Universal Federal Credit Union

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A short history of Universal FCU

Since its inception in 1935 the Universal Federal Credit Union has been serving its members in the Huntington, West Virginia 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 Chuck Robateau, the Universal FCU has grown its membership to over 8,423 with assets of more than $84,076,732. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (304) 697-2919 or email them at cusolutions@fiserv.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Huntington, WV.

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

Charter Number 785
Address 317 31st ST 
City Huntington 
State West Virginia 
Zip-Code 25702
Phone Number (304) 697-2919
Fax Number (304) 522-3177
Email Address: cusolutions@fiserv.com
CEO/President Chuck Robateau
Members 8,423 
Full-Time Employees 20 
Part-Time Employees
Number of Branch Offices
Total Assets 84,076,732 
Website http://www.universalfcu.com 

Compare Universal Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Metro Community CU Metro Community Federal CU 215 18th St 25703 (304) 697-4652 No 4.61
First Priority CU Ashland 1140 Carter Ave 25704 (304) 522-9450 No 4.93
Chhe CU CHHE Federal Credit Union 1340 Hal Greer Blvd 25701 (304) 526-2226 No 5.08
Cabway Telco CU Main 1135 6th Ave 25701 (304) 522-7752 No 5.36
Appalachian Power Employees CU MAIN OFFICE 1122 7TH AVE 25701 (304) 696-1399 No 5.38

Universal Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Universal Federal 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 4.21 5.10 5.13 5.23
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 306 337 284 258
Rank Among All West Virginia Credit Unions N/A 32 32 25 18

Universal Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 N/A 0.20 0.50
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 143 N/A 318 227
Rank Among All West Virginia Credit Unions N/A 23 N/A 35 21
Universal Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 11.2809472,083,639
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.2102894,891,346
Used Vehicle Loans 5.1007546,611,040
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.13029215,729,673
Total Other Real Estate Loans/Lines of Credit 5.23031469,417
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.95046539,456
TOTAL LOANS & LEASES 2,35930,324,571

Universal Federal 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 28414,686,802181,223,133
    a. > 15 years 0000
    b. 15 Years or less 81,042,87100
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 31469,417363,000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 32316,199,090211,286,133


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