University Credit Union: Serving Our Community Since 1947

A Tradition of Trust and Service

Established in 1947 as the University of Miami Credit Union, we have proudly served the University of Miami faculty, staff, students, and alumni. Over the decades, our reputation for meeting the banking needs of the University Community with essential financial services has only grown stronger.

Expanding Our Horizons

In 1982, Florida International University became a sponsor, allowing us to offer expanded employee benefits to their community. This pivotal moment led to our rebranding as University Credit Union. By 1988, St. Thomas University joined our family, extending these benefits further. In 2005, the Lawyers Credit Union, serving legal communities across Miami-Dade, Broward, Palm Beach, and Monroe Counties, merged with us, broadening our services for membership to all member attorneys of The Florida Bar Association and their employees.  Today, our services are open to all.

A Not-for-Profit, Member-Owned Cooperative

University Credit Union operates as a member-owned, not-for-profit cooperative financial institution. Governed by a member elected volunteer Board of Directors, credit unions stand as the only democratically controlled financial institutions in the United States. Our guiding philosophies, "Not for Profit, Not for Charity, But for Service" and "People Helping People," underscore our commitment to providing the best possible banking services at low costs, with favorable rates and financial assistance.

Tailored Solutions for Businesses

We are dedicated to serving our working-class members and business owners. By offering tailored banking products, we help businesses enhance their employee benefits packages with our credit union services.

Our Reach and Resources

With assets of $260 million and over 15,000 members, University Credit Union is committed to being your trusted financial advocate. Our offices are conveniently located throughout the community, including branch locations and ATMs on university campuses and their medical facilities. Through our affiliation with the Credit Union Shared Services Corporation, our members enjoy fee-free access to their accounts at over 5,000 branch locations and 50,000 ATMs worldwide.

Join Our Family

We invite you to become a member-owner of University Credit Union and experience the benefits of being part of a community-focused financial institution dedicated to your financial well-being.



A wide selection of deposit and loan products is combined with other financial service products to round out a complete service offering.

Our Deposit Products Include:

  • Checking Accounts
  • Regular Share (Savings) Accounts
  • Tiered Money Market Accounts
  • I.R.A. Accounts & I.R.A. Certificates
  • I.R.A. Roth & Education Accounts
  • 91 Day, 6 Month, 1, 2, 3, & 5 Year Certificates
  • Holiday Club and Vacation Savings Accounts
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Our Loan Products Include:

  • First Mortgages
  • Home Equity Loans
  • Home Equity Lines of Credit Loans
  • New and Used Vehicle Loans
  • Camper & Motor Home Loans
  • Motorcycle & Boat loans
  • Secured Loans
  • Signature Loans and Lines of Credit
  • Share and Certificate Pledged Loans
  • Traditional Fixed Rate Mastercard
  • Rewards Mastercard
  • Secured Mastercard Classic
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Our Business Products Include:

  • Checking Accounts
  • Regular Share (Savings) Accounts
  • Tiered Money Market Account
  • 91 Day, 6 Month, 1, 2, 3, & 5 Year Certificates
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  • Business Line of Credit
  • Business Term Loans
  • Business Auto Loans
  • Commercial Real Estate Loans
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Additional Financial Service Products include:

  • Member Care Center
  • Safe Deposit Boxes
  • Ufinancial Digital Banking
  • Free BillPayer
  • Check Image Retrieval
  • e*- Statements
  • Overdraft Courtesy/Protection
  • Visa Check (Debit) Card

  • 24 Hour ATM Service
  • ATM Networks; Cirrus, Star, Plus, CU24, Exchange
  • Service Center Branches
  • 24 Hour Automated Account Phone
  • Direct Deposit
  • Distribution Plus
  • Online Loan Application
  • Gap Insurance
  • Credit Life and Accident & Disability Insurance
  • Mechanical Breakdown Insurance
  • Vehicle Extended Warranty
  • Visa Gift Cards
  • Cashier’s Checks
  • Free Notary Service

Your University Credit Union Board, Management, Branch, and Support Teams invite you to join as a member and owner of the finest Credit Union available to you. Your team stands ready to serve, assist and work diligently to bring you the service you deserve.

The Credit Union Difference

How is a credit union different than a bank? Credit unions are not-for-profit organizations that exist to serve their members. Like banks, credit unions accept deposits, make loans and provide a wide array of other financial services. But as member-owned and cooperative institutions, credit unions provide a safe place to save and borrow at reasonable rates.

Member Owned

Credit unions are owned and controlled by the people, or members, who use their services.

Credit unions operate to promote the well-being of their members.


The cooperative structure of credit unions creates a cycle of mutual assistance towards the common goal of the financial well-being of members.


Profits made by credit unions are returned back to members in the form of reduced fees, higher savings rates and lower loan rates.

Our Locations

Corporate Campus Branch

13241 SW 136th Street
Miami, FL 33186

UM Whitten University Center

1306 Stanford Drive
Coral Gables, FL 33146

UM Coral Gables Branch

6250 SW 57th Avenue
Miami, FL 33143

UHealth Medical Branch

Park Plaza West, Suite J
1611 NW 12th Avenue
Miami, FL 33136

Jackson West Medical Center

Jackson West Medical Center,
1st Floor Emergency Room Entrance
2801 NW 79th Ave,
Doral, FL 33122

Florida International University Branch

Blue Parking Garage
10880 SW 16th Street
Miami, FL 33199

FIU Biscayne Bay Campus

Wolfe University Center
3000 NE 151st Street
North Miami, FL 33181

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