1st United Credit Union is headquartered in Pleasanton and is the 51st largest credit union in the state of California. It is also the 348th largest credit union in the nation. It was established in 1932 and as of September of 2022, it had grown to 148 employees and 63,193 members at 9 locations. 1st United Credit Union's CD rates are 3X the national average, and it has a B+ 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.
See current membership details
Related Posts
8/26 - Another $100 Checking Bonus At 1St United CU - Bay Area Of California
5/8 - 1st United CU (CA) 24-month CD Has Bump-Up And Add-On Options
4/4 - 24-Month Fixed Share Certificate, 2.00% APY
2/1 - $100 Checking Bonus At 1St United Credit Union - Bay Area Of California
3/12/09 - Add-On CDs with Rates up to 2.85% at 1st United Services Credit Union in CA
1/21/09 - 4.00% 48-Month CD and Other CD Deals at 1st United Services Credit Union in California
7/15/07 - 7.00% 7-Month CD at a California CU - $2.5K Max (1st United Services).
1/19/07 - 5.75% 12-Month / 5.50% 6-Month CD at a California/Nevada CU (1st United Services)
10/11/06 - 6.00% 12-Month / 5.85% 6-Month CD at a California/Nevada CU (1st United Services)
Change In Terms Of Add-On Cds
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.
They Don’T Take Care Of Customers
They didn’t return money I lost due to unauthorized use of my atm card because I filed the claim too late
I never received a new atm card in the mail and they never informed me I could get one made the same day at a branch
They take forever to release holds on money I deposited which has left me in a bind more than once including while traveling
I’ll be taking my business elsewhere for numerous other reasons but as someone living paycheck to paycheck I simply cannot count on this credit union
Data as of Q3 2022
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 63958 |
| Year Chartered | 1932 |
| Employees | 148 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.54% |
| Return on Equity - YTD | 7.31% |
| Annual Interest Income | $27.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2022vs Q3 2021 | $1.27B$1.29B |
| Loans | Q3 2022vs Q3 2021 | $878.2MM$768.3MM |
| Deposits | Q3 2022vs Q3 2021 | $1.17B$1.17B |
| Equity Capital | Q3 2022vs Q3 2021 | $94.5MM$117.1MM |
| Loan Loss Allowance | Q3 2022vs Q3 2021 | $1.4MM$1.4MM |
| Unbacked Noncurrent Loans | Q3 2022vs Q3 2021 | $439.00K$481.00K |
| Real Estate Owned | Q3 2022vs Q3 2021 | $0$0 |