Universal Coop


Po Box 937
Rio Grande, PR 00745
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Universal Coop is an NCUA insured institution located in Rio Grande, PR. It was founded in 1957 and has approximately $28.17 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 11477
Date Established 1957
Assets $28.17 million
Loans $10.18 million
Deposits $25.12 million
Capital $2.85 million

Deposit Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

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Loan Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for UNIVERSAL COOP

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

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2.790% 2.750% 0.50 $1,290 $1,021 Learn More
Morty, Inc.
NMLS ID: 1429243
2.706% 2.625% 0.63 $2,668 $1,005 Learn More
NMLS ID: 2890
License#: 13256
2.775% 2.750% 0.38 $808 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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

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Universal Coop Locations

Financial Details

Universal Coop Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Universal Coop. 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 Coop U.S. Average
11.26% 5.40

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, 2020, Universal Coop had $289,143 in non-current loans and $58,749 in owned assets. To cover these potential losses it had $2,847,018 in net worth and $241,530 in loans loss reserves. That gives it a Texas Ratio of 11.26%.

Net Worth
Universal Coop U.S. Average
10.1% 12.67%

Universal Coop FCU has a net worth of 10.1% versus the BestCashCow average of 12.67. 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 Coop

Branches and Savings

What is Universal Coop?

A federal credit union, registered with the NCUA under certificate #11477.
Learn more about credit unions here.

Is Universal Coop FDIC insured?

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

Who can join Universal Coop?

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

What are Universal Coop's share account and share certificate rates?

Universal Coop'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 Coop?

Universal Coop has total capital of $2.85 million. Full information on Universal Coop's financial position is located above.

Who owns Universal Coop?

Credit Unions are owned by their members.

Where are Universal Coop branches located?

See branch locations nearby.

Are Universal Coop ATMs Open 24/7?

Do Universal Coop ATMs accept cash deposits?

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

Does Universal Coop have a mobile app?

Does Universal Coop have mobile deposit?

Does Universal Coop have quick pay?

How can Universal Coop transfer money to other banks or credit unions?

Does Universal Coop report to credit bureaus?

Does Universal Coop use Chexsystems?

Does Universal Coop use Equifax?

What is Universal Coop's toll free phone number?

What is Universal Coop's ACH Routing Number?

What is Universal Coop's SWIFT code?

Where can I find Universal Coop's wire transfer form?

What is the Universal Coop address for deposits?

What Products Does Universal Coop Offer

Does Universal Coop offer mortgages?

Compare mortgage rates here.

Does Universal Coop offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Universal Coop offer auto and RV loans?

Compare auto loan rates here.

Does Universal Coop offer student loans or personal loans?

Compare personal loan rates here.

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