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1st University

24 La Salle Ave unit C, Waco, TX 76706
NCUA Insured4.9 (185 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1956

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

24 La Salle Ave unit C

Waco, TX 76706

Service Area

This credit union is located in Waco and serves members in the TX area. Currently serving 1,899 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

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.

Best Rates in TX

Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

4.9

185 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Brianna Rodriguez

Brianna 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

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

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

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

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!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).