1St United Services Credit Union

1St United Services Credit Union Locations

5901 Gibraltar Drive North
Pleasanton, CA 94588
800-649-0193
www.1stuscu.org

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1St United Services Credit Union is headquartered in Pleasanton and is the 42^nd largest credit union in the state of California. It is also the 258^th largest credit union in the nation. It was established in 1932 and as of December of 2012, it had grown to 100 employees and 48,538 members. 1St United Services Credit Union has a 5-star health rating.

1St United Services Credit Union Routing Number: 321174000

2.4% 60 Month CD At 1St United Services Credit Union In Northern California (Forum) - 12/22/2010

1st United Services Credit Union is offering a 60 month bump certificate with a 2.4% APY, minimum of $2000. They have branches in the East SF Bay Area, and membership is open to people in Alameda or Contra Costa County. The online membership form lets you

Add-On CDs with Rates up to 2.85% at 1st United Services Credit Union in CA - 3/12/2009

1st United Services Credit Union is offering some competitive rates on its Add-On Certificates. There's a 2.60% APY for an Add-On CD with terms of 12 to 24 months. Minimum deposit is $1,000. There's also an Jumbo Add-On CD with a 2.60% APY for 6 months...

4.00% 48-Month CD and Other CD Deals at 1st United Services Credit Union in California - 1/21/2009

1st United Services Credit Union is offering a 4.00% APY bump certificate with terms of 48 and 60 months. Minimum deposit is $2,000. It's available as both a regular and IRA certificate.The bump feature allows you to make one request to bump up the rate...

7.00% 7-Month CD at a California CU - $2.5K Max (1st United Services). - 7/15/2007

1st United Services Credit Union is offering a 7.00% APY 7-month share certificate at its new Castro Valley branch from June 16th through July 21st. The minimum deposit is $1,000, and the maximum is $2,500 per member. A checking account is required....

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See Rates for: Checking | Savings | Money Market | CD | IRA

1St United Services Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.05%	$1k	-	1st Interest Checking

1St United Services Credit Union Savings Account Rates

Apy	Min	Max	Product
0.05%	$100	-	Regular Savings
0.05%	$100	-	IRA Savings
0.05%	$100	-	1st Savers Club (16 & under)
0.05%	$100	-	Roth IRA Savings

1St United Services Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.30%	$100k	-	1st Interest Money Market

1St United Services Credit Union CD Rates

Apy	Min	Max	Product
2.00%	$1k	-	84 Month Platinum - Fixed Certificate
1.50%	$1k	-	60 Month Platinum - Fixed Certificate
1.10%	$1k	-	48 Month Platinum - Fixed Certificate
0.90%	$1k	-	36 Month Platinum - Fixed Certificate
0.60%	$1k	-	24 Month Platinum - Fixed Certificate
0.40%	$25k	-	12 Month Triple Advantage Certificate
0.35%	$1k	-	12 Month Platinum - Fixed Certificate
0.30%	$25k	-	6 Month Triple Advantage Certificate
0.25%	$100	-	1st Savers Certificate (17 & under)
0.25%	$1k	-	6 Month Platinum - Fixed Certificate

1St United Services Credit Union IRA Rates

Apy	Min	Max	Product
2.10%	$1k	-	84 Month IRA Fixed Certificate
2.10%	$1k	-	84 Month Roth IRA Fixed Certificate
1.60%	$1k	-	60 Month IRA Fixed Certificate
1.60%	$1k	-	60 Month Roth IRA Fixed Certificate
1.00%	$1k	-	36 Month IRA Fixed Certificate
1.00%	$1k	-	36 Month Roth IRA Fixed Certificate
0.50%	$25k	-	12 Month IRA Fixed Certificate
0.50%	$25k	-	12 Month Roth IRA Fixed Certificate
0.40%	$25k	-	6 Month IRA Fixed Certificate
0.40%	$25k	-	6 Month Roth IRA Fixed Certificate

Rates updated: 5/22/2013

Data for Q4 2012

Institution Statistics

1ST UNITED SERVICES
NCUA #	63958
BankRate Report	View
Year Chartered	1932
Employees	100
Primary Regulator
Assets and Liabilities
Assets	$806.40 million
Loans	$446.72 million
Deposits	$727.37 million
Equity Capital	$77.09 million
Loan Loss Allowance	$6.31 million
Unbacked Noncurrent Loans	$3.95 million
Real Estate Owned	$730,000
Historic Data - December 2011
Assets	$795.24 million
Equity Capital	$74.96 million
Loan Loss Allowance	$7.70 million
Unbacked Noncurrent Loans	$4.49 million
Real Estate Owned	$711,000
Profit Margin - Quarterly
Net Interest Margin	4.37%
Return on Assets	0.28%
Return on Equity	2.89%
Interest Income	$25.16 million
Non-Interest Income	$6.50 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 1St United Services Credit Union had $4.68 million in non-current loans and owned real-estate with $83.4 million in equity and loan loss allowances on hand to cover it. This gives 1St United Services Credit Union a Texas Ratio of 5.61% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for 1St United Services Credit Union held steady from 6.29% as of December 31, 2011 to 5.61% as of December 31, 2012, resulting in a positive change of 10.77%.This indicates that the balance sheet and financial strength for 1St United Services Credit Union has held steady in recent periods.
Deposit Growth
In the past year, 1St United Services Credit Union has increased its total deposits by $8.23 million, resulting in 1.14% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 1St United Services Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 1St United Services Credit Union has $806.4 million in assets with $83.4 million in equity, resulting in a capitalization level of 10.34%, which is above average.