1st United Credit Union Castro Valley CA | Best Auto Loans & Checking Accounts

Introduction

Welcome to 1st United, your trusted financial partner since 1932. Located conveniently at 3365 Castro Valley Blvd, Castro Valley, CA 94546, we are committed to serving our community with dedication and integrity. With a robust membership of over 60,000 individuals, we pride ourselves on providing personalized banking solutions that cater to your unique needs. At 1st United, our total assets amount to an impressive $1,202,659,236, reflecting our strength and stability. We offer a range of financial services, including auto loans and personal banking options, designed to help you achieve your financial goals. Our members can also enjoy the peace of mind that comes with knowing their deposits are secure; we currently hold total deposits of $105,480,211. We understand that every member has different financial needs. Whether you're looking for a new car or planning for the future with mortgage options, our team is here to guide you through it all. With a dedicated staff of 176 employees, led by CEO Stephen Stone and Board President Dave Macdonald, we aim to create a welcoming environment where everyone feels valued. While members can visit us at our branch location, official correspondence should be sent to our mailing address: P.O. Box 11746, Pleasanton, CA 94588. Join us today and discover how we can support your financial journey. Feel free to reach out at 800-649-0193 or explore our website at 1st United for more information about our services and offerings. We look forward to serving you!

Branch History & Mission

Community Commitment

Our commitment goes beyond banking; it extends into the heart of Castro Valley. We actively engage in community outreach efforts and partnerships that uplift local initiatives and support those in need. By focusing on helping others achieve their dreams be it homeownership or starting a business we reinforce our belief that together we can create a stronger future. As we look forward to continuing this journey, we invite you to become part of the 1st United family. Join us today and experience how we can help you reach your financial goals while being an integral part of your community. For any inquiries or assistance, feel free to contact us at 800-649-0193 or visit us online at 1stunitedcu.org. Together, let's build a brighter tomorrow!

Our Journey

From humble beginnings, 1st United has evolved into a trusted financial partner for countless individuals and families. The credit union was founded on principles of mutual support and community empowerment. Over the years, we have expanded our offerings while remaining true to our mission of providing accessible financial services to all members. Our journey has included numerous milestones that reflect our commitment to innovation and service. We understand that today's world demands not only traditional banking services but also modern solutions. This is why we've embraced digital advancements such as online banking, mobile payments, and e-statements all designed to make managing finances easier for you.

Our Mission

At 1st United, our mission is clear: to enhance the financial well-being of our members while fostering strong community ties. We offer a range of services including checking and savings accounts, auto loans, mortgage financing, personal loans, credit cards with rewards, and business banking options. We believe in more than just transactions; we strive to build lasting relationships with those we serve. While members can visit us at 3365 Castro Valley Blvd, official correspondence should be sent to our mailing address: P.O. Box 11746, Pleasanton, CA 94588. Our doors are open during the week from 9:00 AM to 5:00 PM and on Saturdays from 9:00 AM to 1:00 PM, ensuring that you have access to the services you need when you need them.

Branch Location & Accessibility

Convenient Access and Features

Finding us is a breeze! With ample parking available, you won't have to worry about where to leave your car while you take care of business. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and entrances to ensure everyone can visit us comfortably.

Get in Touch!

Have questions? We're here for you! Give us a call at 800-649-0193 or come on by the branch. The team at 1st United looks forward to welcoming you and helping you with all your banking needs!

Operating Hours That Fit Your Schedule

We understand that life gets busy, which is why our lobby hours are tailored to meet your needs. You can visit us Monday through Friday from 9:00 AM to 5:00 PM and on Saturdays from 9:00 AM to 1:00 PM. We want to make sure that you have plenty of opportunities to stop by whenever it's convenient for you.

Services Offered

At the 1st United Castro Valley Branch, we offer a range of services designed to help you achieve your financial goals. From personal banking accounts and auto loans to mortgage refinancing and credit cards with rewards, we have something for everyone. Plus, enjoy easy access to ATMs for quick cash withdrawals and balance checks any time you need it. While members can visit us at 3365 Castro Valley Blvd, official correspondence should be sent to our mailing address: P.O. Box 11746, Pleasanton, CA 94588.

Member Eligibility

At 1st United, we believe that everyone deserves the chance to be part of a welcoming community that supports their financial journey. Becoming a member is easy and rewarding! If you're a resident of Alameda County or related to someone who is, you're likely eligible to join us. We also open our doors to employees of select organizations, which means many people can take advantage of our services. For those looking for more detailed criteria, feel free to check out our eligibility page at . Joining 1st United not only provides you with access to a wide range of financial products and services but also connects you with a team that's genuinely invested in your success. Ready to take the next step? Opening an account is straightforward just visit us online at http://www.1stUnitedcu.org/apply or give us a call at (800) 649-0193. We're here to help you every step of the way as you embark on this exciting journey!

Business Banking & Commercial Services

Lending Solutions Tailored for You

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. For those outside our membership, 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.

Merchant Services That Make Transactions Easy

In addition to loans, our merchant services help streamline your payment processes, making it easier for customers to purchase your products or services. Imagine a busy Saturday at your shop customers flowing in, making purchases effortlessly with card transactions while you focus on delivering excellent service. Our tools ensure that you can manage your sales efficiently, giving you more time to grow your business. Discover how 1st United, located at 3365 Castro Valley Blvd Castro Valley Ca 94546 in Castro Valley, CA, can partner with you on your journey to success. Contact us today at (800) 649-0193 to learn more about how we can assist your business needs!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM services allow for easy withdrawals and balance checks without hassle. You'll find an ATM conveniently available at our branch so that accessing funds is never a chore. At 1st United, we pride ourselves on being more than just a financial institution; we are a community partner dedicated to enhancing the lives of our members through comprehensive financial solutions. If you'd like to learn more about any of our services or have specific questions, feel free to give us a call at 800-649-0193 or visit us online at 1st United. Let us help you achieve your financial goals today!

Auto Loans & Vehicle Financing

Looking to buy a new car? Our auto loans and vehicle financing options are tailored just for you. With competitive rates, we make it easy for you to drive off the lot in your new vehicle without breaking the bank. Picture yourself cruising in your new ride while enjoying manageable monthly payments.

Business Banking Services

We don't forget about local businesses! Our business banking services include merchant services and business loans designed to help entrepreneurs thrive. If you're running a small business in Castro Valley, think about how easy it will be to manage payroll or secure funding for expansion with our support.

Credit Cards with Rewards

Our credit cards come with rewards programs that let you earn points on every purchase. Whether you're treating yourself or covering everyday expenses, imagine earning rewards that lead to travel discounts or cashback just by using your card wisely.

Mortgage Loans & Refinancing

If owning a home is part of your plan, our mortgage loans can help turn that dream into reality. We also offer refinancing options if you're looking to reduce your monthly payments or tap into your home's equity. Imagine lowering your interest rate and freeing up cash for other expenses it's all possible with our mortgage solutions.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking platforms. You can check balances, transfer funds, and even make payments right from your smartphone anytime and anywhere.

Personal Banking Solutions

When it comes to personal banking, we offer a variety of checking and savings accounts designed to help you save and manage your money. Imagine being able to set up automatic transfers from your checking account to your savings account each month. This way, saving for that dream vacation or emergency fund becomes effortless.

Personal Loans & Debt Consolidation

For those times when life throws unexpected expenses your way, our personal loans can provide quick access to cash. Additionally, if you're managing multiple debts, our debt consolidation services can simplify your payments and potentially lower your interest rates.

Digital & Online Banking

Key Features

One of the standout features of our online banking is electronic signature authorization. This allows you to sign documents securely without needing to visit a branch in person. Plus, with e-statements available, you'll receive your account statements electronically, making it easy to keep track of your finances while helping the environment. For those who prefer banking on their mobile devices, our mobile application is designed with you in mind. You can enjoy features like mobile payments, which let you make purchases directly from your smartphone no wallet needed! Additionally, our person-to-person transfer option makes sending money to friends and family a breeze.

Security and Accessibility

Security is a top priority for us at 1st United. We use advanced security measures to protect your personal information while ensuring that all transactions are safe and secure. With real-time account management available through both our online and mobile platforms, you have complete control over your finances right at your fingertips. In short, whether you're accessing your accounts through our website or using our mobile app, 1st United offers everything you need for easy and secure banking. Experience the convenience today!

Financial Strength

At 1st United, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. 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 1133 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. With $129,764,720 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $9,284 in used auto loans and an impressive total of $851,181,396 in loans and leases. Our net income of $5,717,979 reflects our operational efficiency. This success enables 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 ready to serve you with a knowledgeable and committed team. Total Share Accounts stand at 115386, showing a strong and growing member base that trusts us with their finances. 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 3365 Castro Valley Blvd Castro Valley Ca 94546 or call 800-649-0193 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Loan Offering

Additional Options

For those who are considering different financing routes, we encourage you to explore our refinancing options as well. We aim to provide solutions tailored to your specific situation. If you're interested in learning more about eligibility or applying for a loan, please feel free to reach out at (800) 649-0193 or visit us at 3365 Castro Valley Blvd Castro Valley Ca 94546 in Castro Valley, CA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At 1st United, we're here to support your financial journey every step of the way!

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 eyeing a sleek sedan or a sturdy SUV, we have options that fit your budget.

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 believe that owning a home should be accessible, and our team is here to guide you through every step of the process.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why 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. With our credit cards, you can enjoy rewards while keeping your spending under control.

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Real-Time Rate Comparisons

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1St United