University Credit Union
Verified rate book
Current University Credit Union rates
63 published offers verified as of August 4, 2026.
Mortgage rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 6.499% APR | 6.000% | — | Standard |
| 30-Year Fixed30 year fixed | 6.499% APR | 6.000% | — | Standard |
Auto & vehicle rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Rates with U in Mind (Auto Loans)auto_any_48mo | 4.990% APR | 4.990% | 48 mo | Standard |
| 66-Month Auto Loanauto_any_66mo | 5.640% APR | 5.640% | 66 mo | Standard |
| 67-Month Auto Loanauto_any_67mo | 5.890% APR | 5.890% | 67 mo | Standard |
| 67 Plus Monthsauto | 5.890% APR | 5.890% | — | Standard |
Personal loan rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Other Secured Loanpersonal_secured_36mo | 8.550% APR | 8.550% | 36 mo | Standard |
| Other Secured Loanpersonal_secured_75mo | 8.750% APR | 8.750% | 75 mo | Standard |
| Other Secured Loanpersonal_secured_76mo | 10.650% APR | 10.650% | 76 mo | Standard |
| 60-Month Signature Loanpersonal_unsecured_60mo | 12.900% APR | 12.900% | 60 mo | Standard |
| Personal Line-of-Creditploc_variable | 12.900% APR | 12.900% | — | Standard |
Credit card rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Simplify the Way You Shop (Great Rate VISA ®)credit_card | 9.490% APR | 9.490% | — | Standard |
| Travel Rewards VISA ®credit_card_rewards | 13.900% APR | 13.900% | — | Standard |
| Cash Back Credit Cardcredit_card_cash_back | 14.900% APR | 14.900% | — | Standard |
Savings & CD rates
42 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Variable-Rate IRAira | 0.01% APY | 0.01% | — | Standard |
| Savingssavings | 0.01% APY | 0.01% | — | Standard |
| Plus (without bonus)savings | 0.01% APY | 0.01% | — | Standard |
| $0 To $10,000savings | 0.01% APY | 0.01% | — | Standard |
| Money Marketmoney_market | 0.01% APY | 0.15% | — | Standard |
| Money Marketmoney_market | 0.01% APY | 0.01% | — | Standard |
| $0 to $10,000 w/ Bonus Dividend *savings | 0.06% APY | 0.06% | — | Standard |
| Money Market w/ Bonus Dividendmoney_market | 0.06% APY | 0.06% | — | Standard |
| Money Marketmoney_market | 0.12% APY | 0.50% | — | Standard |
| $10,000 To $49,999.99savings | 0.15% APY | 0.15% | — | Standard |
| Variable-Rate Early Saver Certificatecd_12mo | 0.25% APY | 0.25% | 12 mo | Standard |
| Teen & Kidz Savingssavings | 0.25% APY | 0.25% | — | Standard |
| Money Marketmoney_market | 0.31% APY | 0.99% | — | Standard |
| Teensavings | 0.50% APY | 0.50% | — | Eligibility restricted |
| $50,000 To $99,999.99savings | 0.50% APY | 0.50% | — | Standard |
| $100,000 To $499,999.99savings | 0.99% APY | 0.99% | — | Standard |
| Plus (with bonus * )savings | 2.23% APY | 2.23% | — | Standard |
| $500,000 To $999,999.99savings | 2.47% APY | 2.47% | — | Standard |
| $1,000,000 and Greatersavings | 3.20% APY | 3.20% | — | Standard |
| 3-Month Certificatecd_3mo | 3.20% APY | 3.20% | 3 mo | Standard |
| Fixed-Rate Certificatecd_3mo | 3.25% APY | 3.20% | 3 mo | Standard |
| 6-Month Certificatecd_6mo | 3.30% APY | 3.30% | 6 mo | Standard |
| 24 Month Step-Upcd_24mo | 3.35% APY | 3.35% | 24 mo | Standard |
| Fixed-Rate Certificatecd_6mo | 3.35% APY | 3.30% | 6 mo | Standard |
| Fixed-Rate IRAira | 3.35% APY | 3.30% | 6 mo | Standard |
| Fixed-Rate Certificatecd_24mo | 3.40% APY | 3.35% | 24 mo | Standard |
| Fixed-Rate IRAira | 3.40% APY | 3.35% | 24 mo | Standard |
| 12-Month Certificatecd_12mo | 3.44% APY | 3.44% | 12 mo | Standard |
| 24-Month Certificatecd_24mo | 3.49% APY | 3.49% | 24 mo | Standard |
| 18-Month Certificatecd_18mo | 3.49% APY | 3.49% | 18 mo | Standard |
| Fixed-Rate Certificatecd_12mo | 3.50% APY | 3.44% | 12 mo | Standard |
| Up to 12-Month Certificate (Up to $20,000)cd_12mo | 3.50% APY | 3.50% | 12 mo | Standard |
| Fixed-Rate IRAira | 3.50% APY | 3.44% | 12 mo | Standard |
| 36-Month Certificatecd_36mo | 3.54% APY | 3.54% | 36 mo | Standard |
| Fixed-Rate Certificatecd_18mo | 3.55% APY | 3.49% | 18 mo | Standard |
| Fixed-Rate IRAira | 3.60% APY | 3.54% | 36 mo | Standard |
| Fixed-Rate Certificatecd_36mo | 3.60% APY | 3.54% | 36 mo | Standard |
| 60-Month Certificatecd_60mo | 3.64% APY | 3.64% | 60 mo | Standard |
| 48-Month Certificatecd_48mo | 3.64% APY | 3.64% | 48 mo | Standard |
| Fixed-Rate Certificatecd_48mo | 3.70% APY | 3.64% | 48 mo | Standard |
| Rates with U in Mind (Certificates)cd_48mo | 3.70% APY | 3.70% | 48 mo | Standard |
| Fixed-Rate IRAira | 3.70% APY | 3.64% | 48 mo | Standard |
Other rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Effective Date: March 24, 2026 Fees could reduce earnings. (6 Month)other | 3.300% % | 3.300% | — | Standard |
| Effective Date: March 24, 2026 Fees could reduce earnings. (24 Month Step-Up)other | 3.348% % | 3.348% | — | Standard |
| Effective Date: March 24, 2026 Fees could reduce earnings. (12 Month)other | 3.445% % | 3.445% | — | Standard |
| Effective Date: March 24, 2026 Fees could reduce earnings. (24 Month)other | 3.494% % | 3.494% | — | Standard |
| Effective Date: March 24, 2026 Fees could reduce earnings. (36 Month)other | 3.542% % | 3.542% | — | Standard |
| Effective Date: March 24, 2026 Fees could reduce earnings. (48 Month)other | 3.639% % | 3.639% | — | Standard |
| Effective Date: March 24, 2026 Fees could reduce earnings. (60 Month)other | 3.639% % | 3.639% | — | Standard |
As of August 4, 2026, University Credit Union offers a 30-year fixed mortgage at 6.499% APR. Auto loans available from 4.99% APR for 48 months. Personal loan rates from 8.55% APR. Credit card rates from 9.49% APR. Savings and certificate yields up to 3.70% APY.
Source: RateAPI.dev, verified from University Credit Union's official website
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About University Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 422.8K
- Assets
- $4.3B
- Founded
- 1936
- Locations reported
- 30
- NCUA charter
- 1367
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Financial counseling
- Financial education
- First-time homebuyer program
- Bilingual services
- Student scholarships
- Credit-builder products
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join University Credit Union
Membership eligibility from University Credit Union's own published criteria. How we verify this.
Membership via employers (Ascension/Seton +17 more)
- EmployerAscension/Seton, Austin Community College (ACC), Concordia University (CTX), Foundation Communities, Galveston College, Goodwill, Huston-Tillotson University (HT), Indeed, St. Edward's University (SEU), Southwestern University (SU), Temple College (TC), Texas State University (TXST), TX A&M at Galveston (TAMUG), TX A&M HSC, University of Texas at Austin (UT Austin), University of Texas Medical Branch (UTMB), UTHealth-Houston, YMCA
Verified from University Credit Union's membership page. Final membership determination is always made by the credit union.
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Frequently Asked Questions
What rates does University Credit Union offer?
University Credit Union currently offers mortgage, Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are University Credit Union rates updated?
RateAPI verifies University Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get University Credit Union's rate data?
Rate data is collected directly from University Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is University Credit Union's mortgage rate?
As of August 4, 2026, University Credit Union offers a 30-year fixed mortgage at 6.499% APR.
What are University Credit Union's auto loan rates?
As of August 4, 2026, University Credit Union offers auto loans from 4.99% APR.
What is University Credit Union's personal loan rate?
As of August 4, 2026, University Credit Union offers personal loans from 8.55% APR.
What is University Credit Union's best CD rate?
As of August 4, 2026, University Credit Union offers savings and certificate (CD) yields up to 3.70% APY.
Related Rate Data
Compare University Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for University Credit Union
curl "https://api.rateapi.dev/credit-unions/texas/university" \
-H "Authorization: Bearer YOUR_API_KEY"