Premier One Credit Union

Overview / Commentary
6640 Via Del Oro
San Jose, CA 95119

Premier One Credit Union is headquartered in San Jose and is the 86th largest credit union in the state of California. It is also the 680th largest credit union in the nation. It was established in 1968 and as of September of 2022, it had grown to 84 employees and 24,684 members at 5 locations. Premier One Credit Union has a B+ health rating.

Field of Membership Restrictions

Premier One Credit Union is open to anyone who lives, regularly conducts business, attends school or worships in Santa Clara County or San Jose City in California. Retired and active San Jose city employees or volunteers, and employees of any of the following SEGs: Hitachi Data Systems, Santa Clara Chamber of Commerce, Interstate Building Maintenance in Arlington, Texas, ION Implant Services in Sunnyvale, California, Dale Carnegie Training in Campbell, California or any of the more than 100 groups (a complete list of requirements and groups are posted on the credit union's website).
See current membership details

Reviews (2)

I Love My Credit Union!

Posted by: |

I have banked here for years and always get great service by the staff. It is great to know that the employees remember me and are looking out for my best interest. They have helped me save a lot of money over the years.

Beware National 1St

Posted by: |

This regional credit union used to be wider in scope, so their poor service and products do not impact as many customers now.

They have an HSA savings account that used to have a pretty good rate.  BUT then they dropped the rates, and capped it, with a max to receive their teaser rate to be $6250 (lower than IRS limits for annual contributions).  So subsequent annual contributions will only get .005%.  You can do better at dozens of other banks or credit unions.

Lastly, they really do present a "we don't care" attitude.  They will probably have to do mergers to grow their business.



Health Grade Components

NCUA #68540
Year Chartered1968
Primary Regulator
Profit Margin
Return on Assets - YTD0.16%
Return on Equity - YTD2.47%
Annual Interest Income$12.1MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$558.3MM$552.2MM
LoansQ3 2022vs Q3 2021$368.8MM$308.1MM
DepositsQ3 2022vs Q3 2021$518.7MM$500.3MM
Equity CapitalQ3 2022vs Q3 2021$36.3MM$49.1MM
Loan Loss AllowanceQ3 2022vs Q3 2021$1.4MM$793.00K
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$681.00K$303.00K
Real Estate OwnedQ3 2022vs Q3 2021$0$0

Rates for Premier One Credit Union are currently being reviewed.


Premier One Credit Union Locations
Branch Office5353 ALMADEN EXPY Ste 80SAN JOSE, CA 95118-3633
Branch Office140 Asbury StSan Jose, CA 95110
Branch Office1193 E Arques AveSunnyvale, CA 94085-3904
Corporate Office6640 Via Del OroSan Jose, CA 95119
Branch Office1415 1ST ST STE 101GILROY, CA 95020-4870

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