317 31st St
Huntington, WV 25702


General Credit Union Information

NCUA Insured Yes
Charter Number # # 785
Date Established 1935
Assets $84.08 million
Loans $30.32 million
Deposits $69.93 million
Capital $11.13 million

Universal is an NCUA insured institution located in Huntington, WV. It was founded in 1935 and has approximately $84.08 millions in assets.

Field of Membership Restrictions

Membership is open to those who live, work, attend school, worship, volunteer, or belong to an association in the counties of Cabell County, Mason County, Wayne County and Lincoln County in West Virginia, and Lawrence County in Ohio.

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates (Share Certificate Rates) APY MIN MAX
Savings Rates (Share Account Rates) APY MIN MAX
Savings 2.5K
0.05% $100 $5,000 Learn MoreShow Less
Fixed IRA 0K
0.20% $5,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.50% $1 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for UNIVERSAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.771% 3.750% 0.00 $642 $1,158 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Universal branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Universal Locations

Financial Details

Universal Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Universal. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA insured. Depositors should be careful to remain within NCUA-insurance limits.

Texas Ratio
Universal U.S. Average
6.93% 6.15%

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. As of June 30, 2017, Universal had $778,688 in non-current loans and $0 in owned assets. To cover these potential losses it had $11,134,313 in net worth and $99,828 in loans loss reserves. That gives it a Texas Ratio of 6.93%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a credit union has to absorb its loan losses.

Net Worth
Universal U.S. Average
13.24% 13.03

Universal FCU has a net worth of 13.24% versus the BestCashCow average of 13.03. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions On UNIVERSAL


A federal credit union, registered with the NCUA under certificate #785.
Learn more about credit unions here.


No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join UNIVERSAL?

Please see Field of Membership information above for information on who is eligible to join.

What are UNIVERSAL's share account and share certificate rates?

UNIVERSAL's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is UNIVERSAL?

UNIVERSAL has total capital of $11.13 million. Full information on UNIVERSAL's financial position is located above.


Credit Unions are owned by their members.

Where are UNIVERSAL branches located?

See branch locations nearby.

Are UNIVERSAL ATMs Open 24/7?

Do UNIVERSAL ATMs accept cash deposits?

Can UNIVERSAL customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does UNIVERSAL have a mobile app?

Does UNIVERSAL have mobile deposit?

Does UNIVERSAL have quick pay?

How can UNIVERSAL transfer money to other banks or credit unions?

Does UNIVERSAL report to credit bureaus?

Does UNIVERSAL use Chexsystems?

Does UNIVERSAL use Equifax?

What is UNIVERSAL's toll free phone number?

What is UNIVERSAL's ACH Routing Number?

What is UNIVERSAL's SWIFT code?

Where can I find UNIVERSAL's wire transfer form?

What is the UNIVERSAL address for deposits?

What Products Does UNIVERSAL Offer

Does UNIVERSAL offer mortgages?

Compare mortgage rates here.

Does UNIVERSAL offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does UNIVERSAL offer auto and RV loans?

Compare auto loan rates here.

Does UNIVERSAL offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for UNIVERSAL

There are currently no comments for UNIVERSAL. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →