Founded in 1956 as Baylor Employees Credit Union by Baylor University staff, 1st University Credit Union is now based in Waco, Texas and serves communities across McLennan, Erath, and Bosque counties. It provides checking, savings, and lending services with a focus on university-connected and Central Texas members.

1st University Credit Union has roots stretching back to 1956, when Baylor University employees came together to build a financial cooperative of their own, and that university-community spirit still shapes it today across McLennan, Erath, and Bosque counties. Members get personal service alongside checking, savings, and loan products designed for real life in Central Texas. Bank with 1st University CU and add Fluz to the mix to earn cashback rewards on debit card purchases and everyday spending, layering modern perks onto a credit union with genuine local history.