Business Details
50+ Years
experience
Your Trusted Financial Partner in Waco, TX
Founded in 1956 by Baylor University employees, 1st University Credit Union has grown to serve Central Texas communities with a member-first philosophy. As a not-for-profit financial cooperative, we prioritize people over profits, offering competitive rates, personalized service, and tools to help members achieve financial wellness. Our services span everyday banking, milestone financing, and long-term planning, supported by 24/7 digital access and local expertise in McLennan, Erath, and Bosque counties.We empower members through lower loan rates, savings dividends, and community-focused initiatives, maintaining our founding commitment to service and trust. With physical branches, shared networks, and modern banking solutions, we ensure accessibility and convenience while adhering to strict financial compliance standards. Our team combines decades of local knowledge with innovative technology to deliver secure, transparent financial guidance tailored to individual needs.
Services
Auto Loans
Home Loans
Student Loans
Checking Accounts
Savings Accounts
Credit Cards
Personal Loans
Recreation Loans
Mortgage Services
Digital Banking
Details
- Year established: 1956
Highlights and features
- We operate as a member-owned cooperative prioritizing your financial success over profits.
- Our 24/7 digital banking platform offers convenient access to accounts and services.
- Local decision-making ensures personalized loan approvals and community-focused policies.
- We provide financial education resources to support informed money management decisions.
- Our shared branch network grants access to 5,600+ locations nationwide for added convenience.
Services
Auto Loans
Our auto loans offer competitive rates for new and used vehicle purchases with flexible terms. Members benefit from streamlined pre-qualification and personalized payment plans. Local underwriting ensures faster approvals tailored to individual financial situations.
Home Loans
We provide fixed and adjustable-rate mortgages for home purchases and refinancing. Our lending experts guide members through the process with transparent terms and down payment assistance options. Competitive rates reward strong credit profiles and long-term commitments.
Student Loans
Designed to cover education costs with favorable terms for students and families. Our loans feature competitive rates, deferred payment options during schooling, and financial counseling resources. Available for undergraduate and graduate programs.
Checking Accounts
Multiple checking options serve diverse financial needs, including free teen accounts, senior benefits, and second-chance banking. Features include mobile check deposit, overdraft protection, and no monthly maintenance fees for qualified members.
Digital Banking
24/7 access to account management through secure mobile and online platforms. Features include bill pay, fund transfers, card controls, and remote check deposit. Integration with budgeting tools supports real-time financial tracking and management.
Questions
What loan types do you offer?
We provide auto loans, home mortgages, student loans, personal loans, and recreation loans for boats/RVs with competitive rates.
Are you federally insured?
Yes, our deposits are insured up to $250,000 by the NCUA, a U.S. government agency protecting credit union members.
Do you have mobile banking?
Yes, our mobile app allows 24/7 account access, check deposits, bill payments, and card management features.
What are your branch hours?
Our Waco branch operates Monday-Friday 9:00 AM - 5:30 PM with 24/7 digital banking availability.
How do I apply for a loan?
Apply online through our secure portal, visit our branch, or contact our lending team for personalized assistance with pre-qualification.
Do you offer business accounts?
While primarily serving individuals, we offer select business banking solutions - contact us for specific inquiries.
