A Member-Owned, Not-for-Profit
Cooperative
At UFCU, we are passionate about changing lives and strengthening communities. We offer a variety of products, services, and education programs to empower Members in achieving financial health. We credit our beliefs in fair and honest products and outstanding Member service in making us Austin’s largest locally owned financial institution, also serving Galveston County.
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Why Choose a Credit Union?
The credit union motto is “Not for profit, not for charity, but for service,” and you’ll find it reflected every day at UFCU. Credit unions are unique in the financial world because we share the following special qualities:
- Owned and directed by their Members, not corporate stakeholders
- Regulated by federal and state law
- Backed by National Credit Union Administration (NCUA) fund insurance
- Led by Member-elected, volunteer boards of directors
A credit union is more than just a financial institution — it’s a partnership designed to offer you a safe place to save and borrow at reasonable rates. You have an equal vote in electing our leaders, and you benefit equally from the success of our business.
Credit unions have more than 100 years of history in the US, and in 2019 more than 5,300 federally insured credit unions nationwide served more than 117.3 million Members.
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Diverse, Inclusive, and Proud
UFCU is a proudly diverse, Member-owned cooperative that seeks to bring about human and social development in full accordance with International Credit Union Operating Principles. Our cooperative is non-discriminatory with respect to whom we serve on all grounds, including but not limited to race, color, religion, creed, gender, gender expression, age, national origin (ancestry), mental or physical disability, marital status, sexual orientation, military status, or political affiliation in any of our activities or operations.” Our vision of social justice extends both to individual Members and to the larger communities in which we live, work, and play. The credit union ideal is to extend service to all who need and can use it. Every person is either a Member or a potential Member and appropriately part of the credit union sphere of interest and concern. The UFCU vision, mission, and values support the broader communities within which the credit union and our Members reside. To that end, we do not favor legislation or other actions, internally or externally, that would result in discrimination against any Member, potential Member, or group based on one or more of the above characteristics.
UFCU is proud to be a part of the credit union movement, which advocates for social justice and financial inclusion. The Credit Union National Association (CUNA) expects every credit union to live out their mission of people helping people, which is rooted in compassion for all people. We stand with CUNA against racism and discrimination.
We vow to take a more active role in our community and be a catalyst for change by committing to the following:
- Recognizing historic, systemic, and institutional racism and discrimination;
- Standing against racism and discrimination;
- Prioritizing a workplace of diversity, equity, and inclusion where employees feel valued, safe, included, respected, and justly treated; and
- Being unwavering in our commitment to deepen and support people of color and historically marginalized communities by promoting financial inclusion, equity, and economic opportunity.
Our work continues, and we are emboldened by our Members and our community. We know we can’t accomplish our mission without relationships built on trust, transparency, and action, and we are proud that our commitment to social justice aligns with our commitment to building a financially healthy community. We look forward to sharing our progress with you.
Our Objective Is Your Success
At UFCU, we’re dedicated to the well-being of our Members, and committed to providing opportunities for all to grow and learn. Because education is key to the health of our communities, we work to provide ongoing seminars and events that are designed to help you at every stage of your financial journey.
We’ve identified four key pillars of financial health that can help guide your learning.
- Spend: Do you know how you’re spending your money or where your money is going? Seminars and events in this category help you get a handle on your budget.
- Save: Setting aside money for the unexpected can sometimes be a challenge. Seminars and events in this category provide strategies to help you build a cushion and plan ahead.
- Borrow: Debt is often seen as negative, but when managed correctly, it can positively impact your overall financial health. Seminars and events in this category help you maximize your credit score and manage your debt.
- Plan: Whether retirement is decades away or right around the corner, there are ways to be prepared. Seminars and events in this category help you get there.
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