An Inclusive Credit Union with a Baylor Heritage

In 1956, the president of Baylor University wrote a letter to the Texas Credit Union Department requesting a charter for a credit union. Once granted, our founding members — Baylor employees, students, alumni, and their families — pooled their savings and created the financial cooperative we now call 1st University Credit Union. Their vision was to come together to help each other reach life’s goals.

Today, we continue to affirm this mission by delivering financial solutions to the Baylor and Waco communities with exceptional service to our members.

To learn how we can help you reach your goals, head to our website.

Learn More

This is your journey. Let's begin together.



Where are you headed? How do you want to get there?

From wherever you are to wherever you see yourself going, 1st University Credit Union can help you along the way. Quite honestly, that’s why we exist: to help you save, to give you the means to make purchases, to help you buy a car, a house, and many other things you’ll need along the way.

Let’s start by bridging the gap between your financial aid and the actual cost of attending school with a Private Education Loan.

The Benefits of Membership



So, what makes credit unions different?

1st UCU offers the same products as banks, but we don’t have any outside owners or shareholders. Instead, our members are our owners. Just like when the credit union was formed, members pool their money by making deposits into their savings, checking, money market, and/or certificate accounts.

That money is then loaned to members so they can purchase the things they need and want, like automobiles, homes, and more.

But because we do not have outside owners pressuring us to make more and more profits like banks do, we can set our rates (dividends on deposits and interest on loans) and fees to best benefit our members while maintaining the financial security of the credit union.

That means our profits are reinvested in you, giving you more for your money. Neat, right?

This means better rates, better service, and your ability to achieve your goals sooner.

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