1st United Credit Union

Overview / Commentary
5901 Gibraltar Dr
Pleasanton, CA 94588

1st United Credit Union is headquartered in Pleasanton and is the 54th largest credit union in the state of California. It is also the 376th largest credit union in the nation. It was established in 1932 and as of March of 2024, it had grown to 160 employees and 60,634 members at 9 locations. 1st United Credit Union's CD rates are 4X 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; Immediate family member can join the CU; Select Employee Groups member is also eligible for the membership.
See current membership details

Reviews (2)

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.


Posted by: |

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

Update .

I hate this bank so much. I have been a customer for 20 years. Steadily employed full-time with my direct deposit to my checking account. In spite of having a college degree and full time job I am poor. I have had a checking, savings, car loan and credit card with them over the years. Referred friends and family who have opened accounts. I have paid them 10k in overdraft fees over the last year. Yes you read that right I have lost ten thousand dollars in overdraft fees during the most difficult time of my life (moved multiple times, left relationship, medical issues etc). In the end I have an $800 overdraft checking account (hundreds of which are $29 fees) and they froze my checking account until I pay it, Fine. I get that. But this also restricted online access so I can no longer view or pay my open and active credit card bill online. Of course I receive no courtesy electronic reminders about the credit card due date or payment amount. Are their actions legal? YES. Ethical? NO. This bank is not a community partner. THEY DO NOT CARE about “members”. Hope they are eating well off of my $10,000.

I now bank with an institution that doesn’t charge fees for courtesy pay and also makes money almost immediately available when I deposit it. It’s a refreshing change from this horrible institution.


Health Grade Components

NCUA #63958
Year Chartered1932
Primary Regulator
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD5.64%
Annual Interest Income$12.5MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.24B$1.29B
LoansQ1 2024vs Q1 2023$874.4MM$868.7MM
DepositsQ1 2024vs Q1 2023$1.1B$1.16B
Equity CapitalQ1 2024vs Q1 2023$113.7MM$104.9MM
Loan Loss AllowanceQ1 2024vs Q1 2023$3.7MM$1.4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$2.7MM$479K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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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

0.03%$0-Regular Savings
0.03%$0-IRA Savings
0.03%$0-Youth Savings
0.03%$0-Holiday Club Savings
0.03%$0-Miscellaneous Savings
0.03%$0-Business Savings

1st United Credit Union Money Market Rates

0.30%*$250k*-Money Market
OTHER TIERS: 0.10% $1k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k | 0.25% $100k - $250k
0.30%*$250k*-Business Money Market
OTHER TIERS: 0.10% $1k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k | 0.25% $100k - $250k

1st United Credit Union Checking Account Rates

0.15%*$25k*-Rewards Checking
OTHER TIERS: 0.10% $0 - $25k
0.03%$0-Interest Checking

1st United Credit Union CD Rates

4.00%$250-30 Month Certificate Special
4.00%$250-Business 30 Month Certificate Special
3.75%$250-24 Month Fixed Share Certificate
3.75%$250-Business 24 Month fixed Share Certificate
3.50%$250-36 Month Bump Certificate
3.50%$250-Business 36 Month Bump Certificate
3.25%$25-12 Month Youth Certificate (17 & under)
3.25%$250-12 Month Fixed Share Certificate
3.25%$250-Business 12 Month Fixed Share Certificate
2.50%$250-60 Month Bump Certificate
2.50%$250-Business 60 Month Bump Certificate
2.30%$250-48 Month Bump Certificate
2.30%$250-Business 48 Month Bump Certificate
2.00%$250-84 Month Bump Certificate
2.00%$250-Business 84 Month Bump Certificate
1.75%$250-6 Month Fixed Share Certificate
1.75%$250-Business 6 Month Fixed Share Certificate

1st United Credit Union IRA Rates

4.00%$250-30 Month IRA Certificate Special
3.75%$250-24 Month IRA Fixed Certificate
3.50%$250-36 Month Bump IRA Certificate
3.25%$250-12 Month IRA Fixed Certificate
2.50%$250-60 Month Bump IRA Certificate
2.30%$250-48 Month Bump IRA Certificate
2.00%$250-84 Month Bump IRA Certificate
1.75%$250-6 Month IRA Fixed Certificate

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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