Money Market FAQ

Yes. The same Member-first approach behind UFCU mortgage loans applies to auto loans, so you can handle your car and your home under one Membership.

Fixed rates suit people who plan to stay in the home long-term and want predictable payments. Adjustable rates can fit shorter timelines or specific plans. Talk it through with UFCU before you decide, because the best choice depends on where your life is headed.

Prequalification is a quick estimate based on the numbers you share. Preapproval goes deeper, verifies your finances, and carries real weight when you make an offer on a home. If you're serious about buying, preapproval is the stronger tool.

Probably less than you think. Twenty percent is a common guideline, not a requirement, and many loan options allow much less. The right amount balances your monthly payment, your savings, and your timeline.

If your replacement card is eligible, you may be able to receive a Digital Card and begin using it before your physical card arrives. ATM cards and deposit-only cards are not eligible. If you have any trouble, you can contact (800) 252-8311 for help.

If you need to replace an active debit or credit card, contact Member Services. A team member can help determine whether a Digital Card is available for your replacement card.

The following card types are eligible:

• UFCU Debit Cards
• UFCU Credit Cards

The following card types are not eligible:

• ATM Cards
• Deposit-Only Cards

Digital Cards are currently available only for Members who are replacing an existing UFCU debit or credit card. The card being replaced must already be active before a Digital Card can be issued. If you’re eligible for a Digital Card, you will see “Digital Card Available” in Online Banking or “Digital Card” in the Mobile app, under the Cards section. Digital Cards are not available for new card issuance.

Yes. Alongside auto loans, UFCU offers mortgage loans and home financing guidance with the same Member-first approach. If a home purchase sits anywhere in your future, you already know where to start.

Membership reaches beyond Austin. Visit UFCU.org for current eligibility details or reach out and we'll help you find your path to Membership in minutes.

Yes. If your current rate is higher than you'd like, refinancing may lower your payment or reduce the total interest you pay. Even a loan you opened recently may qualify, so comparing costs you nothing.

Most applications ask for proof of identity, proof of income, and vehicle details if you already have a car picked out. You can apply online at UFCU.org in minutes, and you can start before you choose a vehicle.

Mobile alerts, card controls, and online tools help track spending and account activity. Notifications help keep spending visible.

Instant-issue debit cards are available in branches, including replacements if needed. Replacement cards can be issued in person for speed.

Eligible employers and payment providers send funds early once enrolled in direct deposit. Timing depends on employer participation.

No minimum balance is required to keep your account open or avoid fees. No hidden balance requirements apply at any time.

Yes. You don’t need certainty to reach out. Reporting early helps protect you and others.

Impersonation fraud usually comes in the form of phone calls, texts, or emails that create urgency or ask you to take action.

What’s the risk?
hey may try to pressure you to share information or move money quickly.

What to Do

• Hang up or stop responding.
• Don’t share information or move money.
• Go to the company’s official website and contact them using a trusted number.

Be prepared to share what happened, when it happened, how you were contacted, and any information you may have provided.

To Report a Scam or Suspicious Message
Email fraud@ufcu.org; or
Call (512) 467-8080 and choose Option 5 → Option 4 → Option 2.

To Report a Fraudulent Transaction or Dispute a Charge
Call (866) 928-5450.