Routing Number 021583771

Routing number 021583771 is assigned to Universal Coop Fcu, a main office located at 14 Pimentel St., Rio Grande, Puerto Rico 00745. This nine-digit ABA routing transit number identifies Universal Coop Fcu within the Federal Reserve's New York district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (02) indicate the Federal Reserve Bank of New York, digits 3-4 (15) identify the processing center, digits 5-8 (8377) are the institution identifier, and the final digit (1) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with Universal Coop Fcu, provide your employer with routing number 021583771 along with your account number. Your account number is separate from the routing number and can be found on the bottom of your checks (to the right of the routing number), in Universal Coop Fcu's mobile app, or in online banking under account details.

You can verify this routing number on the bottom-left corner of any check from Universal Coop Fcu, in the mobile app, or by calling 787-887-2195. Direct deposits using this routing number are processed through the Automated Clearing House (ACH) network and typically post within 1-2 business days.

Routing number 021583771 is registered for ACH transactions at Universal Coop Fcu, including direct deposits, bill payments, payroll, and recurring transfers. ACH payments are processed in batches through the Federal Reserve and typically settle in 1-2 business days.

For domestic wire transfers, Universal Coop Fcu may use a different routing number. Wire transfers are processed individually through the Fedwire system and settle same-day. Always confirm the correct wire routing number with Universal Coop Fcu before initiating a wire — using an ACH routing number for a wire can cause the transfer to be rejected or delayed.

This main office of Universal Coop Fcu is located at 14 Pimentel St., Rio Grande, PR 00745. Universal Coop Fcu operates in the Federal Reserve's New York district, which serves as the regional hub for monetary policy and payment processing in this area.