--- title: "University Credit Union Rates (Nov 2026): Mortgage 6.50%" description: "University Credit Union rates today: 30 year fixed mortgage 6.50% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join University Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/university" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # University Credit Union Rates (Nov 2026): Mortgage 6.50% ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 6.499% APR | 6.000% | — | Standard | University Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Rates with U in Mind (Auto Loans)** auto_any_48mo | — APR | 4.490% | 48 mo | Standard | | **67 Plus Months** auto | — APR | 5.390% | — | Standard | University Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Personal Line-of-Credit** ploc_variable | — APR | 17.900% | — | Standard | University Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Simplify the Way You Shop (Great Rate VISA ®)** credit_card | — APR | 9.490% | — | Standard | | **Great Rate VISA ®** credit_card | 13.490% APR | 11.490% | — | Standard | | **Travel Rewards VISA ®** credit_card_rewards | — APR | 17.900% | — | Standard | | **Cash Back Credit Card** credit_card_cash_back | — APR | 17.900% | — | Standard | University Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 23 offers | Product | Published | Rate | Term / condition | Status | | **Plus (without bonus)** savings | 0.01% APY | 0.01% | — | Context only | | **Plus** savings | 0.01% APY | 0.01% | — | Context only | | **$100 And More** savings | 0.01% APY | 0.01% | — | Context only | | **$0 to $10,000 w/ Bonus Dividend *** savings | — APY | 0.06% | — | Context only | | **$10,000 To $49,999.99** savings | — APY | 0.15% | — | Context only | | **$1 And More** savings | 0.25% APY | 0.25% | — | Context only | | **$50,000 To $99,999.99** savings | — APY | 0.50% | — | Context only | | **Teen Checking** checking | — APY | 0.50% | — | Eligibility restricted | | **Teen** savings | 0.50% APY | 0.50% | — | Eligibility restricted | | **$100,000 To $499,999.99** savings | — APY | 0.99% | — | Context only | | **Plus (with bonus * )** savings | 2.25% APY | 2.23% | — | Context only | | **$500,000 To $999,999.99** savings | — APY | 2.47% | — | Context only | | **3-Month Certificate** cd_3mo | — APY | 3.20% | 3 mo | Standard | | **$1,000,000 and Greater** savings | — APY | 3.20% | — | Context only | | **12-Month Certificate** cd_12mo | — APY | 3.44% | 12 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 3.49% | 18 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.54% | 36 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.64% | 60 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.64% | 6 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.64% | 48 mo | Standard | | **24 Month Step-Up** cd_24mo | — APY | 3.88% | 24 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 4.03% | 24 mo | Standard | | **Rates with U in Mind (Certificates)** cd_24mo | — APY | 4.10% | 24 mo | Standard | University Credit Union savings & cd rates as of November 13, 2026 ### Other rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Effective Date: September 3, 2026 Fees could reduce earnings. (12 Month)** other | — % | 3.445% | — | Standard | | **Effective Date: September 3, 2026 Fees could reduce earnings. (36 Month)** other | — % | 3.542% | — | Standard | | **Effective Date: September 3, 2026 Fees could reduce earnings. (48 Month)** other | — % | 3.639% | — | Standard | | **Effective Date: September 3, 2026 Fees could reduce earnings. (6 Month)** other | — % | 3.639% | — | Standard | | **Effective Date: September 3, 2026 Fees could reduce earnings. (60 Month)** other | — % | 3.639% | — | Standard | | **Effective Date: September 3, 2026 Fees could reduce earnings. (24 Month Step-Up)** other | — % | 3.880% | — | Standard | | **Effective Date: September 3, 2026 Fees could reduce earnings. (24 Month)** other | — % | 4.025% | — | Standard | University Credit Union other rates as of November 13, 2026 As of November 13, 2026, University Credit Union offers a 30-year fixed mortgage at 6.499% APR. Credit card rates from 13.49% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/university) , verified from [University Credit Union's official website](https://www.ufcu.org/) Best product position **Better than the Texas median** 30-year fixed mortgage Gap to state best **108 bp** 108 bp from state best Vs. state median **38 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Texas markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.50% | Better than the Texas median | 108 bp from state best | 38 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim University Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=university&state=texas&code=TX&name=University%20Credit%20Union) Loading branch locator… ## About University Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 422.8K Assets $4.3B Founded 1936 Locations reported 30 NCUA charter 1367 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - 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. [**Austin Telco** Balcones Centre · Austin · TX · 78759 About 1.0 miles away](https://rateapi.dev/credit-unions/texas/austin-telco) [**Velocity** Quarry Lake Business Center 1 · Austin · TX · 78759-5290 About 1.1 miles away](https://rateapi.dev/credit-unions/texas/velocity) [**United Heritage** United Heritage Plaza · Austin · TX · 78759-2247 About 1.9 miles away](https://rateapi.dev/credit-unions/texas/united-heritage) [**Nizari Progressive** Austin · Austin · TX · 78759 About 2.0 miles away](https://rateapi.dev/credit-unions/texas/nizari-progressive) [**Greater Texas** GTFCU · AUSTIN · TX · 78727 About 2.5 miles away](https://rateapi.dev/credit-unions/texas/greater-texas) [**randolph-brooks** Domain · Austin · TX · 78758 About 2.5 miles away](https://rateapi.dev/credit-unions/texas/randolph-brooks) 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 University Credit Union Membership eligibility from University Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via employers (Ascension/Seton +17 more) - Employer Ascension/Seton, Austin Community College (ACC), Concordia University (CTX), Foundation Communities, Galveston College, Goodwill, Huston-Tillotson University (HT), Indeed, St. Edward's University (SEU), Southwestern University (SU), Temple College (TC), Texas State University (TXST), TX A&M at Galveston (TAMUG), TX A&M HSC, University of Texas at Austin (UT Austin), University of Texas Medical Branch (UTMB), UTHealth-Houston, YMCA Verified from [University Credit Union's membership page](https://ufcu.org/open-account) . Final membership determination is always made by the credit union. ## Work at 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 University Credit Union ranks against Texas peers. - See which AI assistants fetched 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=university&state=texas&code=TX&name=University%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does University Credit Union offer? University Credit Union currently offers mortgage, Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are University Credit Union rates updated? RateAPI verifies University Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get University Credit Union's rate data? Rate data is collected directly from 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 University Credit Union's mortgage rate? As of November 13, 2026, University Credit Union offers a 30-year fixed mortgage at 6.499% APR. ### Who can join University Credit Union? Membership via employers (Ascension/Seton +17 more) ## Related Rate Data Compare 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) [Credit card rates](https://rateapi.dev/credit-card-rates) [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.ufcu.org/) ### 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 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 University Credit Union curl "https://api.rateapi.dev/credit-unions/texas /university " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## University Credit Union locations Search, filter, and browse all 30 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/university Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp