What are the current interest rates at 1st University Credit Union?

Current rates for 1st University Credit Union include: 12-Month CD: 2.25%, 18-Month CD: 2.02%, 24-Month CD: 2.02%, 60-Month CD: 2.02%, Savings: 0.04%, MMA: 0.50%

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1st University Credit Union

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1st University Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

1st University Credit Union's top rates as of October 10, 2026 are 2.25% APY on its CD of Deposit - 12 Month, 0.04% APY on savings, 0.50% APY on money market accounts, 5.75% on its 7/1 Adjustable-Rate Mortgage, personal loans from 9.25% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other 1st University Credit Union CD rates include CD of Deposit - 6 Month at 2.25%, CD of Deposit - 18 Month at 2.02%, and CD of Deposit - 24 Month at 2.02%. 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 2.41%. Rates last updated and verified on 10/10/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.41%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

1st University Credit Union
1st University Credit Union

24 La Salle Ave unit C
Waco, TX 76706

https://www.culink.net

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

1st University Credit Union CD Rates

Product	Rate	APY	Term
Certificate of Deposit - 12 Month	-	2.25%	12 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Certificate of Deposit - 6 Month	-	2.25%	6 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Certificate of Deposit - 18 Month	-	2.018%	18 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Certificate of Deposit - 24 Month	-	2.018%	24 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Certificate of Deposit - 36 Month	-	2.018%	36 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Certificate of Deposit - 48 Month	-	2.018%	48 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Certificate of Deposit - 60 Month	-	2.018%	60 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%

1st University Credit Union Savings Rates

Product	Rate	APY
Savings Accounts	-	0.035%
Min Balance $10,000,000 Details Balance: $9,999,999.99+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Savings Accounts	-	0.025%
Min Balance $10,000 Details Balance: $10,000 - $9,999,999.98 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Savings Accounts	-	0.005%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Savings Accounts	-	0.001%
Min Balance $100 Details Balance: $100 - $4,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%

1st University Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	-	0.50%
Min Balance $40,000 Details Balance: $40,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Money Market Account	-	0.10%
Min Balance $5,000 Details Balance: $5,000 - $39,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Money Market Account	-	0.001%
Min Balance $1,500 Details Balance: $1,500 - $4,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%

1st University Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
7/1 Adjustable-Rate Mortgage	5.75%	-	6.055%	30-year
Details As Low As; Based on a purchase-money loan at 80% loan-to-value and excellent credit. Rates, terms, and conditions are subject to change and credit approval. Mortgage Advantage eligibility and lender-credit requirements apply. Offer available to members who close an eligible mortgage with 1st University Credit Union on or after January 1, 2025. If you refinance that same mortgage with 1st University Credit Union within three years of the original closing date, you may qualify for a $1,500 lender credit toward eligible closing costs. The offer applies to both rate-and-term and cash-out refinances. Limit one lender credit per eligible mortgage. The credit has no cash value, cannot exceed eligible closing costs, and will be applied at the refinance closing. This limited-time offer is subject to eligibility requirements, credit approval, and other terms and conditions. 1st University Credit Union may modify or discontinue the offer at any time without prior notice. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.06% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%

1st University Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.90%	48 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
New Auto	-	-	4.90%	60 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Used Auto Models up to 5 Years Old	-	-	4.90%	36 months
Details $14,999.99; As Low As Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 4.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Used Auto Models up to 5 Years Old	-	-	4.90%	60 months
Details $14,999.99; As Low As Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 4.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
New Auto	-	-	5.00%	72 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Used Auto Models up to 5 Years Old	-	-	5.00%	72 months
Details $15,000.00; As Low As Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
New Auto	-	-	5.85%	84 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.85% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Used Auto Models older than 5 years	-	-	6.50%	48 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%

1st University Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles Loan	-	9.25%	48 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Motorcycles Loan	-	9.75%	60 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%

1st University Credit Union Credit Card Rates

Product	Rate	APR
Low Rate Platinum Mastercard	-	8.90%
Details Published APR range: 8.90% to 18.00%. Introductory Rate on Purchases for 6 Months; Standard Fixed Rates: 8.90% to 18.00%; $0 Annual Fee; $0 Balance Transfer Fee Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 18.00% → 8.90% ▼ 9.10 pts · high 18.00% / low 8.90% Oct 1, 20268.90%▼ from 18.00% Sep 22, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Secured Mastercard	-	11.90%
Details Published APR range: 11.90% to 18.00%. $0 Annual Fee; $0 Balance Transfer Fee Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 11.90% → 11.90% ▼ 0.00 pts · high 18.00% / low 11.90% Oct 1, 202611.90%▼ from 18.00% Sep 22, 202618.00%▲ from 11.90% Sep 14, 202611.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%

1st University Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Personal Loan	9.25%	1-24 months
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Unsecured Personal Loan	10.25%	25-36 months
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 10.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Unsecured Personal Loan	10.25%	37-60 months
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 10.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

1st University Credit Union’s Texas Ratio rose from 0.28% in Q3 2023 to 2.41% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$18M	2.41%	5.0	A+
March 31, 2026	$18M	10.64%	5.0	A
December 31, 2025	$18M	16.84%	4.9	A-
September 30, 2025	$18M	7.38%	5.0	A
June 30, 2025	$18M	10.37%	5.0	A
March 31, 2025	$17M	1.80%	5.0	A+
December 31, 2024	$18M	15.77%	4.9	A-
September 30, 2024	$17M	2.53%	5.0	A+
June 30, 2024	$18M	21.07%	4.5	B
March 31, 2024	$18M	20.90%	4.5	B
December 31, 2023	$20M	0.75%	5.0	A+
September 30, 2023	$17M	0.28%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 9

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.41%

Return on Assets (ROA)

0.0773%

Return on Equity (ROE)

0.7709%

Non-Performing Loans Ratio (NPL)

0.41%

Total Assets

18,464,743

Total Amount of Shares and Deposits

16,007,952

Total Shares and Deposits < 1 Year

15,913,742

Total Shares and Deposits 1 3 Years

94,209

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

280,391

Total Uninsured Shares and Deposits > $250K (F+J)

280,391

Total Insured Shares and Deposits > $250K (item 17 less item K)

15,727,561

Total Interest Expense (Sum of items 6 8)

66,523

Share Certificates

Number of Accounts for Share Drafts

747

Number of Accounts for Regular Shares

1,882

All other shares

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

14,267

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,712,819

Total Liabilities

16,614,050

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

1st University Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About 1st University Credit Union

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.