1st United Credit Union Hayward CA | Best Auto Loans & Business Banking

Introduction

At 1st United, we understand that financial needs are as unique as the individuals who have them. Located at 109 Review Way, Hayward, CA 94544, our Hayward Branch has been serving our community since 1932. With a commitment to providing exceptional service and tailored solutions, we proudly support over 60,000 members in achieving their financial goals. As of now, our total assets stand strong at an impressive $1,202,659,236, while our total deposits reach $105,480,211. We are dedicated to ensuring your funds are not only secure but also grow with us. Whether you're looking for auto loans or personal banking services, we offer a wide range of options that cater to every need. Led by our experienced CEO, Stephen Stone, and Board President, Dave Macdonald, our team of 176 employees is here to assist you in every step of your financial journey. Our commitment to the community is reflected not just in numbers but in the relationships we build with each member. While members can visit us at our branch location for face-to-face interactions, official correspondence should be directed to our mailing address: P.O. Box 11746, Pleasanton, CA 94588-1746. We invite you to explore how we can help make your financial dreams a reality. Visit us online at 1st United or call us at 800-649-0193 during our lobby hours from Monday to Friday, 9:00 AM - 5:00 PM. Join us today and become part of a community that truly cares!

Branch History & Mission

Join Us

At 1st United, every member is valued as part of our family. We invite you to join us and discover how we can help you achieve your financial goals. Experience the benefits of being part of a credit union that truly cares about its members and invests in their future. For more information or to open an account today, please call us at 800-649-0193 or visit our website. Together, let's build a brighter financial future!

Modern Banking Solutions

In addition to traditional banking services, we have embraced modern technology to enhance your banking experience. Members can enjoy features like online banking, mobile payments, and e-statements for added convenience. Our commitment to ADA compliance ensures that all members can access our services without barriers. For those who prefer face-to-face interactions, our branch operates Monday through Friday from 9:00 AM to 5:00 PM. Although we currently do not offer drive-thru services or shared service centers at this location, we do provide ATM availability for quick access to cash. While members can visit us at 109 Review Way, official correspondence should be sent to P.O. Box 11746, Pleasanton, CA 94588-1746.

Our Mission

The mission of 1st United is simple yet profound: we strive to empower our members through personalized financial solutions that foster growth and security. We believe that everyone deserves access to quality financial services regardless of their background. That's why we offer a range of products including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards all designed with our members' best interests at heart. We also recognize the importance of community support. Over the years, we have partnered with local organizations to enhance educational programs and promote financial literacy within our neighborhoods. Whether it's hosting workshops or participating in community events, we aim to make a positive impact where it matters most.

Branch Location & Accessibility

Call to Action

We invite you to come visit us at the Hayward Branch! Feel free to call us at 800-649-0193 if you have any questions or need assistance before your visit. At 1st United, we look forward to serving you with a smile and helping you achieve your financial goals!

Nearby Landmarks and Accessibility

Located in Alameda County, our branch is close to several local landmarks that make it easy to find us. If you're near the Hayward Public Library or the popular Southland Mall, you're just a short drive away from our welcoming doors. We offer ample parking for our visitors and have made sure our branch is accessible for everyone with features like ADA-compliant entrances and ramps.

Operating Hours and Services

We understand that life gets busy, which is why we keep our doors open for you Monday through Friday from 9:00 AM to 5:00 PM. Our dedicated staff is here to assist you with everything from personal banking and auto loans to mortgage refinancing and business banking services. And for those who prefer self-service options, we have an ATM available for cash withdrawals and balance checks right at our location.

Member Eligibility

At 1st United, we believe that everyone deserves a chance to thrive in a supportive financial community. Joining us as a member is easy and welcoming! If you live, work, or worship in the area, you are likely eligible to become part of our family. We take pride in offering personalized services tailored to your needs, making it easier for you to achieve your financial goals. For the most detailed information about eligibility criteria, we invite you to visit our website at . Opening an account with 1st United is a straightforward process that you can start online by visiting http://www.1stUnitedcu.org/apply. If you have any questions or need assistance along the way, feel free to reach out to us at (800) 649-0193. We're here to help you every step of the way! Come and experience the benefits of being part of our community at 109 Review Way Hayward Ca 94544.

Business Banking & Commercial Services

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. - 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

Additionally, our merchant services simplify payment processing for your business. Whether you're running a brick-and-mortar shop or an online store, we provide efficient payment solutions that ensure you get paid quickly and securely. This allows you to focus on what matters most growing your business. Located at 109 Review Way Hayward Ca 94544 in Hayward, CA, we're ready to partner with you on your business journey. Reach out today at (800) 649-0193 to learn how we can help you thrive!

Comprehensive List Of Services

Accessibility and Support

Our branch hours are Monday through Friday from 9:00 AM to 5:00 PM, ensuring that we're available when you need us most. Feel free to reach out at (800) 649-0193 if you have questions or need assistance with any of our services. At 1st United, we are dedicated to being more than just a financial institution; we strive to be your trusted partner in achieving financial success. We invite you to explore all our offerings and see how we can help you reach your goals. Don't hesitate visit us today at 109 Review Way Hayward Ca 94544 or check out our website at Hayward Branch for more information! Your financial future starts here!

Business Banking Services

For our business members, we offer Business Banking services that include Merchant Services and Business Loans to help your venture thrive. We know that every business is unique, so we take the time to understand your goals and provide solutions that fit.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we've made banking easier than ever with our Online & Mobile Banking platforms. You can manage your accounts anytime and anywhere from the comfort of your phone or computer. Need cash? Our ATM & Cash Withdrawal Services give you quick access to funds, whether it's for daily expenses or an emergency.

Personal Banking Solutions

We offer various personal banking options to help you save and manage your money effectively. You can choose from our Checking & Savings Accounts designed for everyday use or long-term savings. If you're thinking about purchasing a new vehicle, our Auto Loans & Vehicle Financing options make it easy and affordable. We also provide Mortgage Loans & Refinancing solutions, which can help you secure a comfortable home or lower your monthly payments on your current mortgage. If you're looking to consolidate debt or need some extra cash for unexpected expenses, our Personal Loans & Debt Consolidation services are here for you. And let's not forget about our Credit Cards with Rewards, which allow you to earn benefits while making purchases.

Digital & Online Banking

Key Features

One of the standout features is our electronic signature authorization. This means you can complete transactions securely without needing to visit us in person. Plus, with e-statements available, you'll receive your account statements electronically, making it easier to track your finances while being environmentally friendly. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Just a few taps on your mobile device, and you're done! And if you're looking for an easy way to make payments, our mobile payments feature supports various options so you can pay with confidence wherever you are. With 24/7 online banking services, managing your accounts has never been more accessible. Whether it's day or night, you have real-time access to your financial information. We're here to help you stay in control of your money safely and efficiently. Experience the ease of digital banking at 1st United today! With our commitment to security and convenience, managing your finances has never been easier.

Financial Strength

Growing Member Trust

Total Share and Deposit Accounts: 115,386, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $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 109 Review Way Hayward Ca 94544 or call (800) 649-0193 to learn more about how we can help you achieve your financial goals.

Investing in Your 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 supports members' financial goals across various sectors with $9,284 in used auto loans and $851,181,396 in total loans and leases.

Operational Efficiency

Our 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.

Secure 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.

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We currently have 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 buying a brand-new model or a pre-owned vehicle, our flexible terms can make the process smoother for you.

Credit Lines and More

In addition to these offerings, we have substantial resources available with total credit lines amounting to $463,628,804. This allows us to cater to diverse borrowing needs across various sectors. For any questions regarding eligibility or how to apply for one of our loan products, feel free to reach out at 800-649-0193. Our team is here Monday through Friday from 9:00 AM to 5:00 PM to assist you. 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 in Hayward, CA, we are dedicated to providing our members with reliable financial solutions that fit their unique needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $137,471,784, making buying or refinancing simple. We also provide various refinancing options to help you secure better rates or adjust your loan terms based on your current situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $41,773,272 in unsecured credit card loans helping members manage their finances effectively, you can enjoy the freedom of spending without tying up your assets as collateral.

Loan Aggregator

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 users receive fair and transparent offers when searching for loans. Each comparison is based on verified information, allowing you to trust the data behind your choices.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: You will find up-to-date loan rates from multiple institutions, helping you make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the effectiveness of our tool in delivering value to those seeking financial options. Take control of your borrowing journey today. Compare real-time loan offers at LendMesh and find the best rates tailored to your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

1St United