317 31st ST
Huntington, WV 25702

Notable Rates APY Vs.Others
Savings 0.05% 2.20% →
1-Year CD 0.60% 2.20% →
2-Year CD 1.00% 2.20% →
5-Year CD N.A. 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Universal is an NCUA insured institution located in Huntington, WV. It was founded in 1935 and has approximately $83.17 millions in assets.

NCUA Insured Yes
Charter Number # # 785
Date Established 1935
Assets $83.17 million
Loans $27.00 million
Deposits $67.79 million
Capital $11.44 million

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.

Deposit Rates - February 26, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Fixed IRA
0.60% $5,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
12 Mo CD
0.60% $5,000 - Learn MoreShow Less
24 Mo CD
1.00% $5,000 - Learn MoreShow Less
36 Mo CD
1.41% $5,000 - Learn MoreShow Less
48 Mo CD
1.61% $5,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.50% $1 - Learn MoreShow Less

Loan Rates - February 26, 2020

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.158% 3.125% 0.38 $1,030 $1,071 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Rocket Mortgage
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

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
0.67% 5.86

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. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Universal had $77,418 in non-current loans and $0 in owned assets. To cover these potential losses it had $11,441,720 in net worth and $93,735 in loans loss reserves. That gives it a Texas Ratio of 0.67%.

Net Worth
Universal U.S. Average
13.75% 13.65%

Universal FCU has a net worth of 13.75% versus the BestCashCow average of 13.65. 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 About Universal

Branches and Savings

What is Universal?

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

Is Universal FDIC insured?

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 $11.44 million. Full information on Universal's financial position is located above.

Who owns Universal?

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.

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