|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 1st University Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 25, 2026
1st University Credit Union's savings rates are at 0.00%. 1st University Credit Union's Personal Loan Rates are at 9.25%. MonitorBankRates evaluates the financial stability of 1st University Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.48%. Rates were last updated on 03/25/2026. 1st University Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 1st University Credit Union? Share your experience about 1st University Credit Union by leaving a review below, or read customer reviews before you decide to use 1st University Credit Union. 1st University Credit Union
1st University Credit Union 24 La Salle Ave unit C
https://www.culink.net Waco, TX 76706 
1st University Credit Union Savings Rates
1st University Credit Union Credit Card Rates
1st University Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for 1st University Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather 1st University Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with 1st University Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
1st University Credit Union
Website
https://www.culink.net
Address
24 La Salle Ave unit C,
Waco, TX 76706
Phone
254-752-2797
Fax
254-752-0552
President
Randy Wood
CEO
Kevin Hood
Full-Time Employees
8
Part-Time Employees
1
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.48%
Return on Assets (ROA)
0.0892%
Return on Equity (ROE)
0.8604%
Non-Performing Loans Ratio (NPL)
1.08%
Total Assets
17,687,912
Total Amount of Shares and Deposits
15,862,230
Total Shares and Deposits < 1 Year
15,715,439
Total Shares and Deposits 1 3 Years
146,790
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
721,387
Total Uninsured Shares and Deposits > $250K (F+J)
721,387
Total Insured Shares and Deposits > $250K (item 17 less item K)
15,140,843
Total Interest Expense (Sum of items 6 8)
90,531
Share Certificates
37
Number of Accounts for Share Drafts
744
Number of Accounts for Regular Shares
1,893
All other shares
79
Money Market Shares
11
Net Income (unless the amount is already included in Undivided Earnings)
15,773
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,575,724
Total Liabilities
15,854,651
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About 1st University Credit UnionIs 1st University Credit Union a safe place to deposit money?Yes, 1st University Credit Union is considered a safe financial institution. With a Texas Ratio of 7.4773859259538%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does 1st University Credit Union operate?1st University Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join 1st University Credit Union?Yes, to access services at 1st University Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, 1st University Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, 1st University Credit Union provides members with tools to manage their accounts and build a solid financial history. Does 1st University Credit Union offer online and mobile banking?Most modern institutions like 1st University Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.culink.net. Current 1st University Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Tyndall Federal Credit Union
Marine Federal Credit Union
Kings Federal Credit Union
Silver State Schools Credit Union
Telco Roswell Federal Credit Union
Landmark Credit Union
WHITE PLAINS P O EMPLOYEES
LONG BEACH CITY EMPLOYEES
MINOT AREA SCHOOLS
HAWAIIAN ELECTRIC EMPLOYEES
Essex County Teachers Federal Credit Union
Department of The Interior Federal Credit Union
Kelly Community Federal Credit Union
Blue Flame Credit Union Mobile, AL
Kerr County Federal Credit Union
JPFCE Federal Credit Union
Northern Credit Union
Sidney Federal Credit Union
Canals And Trails Credit Union
District One Highway Credit Union
167th TFR Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
