Universal Credit Union

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A short history of Universal CU

Since its inception in 1935 the Universal Credit Union has been serving its members in the Independence, Kansas area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Laura Keller, the Universal CU has grown its membership to over 286 with assets of more than $789,227. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (620) 331-6320 or email them at universalcu@sbcglobal.net to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Independence, KS.

General Information For Universal CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 64979
Address 117 S 8th St 
City Independence 
State Kansas 
Zip-Code 67301
Phone Number (620) 331-6320
Fax Number (620) 331-6320
Email Address: universalcu@sbcglobal.net
CEO/President Laura Keller
Members 286 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 789,227 

Compare Universal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Co-operative CU Co-Operative 313 W 9th St 67337 (620) 251-5290 No 17.65
Peoples Choice CU Peoples Choice Credit Union 402 W 12th St 67337 (620) 251-9280 No 17.77

Universal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Universal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A N/A 7.75 N/A N/A
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A N/A 609 N/A N/A
Rank Among All Kansas Credit Unions N/A N/A 51 N/A N/A

Universal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.35 N/A 0.40 N/A
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 81 N/A 284 N/A
Rank Among All Kansas Credit Unions N/A 10 N/A 35 N/A
Universal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 11.0002927,392
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 8.00023,646
New Vehicle Loans 0.00000
Used Vehicle Loans 7.75069433,214
Total 1st Mortgage Real Estate Loans/Lines of Credit 0.00000
Total Other Real Estate Loans/Lines of Credit 0.00000
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.00032,528

Universal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 0000
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Universal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans No
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit No
ATM/Debit Card Program No
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders No
No Surcharge ATMs No
Home Banking Via Internet Website No