1st United Credit Union Berkeley CA | Top Auto Loans & Business Banking

Introduction

Welcome to 1st United, your trusted financial partner located at 2175 Milvia St, Berkeley, CA 94704. Established in 1932, we take pride in serving our community with a commitment to member satisfaction and financial growth. With over 60,000 members and total assets exceeding $1.2 billion, we're here to help you achieve your financial dreams. At 1st United, we understand that every member's journey is unique. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or mortgages, or if you're a business owner in need of merchant services and business loans, our dedicated team is ready to assist you. Under the leadership of our CEO, Stephen Stone, and Board President, Dave Macdonald, we foster an environment where your financial goals can flourish. While members can visit us at our Berkeley branch, official correspondence should be sent to P.O. Box 11746, Pleasanton, CA 94588. Our team is always available to provide support through our phone line at 800-649-0193 during regular hours from 9:00 AM to 5:00 PM on weekdays. With a strong net worth of $136 million and total deposits amounting to $105 million, we are well-equipped to provide competitive rates and personalized service. Our dedication goes beyond numbers; we aim to make a positive impact in our community by being more than just a credit union we're your partner in building a brighter financial future. Explore the array of services we offer at 1st United today! Whether you're ready to open an account or have questions about loans, we're just a call away. Join us as we continue to grow together!

Branch History & Mission

Welcome to the 1st United, a credit union with a rich history and a commitment to serving our community in Berkeley, California. Since our establishment in 1932, we have been dedicated to providing exceptional financial services while fostering a spirit of cooperation and support among our members. Our branch is located at 2175 Milvia St, Berkeley, CA 94704, nestled in a vibrant area that reflects the diverse culture and energy of our city. Over the decades, 1st United has grown from its humble beginnings to become a trusted financial partner for over 60,000 members. With total assets exceeding $1.2 billion, we are proud to offer a wide range of services designed to meet the needs of individuals and families alike. Our mission is simple yet profound: to enhance the financial well-being of our members through personalized service and comprehensive products. At the heart of our mission is a commitment to community support. We believe that when our members succeed, our community thrives. This belief drives us to engage actively with local organizations and initiatives, ensuring that we contribute positively to the lives of those around us. Whether it's through educational programs or financial literacy workshops, we strive to empower our members with the knowledge they need to make informed decisions. Our branch operates Monday through Friday from 9:00 AM to 5:00 PM, providing convenient access to personal banking services such as checking and savings accounts, auto loans, mortgage financing, and more. While you can visit us at our physical location for all your banking needs, any official correspondence should be sent to P.O. Box 11746, Pleasanton, CA 94588. In addition to traditional banking options, we have embraced technology to better serve you. Our digital banking solutions include online banking and mobile payments that allow you to manage your finances on-the-go. We also offer ATM access for quick cash withdrawals and balance checks. As we continue into the future, our focus remains on maintaining strong relationships with our members while adapting to their evolving needs. We invite everyone in Berkeley and beyond to experience the benefits of joining 1st United. Together, let's build a brighter financial future for ourselves and our community. If you're ready to take the next step towards achieving your financial goals or want to learn more about what we offer, visit us at 1st United or call us at 800-649-0193 today!

Branch Location & Accessibility

Get in Touch!

Have questions or want to learn more about what we can offer? Feel free to give us a call at 800-649-0193. We invite you to visit our branch or check out our website at 1st United for more information. We're excited to help you achieve your financial goals!

Nearby Landmarks and Accessibility

Located near the vibrant campus of UC Berkeley, our branch is surrounded by local shops and cafes, making it a perfect stop for your banking needs while enjoying the area. With ample parking available, you can easily visit us without worrying about where to leave your vehicle. Our branch is also equipped with ADA-compliant features to ensure accessibility for everyone.

Operating Hours and Services

We are open Monday through Friday from 9:00 AM to 5:00 PM, offering a range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we provide tailored solutions just for you. While we do not have drive-thru service, our friendly staff is ready to assist you inside. If you're in need of cash, we also offer ATM services right at our location, allowing you quick access to your funds whenever you need them. While members can visit us at 2175 Milvia St, official correspondence should be sent to P.O. Box 11746, Pleasanton, CA 94588.

Member Eligibility

Becoming a member of 1st United is like joining a caring family where your financial well-being is the top priority. If you're wondering whether you can join us, it's quite simple! At 1st United, we welcome individuals who live, work, or worship in our community, which includes anyone in the area around 2175 Milvia St Berkeley Ca 94704. It's our way of ensuring that we support the people who matter most to us. Plus, as a member, you'll enjoy a range of benefits tailored to help you reach your financial goals. Ready to take the next step? Opening an account is easy and straightforward. You can start your journey by visiting us online at http://www.1stUnitedcu.org/apply or give us a call at (800) 649-0193 for any questions you might have. For more detailed eligibility criteria, feel free to check out our website at . We're excited to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Matter

In today's fast-paced market, efficient payment processing is essential for success. Our merchant services offer simple and effective solutions to handle transactions seamlessly. Imagine being able to accept payments easily, whether at your storefront or online, allowing you more time to focus on what you do best running your business. Whether you're looking for a loan or need reliable merchant services, 1st United is here to support your journey every step of the way. Visit us at 2175 Milvia St Berkeley Ca 94704 or give us a call at (800) 649-0193 to learn more about how we can help your business succeed!

Tailored Business Loan Options

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. Additionally, 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

For our business members, we provide specialized services including merchant services and business loans. Running a business comes with its own challenges; let us support you in managing cash flow and making important investments.

Convenient Access

We understand that life can be busy, which is why we also offer ATM and cash withdrawal services across various locations for easy access to your funds. Need quick cash? Our basic ATM access allows for simple withdrawals and balance checks anytime. To learn more about how we can assist you or if you have any questions about our offerings, feel free to reach out at 800-649-0193. We're available Monday through Friday from 9:00 AM to 5:00 PM. Ready to take the next step in securing your financial future? Visit us at 1st United or apply online today!

Credit Options

Don't forget about our credit cards with rewards, perfect for those who want to earn while they spend. Enjoy cashback offers or travel points simply by using your card for everyday purchases.

Home Financing Solutions

Homeownership is within reach with our comprehensive mortgage loans and refinancing services. Our knowledgeable staff can guide you through the process of securing a loan that fits your lifestyle. We understand that buying a home is one of the most significant decisions you'll ever make, and we're committed to making it as straightforward as possible. If you're dealing with debt, our personal loans and debt consolidation services can help ease that burden. We'll work together to create a plan that aligns with your goals and helps you regain control of your finances.

Personal Banking Services

Starting with our personal banking options, we offer various checking and savings accounts designed for convenience and accessibility. You can easily manage your finances with our online and mobile banking platforms that allow you to check balances, transfer funds, and pay bills at your fingertips. Imagine being able to deposit checks from the comfort of your home or while on the go our mobile app makes this possible! When it comes time to make larger purchases, our auto loans and vehicle financing options are here to help you hit the road without financial stress. Whether you're eyeing a new car or a reliable used vehicle, we provide competitive rates to suit every budget.

Digital & Online Banking

Key Features

One of the standout features is our mobile application, which allows you to bank right from your smartphone. Whether you're making person-to-person transfers or setting up electronic payments, everything is just a tap away. You can also enjoy the convenience of mobile payments, making transactions as easy as using your phone. For those who prefer a paperless approach, we provide e-statements that give you quick access to your account statements while helping the environment. Plus, our electronic signature authorization makes signing documents simpler than ever. We prioritize your security with robust measures in place so you can feel confident when banking online. Our user-friendly interface ensures that even those new to digital banking can navigate their accounts effortlessly. With all these features combined, 1st United offers a comprehensive online banking experience tailored to fit the needs of our members. Whether you're at home or out and about, managing your finances has never been easier!

Financial Strength

Growing Community Trust

We have established a strong relationship with our members, as indicated by the 115,386 accounts that show a growing member base trusting us with their finances. Our ability to lend is further supported by net shares available for lending at $0, which strengthens our commitment to help you achieve your financial dreams. 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 2175 Milvia St Berkeley Ca 94704 or call (800) 649-0193 to learn more about how we can help you achieve your financial goals.

Investment in Our Future

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. Our lending capacity is significant; with $9,284 in used auto loans and $851,181,396 in total loans and leases, we support our members' financial goals across various sectors.

Member-Centric Focus

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 strong operational efficiency is reflected in our $5,717,979, 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.

Solid Financial Health

With a net worth of $136,387,631, we maintain robust 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.

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. We provide flexible terms and competitive rates that make it easier for you to drive away in the vehicle you want.

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 offer various mortgage solutions that can fit different budgets and needs. If you're considering refinancing your existing mortgage, ask us about eligibility options that may benefit you.

Personal and Business Loans

If you're in need of personal financing or looking for business support, we have options available that cater to both individuals and business owners. Although we currently do not have outstanding commercial loans available, our team can guide you through alternatives that may suit your business needs. At 1st United, we're committed to providing our members with the tools they need for financial success. For detailed information on each loan product or to explore refinancing options, visit us online at 1st United or call us directly at 800-649-0193. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to supporting you on your financial journey!

Unsecured Credit Cards

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 rewards and are designed to help you build credit while enjoying everyday purchases.

Loan Aggregator

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1St United