Here’s Your UFCU Routing Number

Use this routing number for direct deposits or wire transfers.

University Federal Credit Union is the largest locally owned financial institution in Austin, Texas, and it provides members with a number of products and member services including UFCU online banking, UFCU mobile banking, credit cards, loans and insurance.

If you are a UFCU member and want to sign up for direct deposit, make payroll payments or send a wire transfer, you will need to know your checking account routing number. If you have an account with UFCU or want to transfer money to a UFCU account, you will need the credit union’s routing number:

UFCU Routing Number

    • 314977405

What Is a Routing Number?

You can find UFCU’s routing number at the bottom left of a personal or business check. If you don’t have a check available, you can reference the table above to find your routing number now.

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A routing number, also known as an ABA routing number or routing transit number, consists of nine digits that contain information about where a financial transaction should be processed.

Some financial institutions have different routing numbers depending on the state in which you opened the account, but UFCU has one routing number for all account holders.

What Do the Numbers Mean?

The first four digits serve as the Federal Reserve routing symbol, the next four digits identify the ABA institution the money is being transferred to, and the final digit is the check digit.

The first two digits will either be 80 or range from 00 through 12, 21 through 32, or 61 through 72. The digits provide more information about the institution: 00 is used by the U.S. government; 01 through 12 are the normal routing numbers; 21 through 32 are assigned to thrift institutions, such as credit unions and savings banks; 61 through 72 are used for electronic transactions; 80 is used for traveler’s checks. 

Related: Best Credit Unions Anyone Can Join

What Number to Use for Wire Transfers

Some institutions have a different number for receiving wire transfers, but UFCU uses the same routing number: 314977405.

This number can be used to receive domestic wire transfers, but UFCU members cannot accept direct international wire transfers. Funds must be transferred from an international financial institution to its corresponding bank in the United States, and funds can then be transferred from that bank to UFCU using UFCU’s routing number.

Learn more about the difference between banks and credit unions.

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About the Author

Gabrielle joined GOBankingRates in 2017 and brings with her a decade of experience in the journalism industry. Before joining the team, she was a staff writer-reporter for People Magazine and Her work has also appeared on E! Online, Us Weekly, Patch, Sweety High and Discover Los Angeles, and she has been featured on “Good Morning America” as a celebrity news expert.