University Federal Credit Union

This is he most impersonal and impractical of banks. You have to ‘walk-​in’ just so you can get ‘drive-​in’ service. You have to walk over to a little screen in a kiosk, send your deposit through the little air tunnel and then you can expect to wait an inordinate amount of time to get serviced. This is a lousy concept, a lousy bank, and a guaranteed lousy experience.

I’ve had a horrible, ongoing experience obtaining an auto loan through Vicki Kempton and Pamela Kindred. I purchased a vehicle at the end of July and haven’t received my license plates due to the fact that the title transfer paperwork was not sent in until a whole month after the purchase. The only reason this upsets me is due to the fact that Vicki sent me emails saying the DMV is 2 weeks behind… not because she didn’t send the paperwork in. Love the bank and all of their employees, but steer clear of Vicki and Pamela.

I love this branch, but it’s basically always understaffed. Average wait is 15 to 30 minutes!

I’m very happy with this bank and even more so with this branch. David set up accounts for both myself and my fiancé. He and the rest of the staff have rekindled my faith in banks. They may lack a little in technical amenities but they’ve absolutely made up for it in personal attention and good old fashioned customer service!

Very painful to work with. We have a small business which generates over a million dollars each year in revenue but every year renewing our line of credit takes months and sheafs of paper work. We can never get return calls, and they «don’t do» business loans anymore — -a sign of a bank on the brink of collapse? Taking our business checking to one only allowed 50 transactions per month (we have hundreds and hundreds) before nickel and diming us for a fee on every little thing was not only bad business, it was shocking. Think twice before doing business banking with UFCU.

Turn back now. I have been a happy customer for several years, but today was the test, and they failed it BIG TIME. I have just found out that my identity was stolen. How did I find out? PayPal transactions in and out of my account. I have been successful with shutting this down through PayPal, but UFCU told me there was NOTHING they could do for me until morning, when I can come in in person. If it had been through my card, they could shut that down, but if they have your routing number and account number – in other words, a check – then UFCU is going to hang you out to dry until you can go in person to the bank. So, this thief has the run of my account for the next 12 hours until they open at 8am. That’s a GREAT feeling, let me tell you. I hate to say it, but I’m going back to the bigger banks where they have real fraud protection.

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!

This is by far our favorite UFC location. I recently opened an additional account there, but due to traffic, we arrived at the branch only minutes before they closed. We were assisted by David Kies, who stayed with us 45 minutes past closing time to get my accounts set up, and he was totally pleasant and friendly the entire time. I will always go out of my way to use this branch!

I have been with UFCU for 15 years. I love the service I get. I have used the things I learned from Wheels 101, more than one. This location is my primary, and EVERYONE is always more than happy to help.

Love UFCU. so happy i switched there car loan rate was so low for me not having any credit. lowest i could find. and the workers really try to work with you to help you.

They notarized a form for me in less than 5 minutes. They didn’t even ask if I was a member. Chris was friendly, efficient, and the service was free!

Good service… never really a wait

They treat you like family. All the people in the bank and extremely supportive.
Easy and Fast loan turn around. Good interest rates.

I am very happy with UFCU, especially this branch.
I don’t often have to go into the lobby but when I have it’s always a pleasant visit.
They are very attentive and help in any way they can.

We use UFCU for everything. Basic checking and savings accounts for personal and business use, and they have also financed our house, business and cars, AND we have purchased homeowners’ insurance through them.
I always feel like UFCU is looking out for me. The rates are always the most competitive I find (for a comparable type of lender), and customer service is incredible. You dial their local number or stop in at a local branch, and there is a smiling, helpful human there to answer your question. I’ve gotten notary service without a wait. The insurance guy answers my questions without impatience or judgment.
The business lending department has seen some upheaval, and that has impacted customer service. But that doesn’t apply to most folks reading this review. For consumer services like banking and loans, nobody beats UFCU. It seems stupid to love your bank, but I really am a big fan.

I could not be more satisfied with UFCU. I’m spending a semester in Belgium and went to my hoity toity bank this morning to ask about fees for using my debit card abroad. I was told the fees would break down as follows: $ 5 every time I withdraw from an ATM plus any additional fees the ATM charges me. 3% of the purchase or $ 5, whichever amount is greater, for every transaction using the card in sales. My jaw just about hit the floor but the lady told me the ATM fee was the only one we could really do anything about and she could only ask and HOPE that her manager approved waiving the fees for the first 3 withdrawals. She also told me that the 3% fees were dictated by Visa and that no other bank or CU would be able to offer me anything better. Well I marched on over to UFCU and that withdrawal fee went from $ 5 to $ 1 and miraculously (even though the debit card is still chase) my transaction fees dropped to 1%…funny, didn’t that woman say no other institution would be able to offer me a better deal?
Anyways, it was an overall great experience. The building is bright, perfect temperature inside, the workers are chatty and friendly without being pushy and they actually act like real people! Could not be any happier, really.

LOVE UFCU! They are always so friendly, courteous, and helpful with any issue or problem we have had. They have the best rates in town also for loans and credit cards. They have an automated teller system inside each branch that makes deposits and withdrawals very easy. I have used several different locations and various services within UFCU and have had a fantastic experience with each department!
I will never go back to another bank.

I may be biased, because I came from Wells Fargo and moved everything over here. But, dang am I glad I did. I’m not getting hidden fees, I’m not getting my debits «re-​ordered for convenience» and the website is easy to use (which is really where I do all my banking anyway).
The only time I had to go to a branch? They refinanced my auto loan at half the previous interest rate. While there, they mentioned that I could apply for a line of credit from them, but instead of rushing me up to get one-​advised me to wait a couple months. Maybe I’m naïve to think they care about my best interests over their own short term gain, but that’s certainly the impression I got.
I would NEVER get this feeling from a big bank, and that’s why I’d never go back to one.

UFCU called me the other day (yes, THEY called ME) to ask if I’d charged $ 1500 on my credit card … in Japan. (No, I didn’t). Any other bank I’ve ever belonged to would have just allowed the charge to go through and let me dispute it later if I noticed it in time.
I think I’m in love.

I love UFCU. I will not lie. From my interest bearing checking account, to the (ridiculously) low interest unsecured line of credit they extended me, I have been very happy. They are quick to approve and slow to deny, and the staff is friendly, helpful, and genuinely interested in helping you.
The video tellers that people mention primarily happened because this location used to be the most robbed bank in Texas. The CU felt that if the thief couldn’t get to the tellers, there was nothing to steal. And while I understand this, I do dislike it a bit; it seems that the service is slower inside than it is in the drive-​through.
Of course, I don’t really care. I rarely ever visit the bank in person, and when I do, I am usually just making a deposit via the drive through window. And this is where UFCU shines — their website is fantastic. Quick and easy to use with REAL functionality. Coming from Compass, whose website is a barely legible check register and nothing more, this was a revelation. I can transfer between my accounts (and I have checking, savings, special savings, a line of credit, and a loan) repeatedly and easily with a few clicks. Send money (or receive it) from another UFCU account? Easy as clicking Transfer. To Another Account. I can withdraw from my savings account to a check ONLINE — I fill in the fields, and I’m mailed a check.
The interface also has automatic bill pay available, although I don’t use it. I pay my bills online, but I do not allow auto-​debits from my account. I do with there was slightly better mobile interface — ie, one at all — but I think they’re working on that. I can still check my account from my iPhone, it’s just not optimized for it.
In short, UFCU is what a bank should be. Yes, they’re a bank, and sometimes they say no when you want to hear yes. They still charge fees, but the fees are reasonable and rare. Their service is prompt, courteous, and friendly. And really, what more can you ask for?