Mailing Address:

University & Community Federal Credit Union
P.O. Box 1357
Stillwater, OK 74076-1357


Phone – 405.743.3328
Fax – 405.743.3350
Routing – 303185813
After Hours Lost/Stolen Debit Card – 888.263.3370
After Hours Lost/Stolen MasterCard – 855.436.4208
Fraud (SecurLock Falcon) Debit Card  – 855.961.1602

Main Location:
311 E. McElroy Rd. Stillwater, OK 74075
(ATM located in the Drive-Thru)
Hours: M-F 9:00am-5:00pm*
Drive-Thru: M-F 8:00am-6:00pm, Sat. 8:00am-1:00pm

*Please note the new opening hours of operation, effective 10.1.2020.

During COVID-19 pandemic, temporary hours may be set. 
Please visit our COVID-19 Update page where changes are made frequently.

Full-Service ATM:
4020 W. 6th Ave., Stillwater, OK 74074
1335 E. Main St., Cushing, OK 74023
Withdrawal cash, deposit cash and checks 24/7

Student Union Branch:
054 Student Union Stillwater, OK 74078
(ATM located on 2nd Floor, Northeast Entrance)
Hours: M-F 9:00am-5:00pm *

* Please note the new opening hours of operation, effective 10.1.2020.

During COVID-19 pandemic, temporary hours may be set. 
Visit COVID-19 Update page for May 2020 hours.

Other Totally Free* ATMs in Stillwater:
Tinker FCU ATM West (5101 W. 6th Ave.)
Tinker FCU ATM Downtown (202 E. 6th Ave.)
Valero ATM (1010 W. 6th Ave.)
Kum-N-Go ATM (1890 N. Perkins Rd.)

*These ATM locations are not maintained by University & Community FCU. Should the operator change the terminal and/or network, a fee may be charged. Please also look for the Transfund logo on the machine before use.

TransFund Surcharge-Free ATMs

You can find a surcharge-free ATM by visiting the TransFund Surcharge-Free website. Follow the directions on the website to find a fee free ATM. You must have UCFCU Electronic Checking for our fee to be waived for using a foreign ATM.

CO-OP Shared Branch

More than 40 Shared Branching locations exist in Oklahoma and nearly every state in the union has participating credit union branches. More information about locations nationwide is available at CUSC’s website:

Visit our FAQ page to see if your question is answered there.

Communication via this form occurs via email and as such, confidential information such as account numbers or other critical information may be transmitted insecurely. If you have a need to transfer personally identifiable information, you may log in to your online banking account and communicate from there.

Secure Email System

Please utilize our Secure Email System if you need to send sensitive information to University & Community FCU. You will be required to create an account on our secure mail portal. You may then send email to any valid account that you wish to contact. You will need to know the correct email address you intend to send information to as this will not be provided for you. Information is sent via encrypted communication to us. Replies back will be through the same encrypted portal.

Contact Form

Please use the secure email portal above for sending sensitive information/files. You will need a contact email in order to use the secure email portal. Please use the contact form below to initiate contact and receive further instructions.
  • Your Name * Required