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United Local Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.unitedlocal.org
559-227-8329
3650 E Ashlan Ave
Fresno, CA 93726

United Local Credit Union is headquartered in Fresno and is the 142nd largest credit union in the state of California. It is also the 1,651st largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 24 employees and 8,135 members at 2 locations. United Local Credit Union has an A health rating.

Field of Membership Restrictions

Membership to United Local Credit Union is open to those who worship, live or work in Merced or Fresno Counties. Additionally, members of any local union in affiliation with the the Central Labor Council and Retail Clerks from the counties of Madera, Mariposa, Merced, Fresnom, Kings or Tulare are also eligible to join.
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #60408
Year Chartered1953
Employees24
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD3.66%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$123.1MM$126.1MM
LoansQ1 2025vs Q1 2024$76.8MM$80.7MM
DepositsQ1 2025vs Q1 2024$98.9MM$103MM
Equity CapitalQ1 2025vs Q1 2024$23.2MM$21.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$876K$1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$216K$140K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not United Local 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.

United Local Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$0-Christmas Club
0.05%*$5k*-Primary Saving
OTHER TIERS: 0.03% → $2k - $5k
0.05%*$5k*-Secondary Saving
OTHER TIERS: 0.03% → $2k - $5k

United Local Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2.5k-Money Market Shares

United Local Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100k*-24 Month CD
OTHER TIERS: 0.40% → $2k - $10k | 0.55% → $10k - $100k
0.50%*$100k*-18 Month CD
OTHER TIERS: 0.30% → $2k - $10k | 0.45% → $10k - $100k
0.30%*$100k*-12 Month CD
OTHER TIERS: 0.20% → $2k - $10k | 0.25% → $10k - $100k
0.20%*$100k*-6 Month CD
OTHER TIERS: 0.10% → $2k - $10k | 0.15% → $10k - $100k

United Local Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100k*-24 Month IRA
OTHER TIERS: 0.40% → $2k - $10k | 0.55% → $10k - $100k
0.50%*$100k*-18 Month IRA
OTHER TIERS: 0.30% → $2k - $10k | 0.45% → $10k - $100k
0.39%*$10k*-IRA Savings
OTHER TIERS: 0.29% → $1 - $10k
0.30%*$100k*-12 Month IRA
OTHER TIERS: 0.20% → $2k - $10k | 0.25% → $10k - $100k
0.20%*$100k*-6 Month IRA
OTHER TIERS: 0.10% → $2k - $10k | 0.15% → $10k - $100k
Locations


United Local Credit Union Locations
Branch Office3650 E Ashlan AveFresno, CA 93726
Branch Office2033 W Bullard AveFresno, CA 93711-1200

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