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1st United Credit Union


Overview / Commentary
www.1stunitedcu.org
800-649-0193
5901 Gibraltar Dr
Pleasanton, CA 94588

1st United Credit Union is headquartered in Pleasanton and is the 49th largest credit union in the state of California. It is also the 326th largest credit union in the nation. It was established in 1932 and as of December of 2021, it had grown to 152 employees and 62,942 members at 9 locations. 1st United Credit Union has an A health rating.

Field of Membership Restrictions

Membership in 1st United Credit Union is open to those who live, work, or attend school in Alameda, Contra Costa, Kings, San Joaquin, Solano, or Stanislaus Counties in California.
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Reviews (1)

Change In Terms Of Add-On Cds

Posted by: |

1st United CU had Add-On CDs allowing for unlimited add-ons during the term of the CD. Then suddenly, without warning and in my case, without any notice, when an earlier CD came due and we sought to transfer funds to a later maturing 3% CD we were informed that as of October 2, 2020, Add-Ons would be limited to $10,000. Interestingly as late as July 2, 2020, we had all received notices that unlimited Add-Ons up to $250,000 were permitted to all CDs with the Add-On feature. But no similar email or written notice was sent until a request was made 30 days before maturity of the CD to transfer funds on maturity to the CD with the next longest maturity. This appears to be a tactic that is used more and more by credit unions. I am currently in a dispute with them.

3


Health
A

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #63958
Year Chartered1932
Employees152
Primary Regulator
Profit Margin
Return on Assets - YTD0.3%
Return on Equity - YTD3.41%
Annual Interest Income$32.6MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$1.29B$1.26B
LoansQ4 2021vs Q4 2020$794.4MM$807.1MM
DepositsQ4 2021vs Q4 2020$1.17B$1.14B
Equity CapitalQ4 2021vs Q4 2020$115.3MM$117.6MM
Loan Loss AllowanceQ4 2021vs Q4 2020$1.4MM$2.1MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$537.00K$999.00K
Real Estate OwnedQ4 2021vs Q4 2020$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not 1st United Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

1st United Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%$100-Regular Savings
0.03%$100-IRA Savings
0.03%$100-Youth Savings
0.03%$100-Holiday Club Savings
0.03%$100-Miscellaneous Savings
0.03%$100-Business Savings

1st United Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$250k*-Money Market
OTHER TIERS: 0.10% → $1k - $25k | 0.12% → $25k - $50k | 0.14% → $50k - $100k | 0.16% → $100k - $250k
0.20%*$250k*-Business Money Market
OTHER TIERS: 0.10% → $1k - $25k | 0.12% → $25k - $50k | 0.14% → $50k - $100k | 0.16% → $100k - $250k

1st United Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$25k*-Rewards Checking
OTHER TIERS: 0.10% → $1 - $25k
0.03%$1k-Interest Checking
0.03%$1k-Business 1st Interest Checking

1st United Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%$250-84 Month Bump Certificate
1.10%$250-Business 84 Month Bump Certificate
1.00%$250-60 Month Bump Certificate
1.00%$250-Business 60 Month Bump Certificate
0.80%$250-48 Month Bump Certificate
0.80%$250-Business 48 Month Bump Certificate
0.70%$250-36 Month Bump Certificate
0.70%$250-Business 36 Month Bump Certificate
0.50%$250-24 Month Fixed Share Certificate
0.50%$250-Business 24 Month fixed Share Certificate
0.45%$25-12 Month Youth Certificate (17 & under)
0.45%$250-12 Month Fixed Share Certificate
0.45%$250-Business 12 Month Fixed Share Certificate
0.25%$250-6 Month Fixed Share Certificate
0.25%$250-Business 6 Month Fixed Share Certificate

1st United Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%$250-84 Month Bump IRA Certificate
1.00%$250-60 Month Bump IRA Certificate
0.80%$250-48 Month Bump IRA Certificate
0.70%$250-36 Month Bump IRA Certificate
0.50%$250-24 Month IRA Fixed Certificate
0.45%$250-12 Month IRA Fixed Certificate
0.25%$250-6 Month IRA Fixed Certificate
Locations


1st United Credit Union Locations
Branch Office5901 Gibraltar DrPleasanton, CA 94588
Branch Office109 Review WayHayward, CA 94544
Branch Office2680 5th St Ste AAlameda, CA 94501
Branch Office2175 Milvia StBerkeley, CA 94704-1112
Branch Office3365 Castro Valley BlvdCastro Valley, CA 94546
Branch Office2710 Mowry AveFremont, CA 94538-1609
Branch Office600 Bancroft AveSan Leandro, CA 94577-2904
Branch Office6300 College Ave Ste 110Oakland, CA 94618
Branch Office4518 Las Positas RdLivermore, CA 94551

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