Baylor University Banking
banking made easy on the baylor campus
Baylor Roots. Modern Banking. All Are Welcome.
1st University Credit Union was founded in 1956 by Baylor University employees who pooled their savings to support one another’s financial goals. That cooperative spirit still drives us today.
We proudly serve the Baylor and Waco communities — including students, alumni, employees, and families — with affordable, convenient banking solutions and friendly, local service. We’ve been “Where Bears Bank” since the beginning.
Why Bank with 1st University CU?
We’re not just a place to open an account — we’re part of the Baylor story. Whether you’re on campus or across town, our credit union makes managing your money simple and rewarding.
You’ll get:
A checking account that puts you first
Mastercard® debit card with mobile wallet compatibility and fee-free ATM access (30,000+ CO-OP ATMs worldwide)
Online and mobile banking with remote deposit
Direct deposit & overdraft protection
Low-rate auto and recreation loans
Student loans, mortgages, and more
And all with friendly service just across from Baylor’s Ferrell Center.
Who Can Join?
Membership is open to anyone, including:
People who live, work, or worship in McLennan County, Bosque County, and Erath County
Baylor students, alumni, employees, and ROTC members
Employees of companies contracted by Baylor University
People living or working in Baylor-owned housing
Relatives of current members
Baylor Alumni by Choice members
Once you join, you’re a member for life — even if your circumstances change.
It Only Takes $5 to Join
Start with just $5 in a savings account. That’s all it takes to unlock everything we offer. Open your account online, visit us in person, or call to speak with a friendly team member.
VISIT US
Campus Branch
24 La Salle Ave Unit C
Waco, TX 76706
ATM LOCATIONS
CAMPUS BRANCH
24 La Salle Avenue
Waco, TX 76706
BAYLOR CAMPUS
1615 S. 5th St.
Waco, TX 76706
CO-OP NETWORK
Over 30,000 ATMs worldwide.
Find one near you at www.sbonthego.com
PHONE NUMBERS
Phone: (254) 752-2797
Fax: (254) 752-0552
Lost or Stolen Debit/ATM Card: (254) 752-2797
EMAIL ADDRESS
Please do not include any confidential information (account number, social security number, etc.) in your email.
OFFICE HOURS
Monday-Friday: 9:00 a.m. to 5:30 p.m.
Our online banking services and mobile app are available 24/7
CO-OP SHARED BRANCHING
Locate a shared branch or ATM at www.sbonthego.com
MAILING ADDRESS
One Bear Place, 97102
Waco, TX 76798
ROUTING NUMBER
311989807
For Wire Transfer instructions, click here.
Founded by Baylor University employees in 1956, 1st University Credit Union has grown alongside the Baylor community for generations. Whether you're a student, alum, faculty member, or just part of the Central Texas family, we offer convenient, affordable banking — from checking accounts and mobile apps to auto loans and student lending. Located right by the Ferrell Center, we’re here to help you thrive on campus and for years to come.
Helping You Do Life — Where Bears Bank