1st United Credit Union Fremont CA | Affordable Auto Loans & Personal Banking

Introduction

Welcome to 1st United at the Fremont Central Branch, your trusted partner in achieving financial well-being since 1932. Located at 2710 Mowry Ave, Fremont, CA 94538, we pride ourselves on being more than just a credit union; we're a community-focused institution dedicated to serving our 60,144 members with care and commitment. At 1st United, we understand that your financial journey is unique. That's why we offer a wide range of services tailored to meet your needs from checking and savings accounts to auto loans and mortgage refinancing. With total assets exceeding $1.2 billion and deposits amounting to $105,480,211, our solid financial foundation ensures that your money is safe and growing. Under the leadership of CEO Stephen Stone and Board President Dave Macdonald, our team of 176 employees is here to assist you every step of the way. We take pride in our ability to provide personalized service while maintaining a strong commitment to the community we serve. Our goal is to make banking as easy and accessible as possible. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 11746, Pleasanton, CA 94588. We invite you to explore our services and discover how we can support your financial goals. Whether you have questions or are ready to open an account, don't hesitate to reach out! Call us at 800-649-0193 or visit our website at 1st United for more information. Let's build a brighter financial future together!

Branch History & Mission

Join Us

With operating hours from Monday through Friday, 9 AM - 5 PM and Saturday from 9 AM - 1 PM, we're here when you need us. Contact us today at 800-649-0193 or visit us online at 1st United to discover how we can help you achieve your financial goals. Experience the difference that comes with being a member of a credit union dedicated to your success!

Our Journey

Located at 2710 Mowry Ave, our branch has witnessed significant milestones that reflect not just our growth but also our dedication to the community. With total assets now exceeding $1.2 billion, we have become a reliable source for personal banking, auto loans, mortgages, and business services. Throughout our journey, we have embraced innovation, introducing digital solutions like online banking and mobile payments to meet the evolving needs of our members. As a member-focused credit union, we pride ourselves on offering more than just financial products. We aim to empower our members by providing them with the tools they need for financial success. Whether you are looking for checking accounts, savings options, or loans tailored to your unique circumstances, we are here to guide you every step of the way.

Our Mission

At 1st United, our mission is straightforward: to provide quality financial services that enhance the lives of our members and support the communities we serve. This means not only offering competitive rates and convenient access through ATMs but also engaging in community outreach initiatives that make a real difference. We believe in being more than just a bank; we want to be a cornerstone of support for families and businesses in Fremont. Our commitment extends beyond transactions we actively participate in local events and partner with organizations dedicated to uplifting our community. While members can visit us at 2710 Mowry Ave Fremont Ca 94538, official correspondence should be sent to PO Box 11746 in Pleasanton if needed. We encourage you to explore how you can benefit from becoming part of our family at 1st United.

Branch Location & Accessibility

Connect With Us

Have questions or need assistance? Feel free to give us a call at 800-649-0193. We're always happy to help! Visit us today at the 1st United Fremont Central Branch and discover how we can support your financial journey.

Operating Hours

Our doors are open from Monday through Friday, from 9:00 AM to 5:00 PM, and on Saturday from 9:00 AM to 1:00 PM. This schedule is designed to accommodate your busy lifestyle, allowing you to stop by at a time that works best for you.

Parking and Accessibility

At our branch, you'll find ample parking available, ensuring a hassle-free experience when you visit. We are committed to accessibility and have features in place to assist all members, including ADA-compliant ramps and entrances. Your convenience matters to us!

Services Offered

The 1st United Fremont Central Branch offers a variety of services tailored to meet your financial needs. From checking and savings accounts to mortgage loans and vehicle financing, we provide solutions that fit your life. Plus, with ATM access right here at the branch, cash withdrawals are quick and convenient. For any correspondence that needs to be sent via mail, please note our mailing address is PO Box 11746, Pleasanton, CA 94588.

Member Eligibility

At 1st United, we believe that everyone deserves a place to belong, and becoming a member is your first step into our welcoming community. If you live, work, or worship in the Fremont area, you're likely eligible to join us! We are dedicated to serving individuals who seek a supportive financial partner in their journey. Our members enjoy benefits like lower loan rates, personalized service, and access to a variety of financial products tailored just for you. Joining is easy! You can start the process by visiting us at 2710 Mowry Ave Fremont Ca 94538 or give us a call at (800) 649-0193 for more information. For detailed eligibility criteria and to ensure you're on the right track, check out our website here: . Ready to take the next step? Open your account online anytime by visiting http://www.1stUnitedcu.org/apply. We can't wait to welcome you as part of our 1st United family!

Business Banking & Commercial Services

Commercial Loans for Growth

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.

Merchant Services That Work for You

In addition to loans, we provide essential merchant services that simplify payment processing for your business. Imagine being able to accept credit and debit card payments easily, enabling your customers to pay how they prefer. Our services ensure that you can focus on what you do best running your business while we handle the financial transactions smoothly. Visit us at 2710 Mowry Ave Fremont Ca 94538 in Fremont, CA, or call us at (800) 649-0193 to learn more about how our business banking and commercial services can support your success!

Comprehensive List Of Services

Business Banking Services

For our small business members, we offer comprehensive Business Banking solutions including merchant services and business loans. Your business deserves the best support available, whether you're just starting out or looking to expand.

Convenient Access and Support

At 1st United, we prioritize convenience with features like ATM & Cash Withdrawal Services available at numerous locations. Our basic ATM access allows for easy withdrawals and balance checks whenever you need them. With extended hours from Monday to Saturday (including Saturdays from 9:00 AM - 1:00 PM), we're here when you need us most. For any inquiries or assistance, don't hesitate to reach out at 800-649-0193. We invite you to explore all these services and more at our Fremont Central Branch. Join us today and take control of your financial future! To get started with opening an account or applying for a loan, visit us online at 1st United.

Credit Cards That Reward You

Our Credit Cards with Rewards program allows you to earn points on every purchase you make. These points can be redeemed for various rewards, making everyday spending more rewarding! Imagine using your card for groceries and earning points towards your next vacation.

Flexible Loan Options

In addition to auto and mortgage loans, we also provide Personal Loans & Debt Consolidation services. Life can throw unexpected expenses your way whether it's medical bills or home repairs and having access to personal loans can help ease that burden. Our debt consolidation options can assist you in combining multiple debts into one manageable payment.

Home Financing Made Easy

If homeownership is on your radar, look no further than our Mortgage Loans & Refinancing services. We understand that buying a home is one of the biggest financial decisions you'll make. That's why our team is here to help guide you through every step of the mortgage process. Plus, if you're already a homeowner looking to refinance, we offer tailored solutions that can save you money over time.

Personal Banking Solutions

One of the core offerings at 1st United includes Personal Banking services like checking and savings accounts. These accounts are ideal for individuals looking to manage their finances easily. Imagine having a checking account that allows you to access your funds anytime through our online and mobile banking platforms. You can check your balance, transfer money, and even deposit checks right from your phone. For those considering purchasing a vehicle, our Auto Loans & Vehicle Financing options make it simple and straightforward. Whether you're buying new or used, we offer competitive rates that can fit any budget. Picture driving off in your new car without the stress of complicated financing processes.

Digital & Online Banking

Key Features

One standout feature is our mobile application, which allows you to manage your accounts right from your smartphone. You can also enjoy the benefits of mobile payments, making it simple to pay for goods and services without needing cash or cards. Plus, if you ever need to send money to friends or family, our person-to-person transfers make it easy and quick. For added convenience, we offer electronic signature authorization so you can complete transactions without needing to visit a branch. And with e-statements available, you can easily access your account statements online instead of dealing with paper clutter.

Security and Ease of Use

We prioritize your security with robust measures that keep your information safe while providing a user-friendly experience. You can feel confident knowing that managing your money online is not only convenient but also secure. With 1st United's digital banking tools, you gain real-time access to your finances from the comfort of your home or on the go. Take advantage of these features today and experience how easy banking can be!

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. We are committed to maintaining strong financial health to serve you better, and our numbers reflect that commitment. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; we have provided $9,284 in used auto loans and have a total of $851,181,396 in loans and leases, supporting your financial goals across various sectors. Our operational efficiency shines through with a net income of $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 and committed team. Net Shares (Funds available for lending and investments): $0. Total Share Accounts: 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 2710 Mowry Ave Fremont Ca 94538 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 provide some of the lowest rates in the industry. We have already issued over $170,856,650 in used vehicle loans and $139,681,098 in new vehicle loans to help our members get on the road. Whether you're interested in financing a new ride or purchasing a reliable used vehicle, we have options that can fit your budget.

Credit Lines

For those looking for additional financial flexibility, our credit lines totaling $463,628,804 can provide the support you need. Whether it's for emergencies or planned expenses, having access to credit gives you peace of mind. At 1st United, we also understand that refinancing can be beneficial for many borrowers. If you're considering refinancing any existing loans or want more information on eligibility options, don't hesitate to reach out. For personalized assistance and to explore which loan option suits your needs best, call us at 800-649-0193 during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial journey is important to us; let us help you take the next step!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $137,471,784. With competitive rates and personalized service, we aim to make your dream of owning a home a reality.

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 these loans already helping members manage their finances effectively, you can enjoy the convenience of cashless transactions while keeping your budget in check.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 ensures that all offers are fair and transparent, giving users peace of mind when exploring their financing options.

1St United