--- title: "1st University Credit Union Rates: CDs to 2.27%, Mortgage 6.05%" description: "1st University Credit Union rates today: 7 1 arm mortgage 6.05% APR, savings & CDs up to 2.27% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join 1st University Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/1st-university" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # 1st University Credit Union Rates: CDs to 2.27%, Mortgage 6.05% ### Mortgage rates 3 offers | Product | Published | Rate | Term / condition | Status | | **7/1 ARM** 7 1 arm | 6.055% APR | 5.750% | — | Standard | | **Renter vs Homeowner Comparison Chart** other | — APR | 5.000% | — | Standard | | **Rent provides no return. All payments go to a landlord, not toward ownership.** other | — APR | 5.000% | — | Standard | 1st University Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 7 offers | Product | Published | Rate | Term / condition | Status | | **0.50% below the rate you qualify for (New Auto)** auto_new_48mo | — APR | 4.900% | 48 mo · new | Standard | | **0.50% below the rate you qualify for (Used Auto Models up to 5 Years Old; $15,000.00 or More)** auto_used_36mo | — APR | 4.900% | 36 mo · used | Standard | | **Auto Loan** auto | — APR | 4.900% | — | Standard | | **0.50% below the rate you qualify for (Used Auto Models up to 5 Years Old; $14,999.99 or Less)** auto_used_36mo | — APR | 4.900% | 36 mo · used | Standard | | **0.50% below the rate you qualify for (Used Auto Models older than 5 years)** auto_used_48mo | — APR | 6.500% | 48 mo · used | Standard | | **48-Month Motorcycle Loan** motorcycle_any_48mo | — APR | 9.250% | 48 mo | Standard | | **60-Month Motorcycle Loan** motorcycle_any_60mo | — APR | 9.750% | 60 mo | Standard | 1st University Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Personal Loan Rates (1-24 months)** personal_unsecured_24mo | — APR | 9.250% | 24 mo | Standard | | **Personal Loan Rates (25-36 months)** personal_unsecured_36mo | — APR | 10.250% | 36 mo | Standard | | **Personal Loan Rates (37-60 months)** personal_unsecured_60mo | — APR | 10.250% | 60 mo | Standard | 1st University Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 14 offers | Product | Published | Rate | Term / condition | Status | | **Savings** savings | — APY | 0.03% | — | Context only | | **Money Market** money_market | — APY | 0.10% | — | Context only | | **24-Month Certificate** cd_24mo | — APY | 2.00% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 2.00% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 2.00% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 2.00% | 60 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 2.02% | 36 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 2.02% | 60 mo | Standard | | **Certificate of Deposit ($1,000)** cd_18mo | — APY | 2.02% | 18 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 2.02% | 48 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 2.02% | 24 mo | Standard | | **Certificate of Deposit ($1,000)** cd_6mo | — APY | 2.25% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 2.25% | 12 mo | Standard | | **6-Month Certificate** cd_6mo | 2.27% APY | 2.25% | 6 mo | Standard | 1st University Credit Union savings & cd rates as of November 12, 2026 ### Other rates 6 offers | Product | Published | Rate | Term / condition | Status | | **0.50% Below The Rate You Qualify For (48 Months)** other | — % | 4.900% | — | Standard | | **0.50% Below The Rate You Qualify For (--)** other | — % | 4.900% | — | Standard | | **0.50% Below The Rate You Qualify For (36 Months)** other | — % | 4.900% | — | Standard | | **0.50% Below The Rate You Qualify For (60 Months)** other | — % | 4.900% | — | Standard | | **0.50% Below The Rate You Qualify For (72 Months¹)** other | — % | 5.000% | — | Standard | | **0.50% Below The Rate You Qualify For (84 Months¹)** other | — % | 5.850% | — | Standard | 1st University Credit Union other rates as of November 12, 2026 As of November 12, 2026, 1st University Credit Union offers a 7 1 arm mortgage at 6.055% APR. Savings and certificate yields up to 2.27% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/1st-university) , verified from [1st University Credit Union's official website](https://www.culink.net/) Loading branch locator… ## About 1st University Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.9K Assets $17.8M Founded 1956 Locations reported 3 NCUA charter 67483 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Educators** ROBINSON · ROBINSON · TX · 76706 About 3.0 miles away](https://rateapi.dev/credit-unions/texas/educators) [**Linkage** LINKAGE CREDIT UNION · WACO · TX · 76711 About 5.8 miles away](https://rateapi.dev/credit-unions/texas/linkage) [**Genco** Lorena · Lorena · TX · 76655 About 6.9 miles away](https://rateapi.dev/credit-unions/texas/genco) [**Heart O' Texas** Main Office · Waco · TX · 76712 About 7.2 miles away](https://rateapi.dev/credit-unions/texas/heart-o-texas) [**Mclennan County Employees** Corporate Office · Waco · TX · 76701-1364 About 7.6 miles away](https://rateapi.dev/credit-unions/texas/mclennan-county-employees) [**First Central** Sanger Office · Waco · TX · 76710 About 7.9 miles away](https://rateapi.dev/credit-unions/texas/first-central) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join 1st University Credit Union Membership eligibility from 1st University Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Community charter: live/work in McLennan, Erath, Bosque - Location McLennan, Erath, Bosque Verified from [1st University Credit Union's membership page](https://www.culink.net/) . Final membership determination is always made by the credit union. ## Work at 1st University Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where 1st University Credit Union ranks against Texas peers. - See which AI assistants fetched 1st University Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=1st-university&state=texas&code=TX&name=1st%20University%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does 1st University Credit Union offer? 1st University Credit Union currently offers mortgage, vehicle loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are 1st University Credit Union rates updated? RateAPI verifies 1st University Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get 1st University Credit Union's rate data? Rate data is collected directly from 1st University Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is 1st University Credit Union's mortgage rate? As of November 12, 2026, 1st University Credit Union offers a 7 1 arm mortgage at 6.055% APR. ### What is 1st University Credit Union's best CD rate? As of November 12, 2026, 1st University Credit Union offers savings and certificate (CD) yields up to 2.27% APY. ### Who can join 1st University Credit Union? Community charter: live/work in McLennan, Erath, Bosque ## Related Rate Data Compare 1st University Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas mortgage rate leaders](https://rateapi.dev/mortgage-rates/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.culink.net/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track 1st University Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for 1st University Credit Union curl "https://api.rateapi.dev/credit-unions/texas /1st-university " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## 1st University Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/1st-university Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp