University Federal Credit Union

I started going out of my way to utilize this branch about a year ago. My beloved and local Guadalupe location really went out of their way to annoy me and in turn, I came here and spoke to a MSR and not only did he hear me out and agree with me 100% but also insisted that I take his card for any future issues at any other branches. That really made me feel like I was appreciated, given that I’ve been a member for 9 years and have used many of their products. The drive thru lanes are never crazy long and move really fast. Why doesn’t Guadalupe instill whatever systems these guys use? Businesses, when are you going to realize that your customers power your businesses? Don’t insult them, don’t make them feel like lesser humans.

DO NOT BANK WITH THIS COMPANY. Do not trust them with your money. I switched from BBVA Compass to UFCU and I regret it. They’re amateur when it comes to managing people’s money. They put a hold on my check for almost a week, then they deposited it in my account, THEN took it out saying it was «fraudulent». They’ll take money out of your account without any notification. I’m so fed up with them. I wish I saw these reviews before I decided to switch. Beware before you decide to bank with them. I will never use this bank again.

Do not sign up for automated bill pay!!!
I set up automated check-​sending to pay rent, and it was fine for a while but this month the check never made it to my landlord. Their response to this problem was to charge me $ 30 bucks to cancel the check. How convenient.

Wow, I was fairly happy with them for a while. Have a checking account, savings account, car loan and personal loan. I do all my banking online. Then when I got ~20 days late on my car loan, UFCU suspended my ability to manage my accounts online. I cannot log into my online bank account until I pay my car loan. This is absolute BS.

Such great service from Brandon. I have always love banking with ufcu, but working with Brandon is what keeps me coming back. Beyond helpful he is also a genuine person and there to help you out however he can. After working with him, I will only work with him. Thank you Brandon for being amazing!

had the worst phone call experience and all I wanted was to make sure my payment was on time and it was but had to talk to 3 people. One being a supervisor. Will make sure I do not talk to the same guy again. Will put a note by my screen so I remember to hang up if I get this so called CS person again.

Great service. As far as banks go, anyways, I am a fan. I became a member to purchase my car. It was the first car I purchased myself, and I loved the service I received from the loan officer. She helped me purchase, and get a good deal for my car.
Any issue I can easily solve via a phone call. My branch is usually very busy, so handling on the phone is sometimes a much quicker way to handle; although, I recently lost my card and went in to a long line. The person taking your name at the greeting desk (not sure what to call it) hooked me up without waiting for someone with an office. which has been my case in the past. Yeah, I lose my card occasionally. Don’t judge me! Ok do! Jk.

I am switching out of this awful banking service within the next week. Even when I go in to a teller to deposit my checks, so that they supposedly supposed to be here «immediately,» they still manage to put some sort of hold on it. I almost went a week last month without seeing my money come in. I called to see what the hold was for this time, EVEN THOUGH I deposited my check through a bank teller in person, and the person on the phone told me I needed to go back to the teller and ask him why he put a 3 day hold on my check. HORRIBLE SERVICE! 0 stars if I could!!!

Insurance Department – Totally Lame Service
We have home and auto insurance through them and have consistently (for years) had a hard time getting a hold of someone in the insurance dept when we need them. They don’t always return phone calls.
Mortgage Department – Disappointing
They rejected our mortgage application, but we went on to get funding through a private mortgage company. I make plenty of money and have done, consistently, for years. But my income profile (self-​employed, several income streams) didn’t fit with UFCU’s formula. Disappointing because a credit union is supposed to work for its members, give them the benefit of the doubt, work with them one-​on-​one. At least that’s what the pro-​credit union propaganda led me to think.
Difficulty Handling Out-​of-​the-​Ordinary Requests
I bought car last year out of state and got my loan through UFCU. Buying a car out of state is a huge hassle; I don’t recommend it. I wish I could say UFCU supported us beautifully through this process, but they did not. The process required lots of documents to go back and forth between the car dealership and UFCU and myself (getting signatures, payments, etc.) and at one point, for several days, the UFCU agent I was assigned to simply stopped returning my calls or doing any work on my documents! This made the car-​buying process take several more days than it would have otherwise. I think it took more than 10 days total.
What They Do Well, In My Experience
Checking and savings accounts.

The only reason there is one star is that a negative star is not a rating that Unilocal supports. Kathy Allen (Mortgage Officer) receives an F– for communication with her Client. The day before closing she indicates that they will miss the closing date. After almost 9 years in this business, I have yet to find a mortgage officer with less communication with their Client than Kathy Allen. Not closing on time can be explained by many factors much of the time, but needs to be communicated to the Client. It is as if she does not care about her Client or is paying any amount of attention to their mortgage process. That is just my opinion, I could be wrong. Just terrible.

These are nice people and they try but they are still amateurs. Someone needs to pay attention to the public. Their entire Austin ATM system seems to be shut down, all afternoon, but there is no mention of it on their website, and no way to call anyone to report it or find out where a working ATM is. Sad I had to pay one of their competitors $ 4 to get my own money. And waste 90 minutes on a beautiful day driving to their branches before figuring out it was the entire bank shut down.
Bankers may work short hours, but not their customers.

Great bank! That is, as long as you are residing in Austin and able to go in and talk about your situation with bankers. If you need to make any arrangements by e-​mail, or dare I say it, phone, you are best served elsewhere. Like the situation I am going through presently where I have moved to Dallas and MUST deal with the attrocious customer service that exists outside the friendly tellers and staff at the branches. The only conclusion I can draw from my horrible experiences with customer service and any and all representatives I deal with over the phone or via email is met with unfriendly, uncaring and above all incompetent responses from those I must deal with. Even reaching someone in Collections is near impossible as the wait times are bordering on ridiculous (45 minutes) plus it helps no one ever answers their direct line, even when they call and leave their extension. Either they must have very amateur staff/​management or do not pay well beyond the positions in the actual branches themselves, is just a couple educated guesses on my part. Either way I am taking my business to USAA including loan and other business and would advise others to stay away as these bad practices are ruining what used to be a very reputable financial organization.

As a credit union, UFCU is infinitely better than a bank by default. It’s free of the high pressure sales and corporate clones often found at banks. I’ve always encountered genuinely nice people and professional service at UFCU. The interest rates offered on loans are more competitive and business hours are more extensive than what’s typically available at banks. You’ve also got to love having access to hundreds of free local ATMs through the Austin Credit Union Alliance and shared credit union branches across the country through the National Shared Branch Network. Another great service is you can walk in to get a replacement debit card at the Steck branch. Additionally, you can take advantage of periodic free shred days to shred personal documents at the 45^th Street location. I have to take off one star for the typically slow service both at the drive-​thru and when visiting with an advisor inside. Other than that, I can’t say I have any complaints about UFCU. It has been a great ten years being a member!

So disappointed. I’m writing this as I wait in line forever to make a deposit at this bank because the ATM’s are out of order AGAIN. I can’t believe how often their ATM’s are out of order, out of receipts, or won’t accept deposits. It’s been happening lately about a couple times a week to me.
I’ve banked here for years and loved them. Unfortunately, for about a year now, I’ve run into glitch after glitch and bad customer service. I hate to say it but after today, I’m off to find a new bank.

Banking like you’ve never known it.
I’m one of those people who always believed that all banks were not to be trusted and who thought of them as faceless monsters with nefarious intentions. UFCU completely shattered that philosophy and showed me how banking really should be.
Joseph Woodruff at the campus location is an incredibly helpful, straightforward and personable banker, he gets back to you promptly and offers every piece of knowledge he has about auto loans, home buying or just basic financial advice. When my credit was upgraded from OK to excellent, a UFCU banker called to notify me of the upgrade and to congratulate me on my success. When I wanted to buy a home, they were right there with honest information, free seminars and personal advice about my capabilities.
UFCU is professional, friendly and honest banking for hard working people and they work hard to earn your trust. They know how to treat their members right, if you make the change I promise you will never regret it. Get out of Chase now while you can!

Thinking about buying a house? Start your process here. Call UFCU and speak with David Medrano. David hit a home run on my loan and the process was smooth and easy. Buying a house can be uncomfortable, scary, and overwhelming. David takes the pain out of the process and makes everything simple, and easy.
5 stars all around!!! Rates, Fees, Information, Electronic signing, Communication, you name it!
This was my third purchase and of the three… He nailed it!!!

I love going to UFCU. I especially love going here to withdraw cash.
My Mom opened an account in my social security number way back in the early 80s so I have been a «member» since the ancient times.
This location is nice because the line (inside) goes fast and I actually get to see someone face-​to-​face unlike the 45^th Street location which has the tellers in a separate room so I only interact with them over the monitor.
So in conclusion … you should drop the big national bank and their hidden fees and switch to UFCU or any other credit union… just say’n.

I’ve banked with dozens of banks and several credit unions over the years. I’m a USAA member as well. I do my primary banking through UFCU for a reason.
Need a loan? A quick phone call and 15 minutes later I’m approved. Online banking does everything my partner and I need and then some. The few times I’ve needed to call, I’ve never waited on hold more than two or three minutes and the person who answered was always able to resolve my problem on the first try.
I read a lot of reviews, and it seems to me that there’s lots of extenuating circumstances (being told that paying for an appraisal would probably get the loan approved is not a guarantee, non-​standard employment will cause trouble with ANY bank, etc etc) in the low reviews.
I can only tell you my experience — I’ve had great responsiveness, and the few problems that occurred were usually my fault. They’ve reversed overdraft fees just because I asked, issued me a line of credit at the drop of a hat, and more.
My only complaint would be that there’s not a branch closer to my office, and that BMW Financial beat UFCU’s interest rate by several points (2.9 vs 6.9) on my car loan.

I’ve been banking here since my senior year of college. I’ve never had an issue at all with these people. Customer service is phenomenal.
Honestly, if you’re eligible for membership, there’s no reason not to use UFCU for your bank.

Very disappointing
I have been with UFCU for over 20+ years. My debit card for some reason stopped working in early November. I called them right away and requested a new card. It is mid-​December and I still have not received a replacement debit card.
I don’t live in Austin anymore and so it is not convenient for me to drive to one of their offices. Every time I call, the bone-​heads that manage their debit/​credit cards always suggest maybe I should drive 2 hours to Austin. I have called 3 times and I still don’t have a card.
Next time I am in Austin, I will shutdown my account and empty my safety deposit box and transfer to a real bank.
It is so disappointing that UFCU treats a 20+ year customer this way. That’s the way you lose business.