University Federal Credit Union Routing Number: Texas Guide

What is the University FCU routing number?

University Federal Credit Union (UFCU) uses routing number 314977227 for all ACH and electronic transactions. Headquartered in Austin, Texas, UFCU serves members across Central Texas with a comprehensive suite of financial products designed for individuals, families, and businesses.

Founded in 1936 to serve University of Texas faculty and staff, UFCU has expanded its membership to the broader Austin community. With over $4 billion in assets and more than 250,000 members, UFCU is one of the largest credit unions in Texas.

How to find your UFCU routing number

Routing number 314977227 is printed on the bottom-left of your UFCU checks before your account number. You can also locate it by logging into UFCU online banking and navigating to account details.

The UFCU mobile app provides quick access to your routing and account numbers under account settings. You can also confirm your routing number by visiting any UFCU branch in Central Texas or calling member services.

UFCU direct deposit and ACH

Set up direct deposit with UFCU by providing routing number 314977227 and your account number to your employer or benefits provider. UFCU processes payroll and government benefit deposits on standard ACH timelines, ensuring funds are available on your pay date.

UFCU supports comprehensive ACH services including incoming deposits, outgoing bill payments, and external account-to-account transfers. Online banking lets you automate recurring payments and manage electronic transfer settings from anywhere.

UFCU wire transfers

University Federal Credit Union facilitates domestic wire transfers using routing number 314977227. Wire transfers can be initiated at a branch or through member services. Incoming domestic wires are generally credited the same business day when received before the cutoff time.

International wire transfers are also available through UFCU for cross-border payments. Contact the credit union directly for current wire transfer fees, exchange rates, and documentation requirements for international transactions.

Business banking with Slash

UFCU provides trusted banking for Central Texas members. For businesses that need modern digital banking tools beyond traditional credit union services, Slash offers instant ACH and wire transfers, unlimited virtual cards, automated expense management, and real-time cash flow visibility — all accessible from anywhere.

Slash is built for businesses that want to move beyond branch-based banking with multi-entity support, team spending controls, up to 2% cashback on card spend, and seamless integrations with accounting platforms like QuickBooks and Xero.