Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions in Waco, TX
1st University Credit Union has been dedicated to empowering members with personalized financial solutions since 1956. Founded by Baylor University employees, we began as Baylor Employees Credit Union and have grown to serve the broader Central Texas community across McLennan, Erath, and Bosque counties. As a member-owned financial cooperative, our mission prioritizes people over profits, offering competitive rates, personalized service, and tools to help members achieve financial wellness. Our services span everyday banking, major life milestones, and long-term planning, including checking accounts, auto loans, mortgages, student loans, and investment products.We combine modern digital banking with local expertise, ensuring accessibility through 24/7 online services, mobile apps, and physical branches. Our commitment to community support and financial education is exemplified through partnerships like GreenPath Financial Wellness, providing free resources to enhance financial literacy. With a heritage rooted in service and transparency, we remain focused on making life easier for our members at every stage of their financial journey.
Services
Checking Accounts
Auto Loans
Home Loans
Student Loans
Credit Cards
Savings Accounts
Certificates of Deposit
Personal Loans
Mortgage Loans
Digital Banking
Details
- Year established: 1956
Highlights and features
- We are a member-owned credit union prioritizing your financial success over profits.
- Our 24/7 digital banking provides convenient access to accounts and services.
- We offer personalized financial education through partnerships like GreenPath Financial Wellness.
- Our local expertise serves Central Texas communities with tailored banking solutions.
- We return earnings to members through competitive rates and low fees.
Services
Checking Accounts
Our checking accounts provide no-fee options for teens, seniors, and those rebuilding credit. Features include early payday access, cash-back rewards, and mobile banking convenience. Designed for everyday financial management with personalized support.
Auto Loans
Competitive auto loans offer low APRs for new and used vehicles, with pre-qualification options to simplify car-buying. Terms adjust to creditworthiness, ensuring affordable payments for members purchasing cars, trucks, or motorcycles.
Home Loans
Home loans include conventional, FHA, and VA options for purchasing or refinancing. Our mortgage specialists guide members through the process, offering competitive rates and equity-building opportunities for first-time buyers or seasoned homeowners.
Student Loans
Student loans support higher education funding with flexible terms and competitive rates. We help members create smart repayment strategies while providing financial literacy resources to manage education debt effectively.
Digital Banking
24/7 digital banking enables account management, bill payments, check deposits, and card controls via mobile apps or web platforms. Security features like card freezing and biometric authentication protect transactions while ensuring convenience.
Questions
What services does 1st University Credit Union offer?
We provide checking/savings accounts, auto/home/student loans, credit cards, financial education, and digital banking tools tailored to member needs.
How can I apply for a loan?
Apply online through our secure portal, visit a branch, or contact Member Services at (254) 752-2797 for personalized assistance with loan applications.
Is my money safe with a credit union?
Yes. As a state-chartered credit union, deposits are federally insured up to $250,000 by the NCUA, ensuring security for members' funds.
Do you offer 24/7 account access?
Yes. Our online banking and mobile app allow 24/7 account management, including transfers, bill payments, and check deposits from your phone.
What financial education resources are available?
Through GreenPath Financial Wellness, we offer free webinars, budgeting tools, debt management guides, and one-on-one counseling to improve financial literacy.
Reviews (4)
Ernie Williams
Dec 07, 2019
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Very unprofessional.gossip to members about other customers personal business.especially the fat bald manager.will never do business there again.and advise everyone I know of the same
Hope Pounders
Oct 07, 2018
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We have been with First University for ten plus years. We always receive excellent customer service and are treated warmly and professionally. You can not go wrong joining First University!
Caleb Marsh
Feb 02, 2018
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I have financed cars and personal loans through 1st University Credit Union. They have been extremely helpful and accommodating. If they had more easily accessible online features I would have given them a five star rating. Keep up the good work!
Soumyadeep Nag
Feb 03, 2016
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If you can't transfer funds online .... I don't think there's another reason to like it....and if I you don't have a swift code why are you here for international students at all...
