University Credit Union

Headquarters

13241 Sw 136th St
Miami, FL 33186
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.02% →
1-Year CD 0.30% 2.15% →
2-Year CD 0.35% 2.81% →
5-Year CD 0.50% 3.05% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

University is an NCUA insured institution located in Miami, FL. It was founded in 1947 and has approximately $259.43 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 / State-Chartered
Charter Number # # 67348
Date Established 1947
Assets $259.43 million
Loans $96.92 million
Deposits $236.33 million
Capital $21.40 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 - May 16, 2022

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.30% $10,000 $14,999 Learn More
12 Mo CD
0.30% $100,000 $199,999 Learn More
24 Mo CD
0.35% $10,000 $14,999 Learn More
24 Mo CD
0.35% $100,000 $199,999 Learn More
36 Mo CD
0.40% $10,000 $14,999 Learn More
36 Mo CD
0.40% $100,000 $199,999 Learn More
60 Mo CD
0.50% $10,000 $14,999 Learn More
60 Mo CD
0.50% $100,000 $199,999 Learn More

Loan Rates - May 16, 2022

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
CHASE
NMLS ID: 399798
5.444% 5.375% 0.75 $1,928 $1,400 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
3.490 %
After Intro: 4.500 %
Intro Period: 12 months
$25,000 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:
Fairfield,Connecticut


University Locations



Climate Initiatives

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

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
2.45% 4.85

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, 2021, University had $505,458 in non-current loans and $35,722 in owned assets. To cover these potential losses it had $21,403,364 in net worth and $667,061 in loans loss reserves. That gives it a Texas Ratio of 2.45%.

Net Worth
University U.S. Average
8.24% 12.36%

University FCU has a net worth of 8.24% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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