1st United Credit Union Alameda CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to 1st United, your trusted financial partner located at 2680 5th St Ste A, Alameda, CA 94501. Since our establishment in 1932, we have proudly served our community with a commitment to providing exceptional banking solutions tailored to your needs. With over 60,000 members and total assets reaching an impressive $1,202,659,236, we are dedicated to helping you achieve your financial goals. At 1st United, we understand that every member's journey is unique. That's why we offer a variety of services including personal banking, auto loans, mortgage financing, and credit cards with rewards. Our total deposits of $105,480,211 reflect the trust our members place in us. Our CEO, Stephen Stone, along with Board President Dave Macdonald, lead a team of 176 employees who are here to support you every step of the way. Whether you're looking for assistance with loans where we have issued a total of 36,623 or exploring our online and mobile banking options, we're here to make your banking experience smooth and accessible. You can visit us during our lobby hours from Monday to Friday between 9:00 AM and 5:00 PM or on Saturday from 9:00 AM to 1:00 PM. While members can visit us at 2680 5th St Ste A, official correspondence should be sent to our mailing address: P.O. Box 11746, Pleasanton, CA 94588. If you have questions or need assistance, don't hesitate to reach out at 800-649-0193 or explore more about what we offer by visiting our website at 1st United. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

Welcome to the 1st United Alameda Branch, a pillar of our community since its establishment in 1932. Over the years, we have grown from a small credit union into a trusted financial partner for over 60,000 members, all while fostering a deep sense of belonging and support within Alameda, CA. Our branch is conveniently located at 2680 5th St Ste A, Alameda, CA 94501, making it easily accessible to everyone in the area. The journey of 1st United began with a simple mission: to provide affordable and accessible financial services to our members. Today, we proudly manage assets totaling over $1.2 billion, which reflects our commitment to helping our members achieve their financial goals. As we continue to grow, we remain dedicated to our core values of integrity, community support, and member service. Our mission is more than just numbers; it's about making a real impact in the lives of those we serve. We aim to empower individuals and families with tools and resources that foster financial well-being. From personal banking options like checking and savings accounts to auto loans and mortgages, we strive to offer services tailored to meet diverse needs. We also provide online and mobile banking solutions for added convenience, ensuring that our members can manage their finances anytime and anywhere. While members can visit us at 2680 5th St Ste A, official correspondence should be sent to P.O. Box 11746, Pleasanton, CA 94588. Our operating hours are Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM, so you can reach out when it's most convenient for you. At the heart of our operations is a commitment to community outreach. We actively participate in local events and initiatives that uplift residents and strengthen connections among neighbors. Our partnerships with local organizations allow us to extend our impact beyond traditional banking services. As technology advances, we stay ahead by embracing digital solutions while maintaining compliance with ADA standards. Our aim is always customer-centric; we want every interaction whether in person or online to be positive and fulfilling. Join us at 1st United Alameda Branch as we continue this legacy of service. Together, let's build a brighter financial future for ourselves and our community. If you're interested in becoming part of our family or learning more about what we offer, please visit us or call us at 800-649-0193 today!

Branch Location & Accessibility

Convenient Access and Amenities

Finding us is simple! We offer ample parking right outside our doors, ensuring that you can easily visit us without any hassle. Our branch is fully ADA compliant, featuring ramps and accessible entrances to ensure everyone can access our services comfortably. Our lobby hours are tailored to fit your busy schedule: we're open Monday through Friday from 9:00 AM to 5:00 PM and on Saturdays from 9:00 AM to 1:00 PM. So whether you need to stop by during your lunch break or on the weekend, we're here for you.

Get in Touch!

If you have any questions or need assistance, feel free to give us a call at (800) 649-0193. Our friendly team is always ready to help you navigate your financial journey. Come visit us today and discover how 1st United can support you in achieving your financial goals!

Services Tailored for You

At the 1st United Alameda Branch, we strive to meet all your banking needs. We offer a variety of personal banking services including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. For those who prefer digital banking, our online and mobile banking options make managing your finances easier than ever. Plus, with ATM availability on-site, you can withdraw cash or check balances at your convenience. While members can visit us at 2680 5Th St Ste A Alameda Ca 94501, official correspondence should be sent to P.O. Box 11746 in Pleasanton, CA if needed.

Member Eligibility

At 1st United, we believe that everyone deserves a chance to be part of our welcoming community. Becoming a member is easy and open to those who live, work, or worship in the area around us. Whether you're looking for personal banking options, loans, or just a friendly place to manage your finances, you'll find what you need here. If you're interested in joining us, we invite you to check out the detailed eligibility criteria on our website at . Once you're ready, opening an account is straightforward just visit us online at http://www.1stUnitedcu.org/apply or give us a call at (800) 649-0193 for assistance. We can't wait to welcome you to our family at 1st United, located at 2680 5Th St Ste A Alameda Ca 94501, where your financial goals are our priority!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, our merchant services make transactions smooth and hassle-free. Imagine being able to accept payments quickly from your customers without any fuss. This not only enhances customer satisfaction but also streamlines your operations, allowing you to focus on what matters most growing your business. Visit us at 2680 5Th St Ste A Alameda Ca 94501 in Alameda, CA or call us at (800) 649-0193 to learn more about how we can help your business thrive!

Tailored Loan Solutions

Imagine securing funding that helps turn your vision into reality. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

If you're an entrepreneur or business owner, our business banking services will meet your needs too. From merchant services that make transactions easier for your customers to business loans designed to help expand your operations, we have tools to support your growth.

Convenient Access

At 1st United, convenience is key. With access to an ATM for cash withdrawals and balance checks right at our location, as well as features like person-to-person payments through our online platform, managing your finances has never been simpler. Our friendly staff is available during lobby hours from Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM to assist you with any questions. In conclusion, whether you're looking for personal banking solutions or business services, 1st United has everything you need under one roof. We invite you to visit us or contact us at 800-649-0193 for more information about how we can help enhance your financial journey. Let's work together towards achieving your financial goals!

Financing Your Dreams

Looking to purchase a new car? Our auto loans and vehicle financing options are designed to help you get behind the wheel without breaking the bank. Picture yourself cruising in a reliable vehicle with manageable monthly payments tailored to fit your budget. If homeownership is on your mind, our mortgage loans and refinancing options can make that dream a reality. We understand that buying a home is a significant step, so we offer competitive rates and personalized service to guide you through the process. For those times when life throws unexpected expenses your way, our personal loans and debt consolidation services can help ease the financial burden. Whether it's medical bills or consolidating credit card debt into one manageable payment, we're here to assist you every step of the way.

Personal Banking Solutions

When it comes to personal banking, we offer various accounts that cater to different lifestyles. Our checking and savings accounts provide you with the flexibility to manage your money efficiently. Imagine effortlessly keeping track of your budget while also saving for that dream vacation. With our user-friendly online and mobile banking platforms, accessing your accounts anytime is a breeze.

Rewarding Credit Options

Don't forget about our credit cards with rewards! These cards not only provide purchasing power but also earn you rewards on everyday spending. Imagine collecting points for travel or cash back simply by using your card for regular purchases!

Digital & Online Banking

Key Features

Our commitment to making banking simple doesn't stop there. Enjoy the benefits of e-statements, which allow you to receive your bank statements electronically no more waiting for paper statements in the mail! This not only saves time but also helps reduce clutter. Need to sign documents quickly? Our electronic signature authorization feature makes it easy to complete necessary paperwork without needing to visit a branch. You can sign documents securely from the comfort of your home. For those who are always on the go, our mobile application provides a user-friendly platform to manage your accounts right from your smartphone. Plus, with our mobile payments feature, you can make purchases directly from your phone, making transactions faster and easier than ever.

Staying Connected

Want to send money to a friend or family member? Our person-to-person transfers let you do just that with just a few taps on your screen. It's quick and secure, ensuring that you can help out loved ones when they need it most. In today's fast-paced world, having access to real-time account management tools is essential. At 1st United, we prioritize accessibility and ease of use so that managing your finances is straightforward and stress-free. Embrace the future of banking with us at 1st United where convenience meets security in every transaction.

Financial Strength

Member-Centric Savings Options

Members' savings are secured through $342,335,696 in share certificates and $180,829,864 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $5,717,979 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 164 full-time employees and 12 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $129,764,720 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $9,284 in used auto loans and $851,181,396 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Solid Financial Foundation

With a net worth of $136,387,631, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,133 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Community Trust

Total Share and Deposit Accounts: 115,386, showing a strong and growing member base that trusts us with their finances. This trust translates into net shares (funds available for lending and investments) amounting to $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, 1st United is your trusted partner. Visit us at 2680 5Th St Ste A Alameda Ca 94501 or call (800) 649-0193 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $170,856,650 in used vehicle loans and $139,681,098 in new vehicle loans already helping members get on the road. Whether you're looking for a brand-new model or a reliable pre-owned vehicle, we have flexible financing options tailored just for you.

Credit Lines and Personal Financing

For those needing extra flexibility, our total credit lines amount to $463,628,804. This product allows you to borrow what you need when you need it, offering peace of mind for unexpected expenses or planned purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $137,471,784, make buying or refinancing simple. We provide competitive rates and personalized service to ensure your home financing experience is as smooth as possible.

Refinancing Options

If you're looking to lower your monthly payments or consolidate debt, we offer refinancing options across many of our loan products. Check with us about eligibility requirements so you can take advantage of lower interest rates or better terms. To learn more about how our loan offerings can assist you, visit us at 2680 5Th St Ste A Alameda Ca 94501, Alameda, CA, or give us a call at (800) 649-0193. Our friendly staff is here to guide you through the application process and answer any questions you might have. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results, trust that you're making informed decisions with 1st United. We're committed to supporting our members every step of the way!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $41,773,272 in loans helping members manage their finances effectively. Our credit cards come with various rewards and benefits that can enhance your purchasing power while keeping your budget in check.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to sourcing information from reputable institutions guarantees fair and transparent offers for all users.

1St United