UNIVERSITY

13241 SW 136TH ST
Miami, FL 33186

Notable Rates APY Vs.Others
Savings 0.15% 2.25% →
1-Year CD 0.90% 2.25% →
2-Year CD 1.11% 2.50% →
5-Year CD 1.98% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

University is an NCUA insured institution located in Miami, FL. It was founded in 1947 and has approximately $208.16 millions in assets.

Who can join?

Membership in the Credit Union is open to those who are employees, adjunct faculty, volunteer faculty, students and alumni of the University of Miami (UM), Florida International University (FIU), St. Thomas University (STU), and employees of any institution of higher learning in Miami-Dade and Monroe Counties, any employees whose employer provides services, such as food services, bookstore management, custodial services, and
computing services have been, or could be, provided by employees of the institutions, where offices are located on, or operated from, any UM or FIU or STU campus and associations of such employees, faculty, students and alumni and employees of the Credit Union and members of their immediate families.

Membership in the Credit Union shall also include the following:
• Employees of Turners and Associates, a CPA firm, whose work location is 19 W. Flagler St., Miami, FL
• Employees of Biscayne Building, Inc, whose work location is 19 W Flagler Street, Miami FL, 33130
• Lawyers who are members of The Florida Bar in good standing, practicing (including those employed by Governmental Department); non-practicing or residing in Miami-Dade, Broward, Palm Beach or Monroe County, Florida
• The employees of such lawyers; Lawyers who are members of The Florida Bar in good standing and employees of the law firms which maintain their principal administrative and/or managing partners’ office in Miami-Dade, Broward, Palm Beach, or Monroe County as long as said Lawyer and employees reside or work in the state of Florida.
• Employees of the Florida Bar, Miami-Dade, Broward, Palm Beach or Monroe County Voluntary Bar Associations, and any other Bar association, so long as said employee is employed in Miami-Dade, Broward, Palm Beach or Monroe county, which primary function is to provide legal services.
• Employees of any group, organization, firm, corporation, or Governmental Agency, in Miami-Dade, Broward, Palm Beach, or Monroe County, whose primary function is to provide legal services.
• Professional Service Corporations organized to practice law, pursuant to the Professional Service Corporation Act of Florida with its principal place of business in Miami-Dade, Broward, Palm Beach or Monroe County and all notes for loans shall be cosigned by at
least one member of the Profession Service Corporation.
• Court reporters with their employees whose principal place of business is in Miami-Dade, Broward, Palm Beach or Monroe County.
• Judicial assistants working in Miami-Dade, Broward, Palm Beach or Monroe County.
• Employees of Legal Publications such as the Miami Review, Broward Review and Palm Beach Review as long as said employee lives or working in Miami-Dade, Broward, Palm Beach or Monroe County.

Also to include those persons who live or work in Miami-Dade County.
The spouses and members of the ‘immediate families’ of members who qualify above. Immediate families are defined to include parents and children of a member, and brothers and sisters and other dependents who live in the household of the member.

NCUA Insured Yes
Charter Number # # 67348
Date Established 1947
Assets $208.16 million
Loans $72.62 million
Deposits $185.53 million
Capital $19.88 million
 

Field of Membership Restrictions

Membership is open to those who live or work in Miami-Dade County. Membership is also open to employees, faculty, students and alumni of University of Miami, St. Thomas University, Florida International University, to those who work in the legal field in in Miami-Dade, Broward, Palm Beach or Monroe Counties.

Deposit Rates - December 12, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.20% $2,000 $39,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
0.90% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.45% $500 - Learn MoreShow Less
6 Mo CD
0.60% $500 - Learn MoreShow Less
12 Mo CD
0.90% $500 - Learn MoreShow Less
24 Mo CD
1.11% $500 - Learn MoreShow Less
36 Mo CD
1.36% $500 - Learn MoreShow Less
60 Mo CD
1.98% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.50% $500 - Learn MoreShow Less

Loan Rates - December 12, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for UNIVERSITY

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.625% 3.625% -0.13 ($252) $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

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
Atlantic Union Bank
Atlantic Union Bank
4.750 %
$15,000 Learn More
More Info

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



Branches

Below are University 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


University Locations


Financial Details

University Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of University. 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
University U.S. Average
1.66% 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, University had $334,106 in non-current loans and $4,065 in owned assets. To cover these potential losses it had $19,875,748 in net worth and $449,993 in loans loss reserves. That gives it a Texas Ratio of 1.66%.

Net Worth
University U.S. Average
9.54% 13.65%

University FCU has a net worth of 9.54% 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 University

Branches and Savings

What is University?

A federal credit union, registered with the NCUA under certificate #67348.
Learn more about credit unions here.

Is University 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 University?

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

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

University'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 University?

University has total capital of $19.88 million. Full information on University's financial position is located above.

Who owns University?

Credit Unions are owned by their members.

Where are University branches located?

See branch locations nearby.

Are University ATMs Open 24/7?

Do University ATMs accept cash deposits?

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

Does University have a mobile app?

Does University have mobile deposit?

Does University have quick pay?

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

Does University report to credit bureaus?

Does University use Chexsystems?

Does University use Equifax?

What is University's toll free phone number?

What is University's ACH Routing Number?

What is University's SWIFT code?

Where can I find University's wire transfer form?

What is the University address for deposits?

What Products Does University Offer

Does University offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does University offer auto and RV loans?

Compare auto loan rates here.

Does University offer student loans or personal loans?

Compare personal loan rates here.

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