NCUA Insured
Member-Owned
2 charter
Established in 1956
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Waco, TX may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1956
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Waco and serves members in the TX area. Currently serving 1,899 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
5.52%Used Auto Loan
7.75%Personal Loan
11.37%Credit Card APR
11.16%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).
Odessa, TX
Houston, TX
Amarillo, TX
Levelland, TX
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
4.9
185 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsBrianna Rodriguez
3 months ago
Mr. Michael helped me with my auto loan. He did a great job in informing me about everything regarding financing a car. I got a great rate and everything went smoothly. As a first time buyer, this was such a blessing.
Yvette Garcia
5 months ago
Michael Connolly is the best. He took the time to explain all details when applying for an auto loan. He answered our questions quickly, he knew all answers immediately. He made the process easy for us. Michaels kindness is much appreciated. Thank you Michael and Thank you 1st University Credit Union. Ramona Book
Cam Cam
6 months ago
I’ve been doing continuous business with these guys for many years and it has always been a great experience. I recently bought a truck from another state and they helped make the process very easy. Michael Connolly and the rest of the staff are very welcoming. I highly recommend this credit union.
Kurt Crunk
4 months ago
I have never been treated so good. I love this credit union. Ashley Cathy is the most Amazing person. I would like to say Thank you. Need a credit union, this is it... 5 STARS
Leonel Diaz
9 months ago
I’ve had a great experience with 1st University Credit Union. Michael and Kevin are super helpful! The staff is always friendly, professional, and willing to go the extra mile to answer questions. Their loan process was smooth and stress-free, with clear communication every step of the way. I also appreciate the lower fees and better rates compared to traditional banks. It feels good to be part of a credit union that truly values its members. Highly recommend!
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(254) 752-2797Website
Visit WebsiteMembers
1,899
Total Assets
$17.9M
Year Opened
1956
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile