Abstract: Recent development of path integral matching techniques based on the covariant derivative expansion has made manifest a universal structure of one-loop effective Lagrangians. The universal terms can be computed once and for all to serve as a reference for one-loop matching calculations and to ease their automation. Here we present the fermionic universal one-loop effective action (UOLEA), resulting from integrating out heavy fermions (Dirac or Majorana) with scalar, pseudo-scalar, vector and axial-vector couplings. We also clarify the relation of the new terms computed here to terms previously computed in the literature and those that remain to complete the UOLEA. Our results can be readily used to efficiently obtain analytical expressions for effective operators arising from heavy fermion loops [13].