UNCLE Credit Union


Overview / Commentary
925-447-5001
2100 Las Positas Ct
Livermore, CA 94551

UNCLE Credit Union is headquartered in LIVERMORE and is the 80th largest credit union in the state of California. It is also the 572nd largest credit union in the nation. It was established in 1957 and as of December of 2023, it had grown to 97 employees and 35,938 members at 5 locations. UNCLE Credit Union's CD rates are 6X the national average, and it has a B+ health rating.

Field of Membership Restrictions

UNCLE Credit Union is open to all California resident through membership in the Financial Fitness Association. Those who live, work, worship, or attend school in the California counties of Alameda, Contra Costa, San Joaquin, or Stanislaus are also eligible to join.
See current membership details

Reviews (3)

Wonderful credit union!

I have been going to Uncle Credit Union for quite some time now. They have been in our town for 20+ years and a great local credit union. The customer service is outstanding and never had any issues when I had a question about my account and needed help. They have a app, so that is always a plus! We have never experienced any issues getting a loan for whatever and have even been able to do credit increases easily over the phone. The fees are reasonable and just like most other credit unions. I love that its a local credit union, and the locations are convenient for me

Uncle Credit Union is Nice Community Bank

Posted by: |

I have been a member of Uncle Credit Union since I was a child. My father had an account linked to his employment which gained me access to an account as well. The service is simple, the rates are better than the big box banks and it is no hassle service for regular banking needs. There are not many ATM's but that is to be expected for a Credit Union. I always check with this bank first to see what rates are available and they almost always have the lowest. Since Uncle is a non profit credit union, net profits are used to reduce the fee and loan structure for the other members.

It Is A SCAM! I Got $Scammed Out Of Actual Money!

Do not lose money by applying for this scam! They direct you to pay $8 on another website in order to get a membership before submitting your application, on top of the $5 for their mandatory supposed savings account that you are not interested in. Now, I've never been charged money BEFORE applying for a checking account, particularly on another website, like in a money laundry shill plot! So, I called them about this shady practice, but they assured me that if I paid the $8 for a useless subscription that I don't want on the prompted page, they would receive the information about the payment to their partner and give me my UNCLE membership and open my checking account! So, of course, the scammers reneged after scamming me out of $8 and denied my membership for the most ridiculous excuse I've never heard of! They told me due to "frequent inquiries" for banking products from different financial institutions (like every one of you who are looking for high interest rates on the pages where they advertise their fake promised interest rates!) they denied my application, and they would not reimburse me the scammed fee for the useless subscription they shill on their account application page!!! Do not lose money and time to these scammers! Do not apply!



Health
B+

Health Grade Components

Overall
NCUA #64482
Year Chartered1957
Employees97
Primary Regulator
Profit Margin
Return on Assets - YTD0.26%
Return on Equity - YTD3.97%
Annual Interest Income$29.6MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$726MM$734.9MM
LoansQ4 2023vs Q4 2022$594.8MM$602.1MM
DepositsQ4 2023vs Q4 2022$660.9MM$596.1MM
Equity CapitalQ4 2023vs Q4 2022$47MM$47MM
Loan Loss AllowanceQ4 2023vs Q4 2022$3.8MM$2.4MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$4MM$3.7MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not UNCLE 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.

UNCLE Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*-$25kKasasa Saver
OTHER TIERS: 0.50% $25k+
0.04%$100-IRA Savings
0.03%$100-Business Savings
0.01%$100-Regular Savings

UNCLE Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.23%*$100k*-Money Market
OTHER TIERS: 0.02% $2.5k - $10k | 0.03% $10k - $25k | 0.04% $25k - $50k | 0.81% $50k - $100k
1.23%*$100k*-Business Money Market
OTHER TIERS: 0.06% $2.5k - $50k | 0.81% $50k - $100k

UNCLE Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
6.00%*-$25kKasasa Cash
OTHER TIERS: 0.50% $25k+
0.03%--Business Premier Checking

UNCLE Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.38%$5k-12 Month Variable CD
5.38%$5k-Business 12 Month Variable CD
3.67%$1.5k-6 Month CD
3.67%$100-6 Month Youth CD
3.67%$1.5k-Business 6 Month CD
3.58%$1.5k-3 Month CD
3.58%$100-3 Month Youth CD
3.58%$1.5k-Business 3 Month CD
3.24%$1.5k-12 Month CD
3.24%$100-12 Month Youth CD
3.24%$1.5k-Business 12 Month CD
3.20%$5k-24 Month CD
3.20%$5k-Business 24 Month CD
3.16%$5k-18 Month CD
3.16%$100-18 Month Youth CD
3.16%$5k-Business 18 Month CD
2.80%$5k-36 Month CD
2.80%$5k-Business 36 Month CD
2.66%$5k-60 Month CD
2.66%$5k-Business 60 Month CD
2.57%$5k-48 Month CD
2.57%$5k-Business 48 Month CD

UNCLE Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.38%$5k-12 Month Variable IRA
3.67%$1.5k-6 Month IRA
3.58%$1.5k-3 Month IRA
3.24%$1.5k-12 Month IRA
3.20%$5k-24 Month IRA
3.16%$5k-18 Month IRA
2.80%$5k-36 Month IRA
2.66%$5k-60 Month IRA
2.57%$5k-48 Month IRA
Locations


UNCLE Credit Union Locations
Branch Office1829 W 11th StTRACY, CA 95376
Branch Office2100 LAS POSITAS CTLIVERMORE, CA 94551-7301
Branch Office7000 East Ave Bldg 6425LIVERMORE, CA 94550-9698
Branch Office1987 Santa Rita Rd Ste APLEASANTON, CA 94566-4748
Branch Office5757 Pacific Ave Ste 120Stockton, CA 95207-5146

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