | — |
- CapitalNet worth ratio9.65%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.11%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.77%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$86Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of UFCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.