UFCU Routing Number – United States (How to Guide)

Nine digits make up a routing number. There are three portions to those nine digits. Here’s what you need to know about the three key components of the UFCU routing number.

UFCU Routing Number is used for wire transfer bank transactions. University Federal Credit Union or UFCU is a credit union based in Michigan, United States. It has been around for more than 70 years. It currently has 35 branches in six States. So with all the 174,000 members, they will all need to know the UFCU routing number. Find the routing numbers of all US Banks in our full Routing Numbers List.

ufcu routing numbers

So in this article, we will be giving you exactly that what you came here for plus some more information that will be helpful for you in the future. We know that every information is vital when it comes to your financial aspects. So we are here to give you what you want with more and nothing less.

You can also find details about Chase Routing Number, Wells Fargo Routing Number, Citibank Routing Number, Bank of America Routing Number, and PNC Routing Number in this website.

What is UFCU Routing Number?

To better understand what the UFCU routing number is, you need to know what they are for. Some would say that the routing number is just as important as the person’s account number. At some point, yes, it is.

You see, the UFCU routing number or any bank routing number has its purpose. All the nine digits inside the UFCU routing number say something about the bank and its source. The UFCU Routing Number is 314977405.

Parts of the Routing Number

A routing number has nine digits. Those nine digits are divided into three parts. Here are the things that you should know about the three important parts of the UFCU routing number.

money bank

Parts of the Routing Number

The first part is dedicated to the Federal Reserve Processing Symbol. It is the one that consists of four digits number. The first two digits are for the 12 Federal Reserve Districts any financial institution is located.

The following third and fourth digits will determine the location of the regional processing center. The next four digits are used to determine the name of the bank. This will depend on the Federal Reserve account.

The very last digit or the ninth digit is called the “check digit” that validates the entire UFCU routing number or any routing number for that matter. That is how it works.

Breakdown of UFCU’s Routing Number

In the case of UFCU, since it is a thrift institution like a credit union and savings bank, it uses a different set of two numbers. Here is how it works.

  • If the first digit starts with “00”, that means the routing number is used by the United States Government.
  • If it starts with “01” to “12” then it represents the 12 Federal Reserve Banks in the 12 main United States District.
  • For routing numbers that start with “21” to “32” digits, then it means it is from thrift institutions such as savings banks and credit unions. It is actually plus 20 to the regular U.S. District number.
  • Now, for the routing numbers that start with the number “61” to “72”, that means it is used for Electronic Transaction Identifiers. These are non-bank processors and clearinghouses. It is using plus 60 from the original U.S. District.
  • If you see the routing number that starts with “80,” that means it is using the traveler’s check.

Note: The UFCU is a credit union. Thus, the first two digits “31” it is using means it is in Michigan.

How to Find It?

In order to find the UFCU routing number, it does not always have to be online. There is an offline way to learn your routing number without touching your laptop, smartphone, or PC.

This is information that has been placed by all financial institution to easily identify which branch will process which bank. It has been there for the longest time banks, and credit unions existed.

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Numbers on your Check

If you currently have your UFCU check, you may take it out now and see the numbers printed on it. On the check’s bottom-left corner is the nine-digit set of numbers.

Just like in America First Routing Number and Regions Routing Number, the nine-digit number is supposed to be next to the account number printed on the check. That nine-digit number is the ABA routing number or the transit routing number. That is the one you are looking for as a UFCU routing number.

If you have accounts with SunTrust Routing Number, Navy Federal Routing Number, or KeyBank Routing Number, you may check out respective articles for them.

UFCU Texas

If you are looking for the UFCU routing number for Texas, you do not have to look any further. The good thing about UFCU is that they use only one routing number for all their accounts and transactions. If you want to know the UFCU routing number, it is the 314977405. The same goes if you are looking for the UFCU routing number for Austin. Austin is a city in Texas.

NOTE: For those of you looking to transfer funds internationally using UFCU account, that is not possible anymore. According to UFCU official website, they no longer offer outgoing international transfers. That means no more Wire Transfers for UFCU.

If you do want to Wire Transfer your funds, you may use other services outside of UFCU such as TransferWise. That is the better option for you at this time.


💡 If I use a different branch for banking purposes but my account was opened in another branch, which one is my routing number?

In order to simplify the banking process, the banks use the branch and location where your account was opened as the one which is your routing number.

💳 Can I find out the routing number on my debit/credit card?

No. A routing number is only used for the bank to bank transfers, therefore it can not be found out using your debit or credit card. However, you can bookmark this page for easy accessibility so that you can find your routing number whenever you need it.

Is my Routing Number and Account Number the same?

Routing Numbers and Account Numbers are different. Routing Number is the number that is used for the identification of a particular bank branch, according to location. Account Number is specific and unique to your account. A lot of people will have the same Routing Number but no one will have the same Account Number as you. 


In conclusion, If you have a UFCU check, you may take it out right now and look at the numbers on it. The nine-digit set of numbers can be found on the bottom-left corner of the check.

We realize that this has been a bit of a long article for a short UFCU routing number. However, we just want you to understand and get to know your routing number. At least this way, it would be much easier for you to understand why it is so important.

Because with this nine-digit code you can make direct deposits of iinternational transfer, International Wire Transfer, domestic wire transfer, check wire transfer, domestic ACH transfer, electronic funds transfers, international bank transfer, transfer ACH payment, international fund transfer, and other financial services.

If you have any concerns or perhaps some more questions that you want to ask us about transfer of money, international transfer, UFCU Insurance Services ,mobile banking services, secure wire transfer in individual bank accounts, please feel free to use the comment section down below. We will try to get back to you as soon as possible. You can also contact their customer care services for bank services.

1 thought on “UFCU Routing Number – United States (How to Guide)”

  1. The problem here is the cost of the credit unions. It used to be that there were a lot of high-frequency transactions, but this was done by some small banks. So if you had been to Wells Fargo, they had to spend $1 million to pay that loan in the first place. So, in the end, they’d just be wasting a ton of money and doing a lot of things without making it a good investment in the bank.


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