Universal Federal Credit Union

Here for our Members.

Universal Federal Credit Union is a not-for-profit, member-owned financial cooperative. The Credit Union was chartered in 1935 by a handful of Huntington teachers to help other teachers with savings and loan options. Today, the Credit Union has expanded its field-of-membership and now offers financial services to anyone who lives, works, goes to school, worships, volunteers, or belongs to an association in the following counties: Cabell County, Mason County, Wayne County and Lincoln County in West Virginia, as well as, Lawrence County in Ohio. We pride ourselves in offering specialized services to the professionals within the education field, however, our financial products and services are designed to help all of our membership reach their financial goals and dreams.




Main Office  
317 31st Street
Huntington WV 25702

Mall Branch
117 Mall Road, Barboursville WV 25504

SMMC Branch
2828 First Avenue Suite 103, Huntington WV 25702 (Highlawn Medical Building)


(304) 697-2919


Debit Card Fraud & TEXT Messages

If you receive a text message from 207-33, EnFact Fraud Provention Center, this is a VALID request from Universal FCU and our fraud prevention service.  If you would like to be enrolled in text message alerts for your debit card, then follow the directions provided in the text message to enroll.  If you do not wish to receive the text alerts, then reply STOP and it will cancel any further texts.  This service will alert you to a transaction that is in question and help prevent fraud from occurring on your account.  Universal FCU is working diligently to prevent disruptions to your debit card use while also protecting your account to the best of our ability.

Activating a new Debit Card?

You now need to call 800-992-3808 instead of going to an ATM to activate.  Identity questions will be asked/confirmed, during the phone call.  If you have any questions, please contact our member services department.


New and Used Vehicle Loans - Auto, Boat, Motorcycle, RV, Camper
Bill Consolidation Loans
Signature Loans
Mortgage Loans* - First and Second Mortgages, Fixed Rate and Balloons

Lost or Stolen Debit Card?

If you need to report a lost or stolen debit card outside of our normal business hours, please call 1 800-472-3272.


Regular shares - Special Shares
Christmas Club Shares - Summer Pay Shares - IRA Accounts
Term Share Certificates
Share Draft Accounts
Club Ed (Children’s Club) Shares

Bill Pay

Pay your bills electronically to any company or any individual. You must be an active user of CU Online (home banking) to utilize this service. Once logged into CU Online, click on the Bill Pay link to enroll and use this fantastic product!


Reminder to Members

Universal Federal CU has always wanted our members to be aware of the services we offer and the fees that could be applied to any account or situation.  All of this information is, and has been, available on this site for you to access at your convenience.  In the "Products" section, you will find a complete list of everything we offer, as well as, a short definition to clarify/explain the product or service.  In the "Disclosure and Rates" section , you will find several links to very important disclosures.  These disclosures list all applicable fees associated with the accounts available at Universal.  As always, if you would like a paper copy of any of our disclosures, you may stop by an office and request one, or a request can be mailed to our main office.

ADA Statement

Universal Federal Credit Union is committed to make universalfcu.com compliant with the Americans with Disabilities Act. As final regulations have not been enacted, we recognize that not all areas of our website may be ADA compliant. We are now, and will continue to be, in the process of redesigning and creating website content that is/will be compliant with the W3C Level One guidelines.

We welcome any feedback on how to improve the site’s accessibility for all users. Please contact us at 1-304-697-2919.