University Credit Union

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A short history of University CU

Since its inception in 1947 the University Credit Union has been serving its members in the MIAMI, Florida 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 Michael Welch, Sr., the University CU has grown its membership to over 17,291 with assets of more than $202,314,358. They have a main office and 5 branch offices. Please see the credit unions website or contact them by phone at (786) 425-5000 or email them at MAIL@UCUMIAMI.ORG to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in MIAMI, FL.

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

Charter Number 67348
Address 13241 SW 136TH ST 
State Florida 
Zip-Code 33186
Phone Number (786) 425-5000
Fax Number (305) 534-4543
CEO/President Michael Welch, Sr.
Members 17,291 
Full-Time Employees 59 
Part-Time Employees
Number of Branch Offices
Total Assets 202,314,358 
Website http://WWW.MYUNICU.COOP 

Compare University Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
South Florida Educational CU Homestead 16460 SW 304th St 33033 (305) 248-8006 No 3.36
Baptist Health South Florida CU West Kendall Branch 9555 SW 162nd Ave 33173 (786) 467-3121 No 5.93
Dade County CU Miami Gardens Branch 20645 NW 2nd Ave 33172 (305) 471-5080 No 9.58
Miami Postal Service CU Main Office 2190 NW 72nd Ave 33122 (305) 592-7733 No 11.51
Hialeah Municipal Employees CU Hialeah Mun Emp FCU 1301 W 68th St Ste D 33014 (305) 883-8090 No 14.35

University Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

University 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 13.20 1.49 2.49 4.00 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 462 6 51 138 100
Rank Among All Florida Credit Unions 57 2 5 19 7

University 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 0.10 0.40 0.40
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 143 134 284 243
Rank Among All Florida Credit Unions N/A 22 27 56 35
University Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 13.2002,38510,789,663
All Other Unsecured Loans/Lines of Credit 13.2004501,867,919
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 1.4903927,594,629
Used Vehicle Loans 2.4905976,699,488
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.0003417,998,155
Total Other Real Estate Loans/Lines of Credit 4.00035717,195,894
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.25022216,889
TOTAL LOANS & LEASES 4,23762,362,637

University 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 2411,761,13121,369,000
    b. 15 Years or less 5858,82400
    a. > 15 years 33,830,47800
    b. 15 Years or less 21,547,72241,443,282
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 922,821,81111277,688
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 26514,374,083831,115,838
Open-End Fixed Rate 0000
TOTALS 39135,194,0491004,205,808


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

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