Universal Federal Credit Union

Headquarters

317 31st St
Huntington, WV 25702
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Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.60% →
2-Year CD N.A. 4.90% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Universal is an NCUA insured institution located in Huntington, WV. It was founded in 1935 and has approximately $90.47 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 785
Date Established 1935
Assets $90.47 million
Loans $30.55 million
Deposits $79.53 million
Capital $12.12 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 - April 21, 2024

Your Current Location: Virginia, VA 20146

We do not yet have rates for Universal

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Advertiser Disclosure

Loan Rates - April 21, 2024

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 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Tomo Mortgage, LLC.
NMLS ID: 2059741
6.994% 6.875% 0.63 $3,901 $2,103 Learn More
FHAloans.com
NMLS ID: Not a Lender
Learn More
MortgageResearch.com
NMLS ID: Not a Lender
Learn More
Neighbors Bank
NMLS ID: 491986
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

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

Branches

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:
Ashburn,Virginia


Universal Locations



Climate Policy and Initiatives

UNIVERSAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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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
0.14% 6.97

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 December 31, 2023, Universal had $17,097 in non-current loans and $0 in owned assets. To cover these potential losses it had $12,122,003 in net worth and $94,702 in loans loss reserves. That gives it a Texas Ratio of 0.14%.

Net Worth
Universal U.S. Average
13.4% 13.62%

Universal FCU has a net worth of 13.4% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Universal

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