1st United Credit Union Livermore CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to 1st United, your trusted partner in financial wellness, located at 4518 Las Positas Rd, Livermore, CA 94551. Since our establishment in 1932, we have dedicated ourselves to serving the community with exceptional banking services and personalized support. With a growing membership of over 60,000 individuals, we pride ourselves on being more than just a credit union; we're a family that prioritizes your financial success. At 1st United, we understand the importance of building strong relationships with our members. Our team is committed to providing you with the best financial products tailored to meet your needs, whether you're looking for checking accounts, auto loans, or mortgage refinancing. With total assets exceeding $1.2 billion and deposits amounting to $105,480,211, you can trust us to manage your finances responsibly and effectively. Led by our CEO, Stephen Stone, and Board President, Dave Macdonald, our experienced team is here to guide you every step of the way. We also have a dedicated staff of 176 employees ready to assist you with any inquiries you may have. We aim to make banking accessible and convenient for everyone in Livermore and beyond. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: P.O.Box 11746, Pleasanton, CA 94588. For any questions or assistance, feel free to reach out via phone at 800-649-0193. Join us today and experience the difference of being part of a community-focused credit union! Visit our website at 1st United for more information about our services and how we can help you achieve your financial goals.

Branch History & Mission

Welcome to 1st United, a beacon of community support and financial empowerment since 1932. Located at 4518 Las Positas Rd in the heart of Livermore, CA, our branch has been dedicated to serving our members for over nine decades. As we reflect on our journey, we are proud of how far we've come and the impact we've made in the lives of our 60,144 members. From our humble beginnings, we have grown into a strong institution with total assets exceeding $1.2 billion. Our commitment to offering exceptional financial services while fostering community spirit remains at the core of what we do. We understand that banking is not just about transactions; it's about building relationships and supporting each other through life's challenges and milestones. At 1st United, our mission is clear: to provide high-quality financial services that improve the lives of our members and strengthen our community. We strive to be more than just a credit union; we aim to be your partner in achieving financial goals, whether it's saving for a new car, buying a home, or planning for retirement. Our services range from personal banking accounts to auto loans, mortgages, and business banking solutions all designed with your needs in mind. While members can visit us at 4518 Las Positas Rd, official correspondence should be sent to P.O. Box 11746, Pleasanton, CA 94588. We invite you to experience our friendly atmosphere during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM. In addition to traditional banking services, we embrace modern technology to enhance member convenience. With features like online and mobile banking, ATM access, and electronic statements available, we make managing your finances simple and efficient. Our commitment goes beyond just financial services; it also includes active participation in local initiatives and partnerships aimed at uplifting our community. Whether through educational programs or community events, we believe in giving back and making a positive difference where it matters most. If you're looking for a credit union that values its members and supports its community wholeheartedly, look no further than 1st United. Join us today and discover how we can help you achieve your financial dreams while making a lasting impact together! For more information or to open an account online, please visit 1st United or call us at 800-649-0193.

Branch Location & Accessibility

Accessibility Features

At 1st United, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking spaces to accommodate everyone comfortably. If you prefer banking on the go, we also provide an ATM on-site for quick cash withdrawals and balance checks.

Connect With Us

We're excited to help you with your financial journey! If you have any questions or need assistance, don't hesitate to call us at 800-649-0193. We invite you to visit us soon at the Livermore Branch of 1st United, where we're dedicated to serving our community with care and commitment.

Operating Hours

We are here for you during the week! Our lobby hours are Monday through Friday from 9:00 AM to 5:00 PM, making it easy for you to visit when it's most convenient for you. Unfortunately, we do not offer drive-thru services at this location; however, our friendly staff is ready to assist you inside.

Services Offered

At the Livermore Branch, we provide a range of personal banking services tailored to meet your needs whether you're looking for checking and savings accounts, auto loans, mortgages, or credit cards with rewards. We also offer business banking services and online options for managing your finances anytime.

Member Eligibility

At 1st United, we believe that becoming a member is like joining a close-knit family that genuinely cares about your financial well-being. If you live, work, or worship in our local community, you're already on the path to membership! We welcome individuals from various backgrounds and encourage anyone seeking a supportive banking experience to connect with us. The process to join is simple just visit us at 4518 Las Positas Rd, Livermore, CA 94551, or give us a call at 800-649-0193 for more information. You can also check out our detailed eligibility criteria at this link, where you'll find all the specifics. Once you're part of our community, you'll enjoy access to tailored services that make managing your finances easier and more rewarding. Joining us means not just banking but being part of something bigger!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, our merchant services make it easier for you to manage transactions and streamline operations. Imagine having a reliable partner who simplifies payment processing, allowing you to focus on what you do best running your business. With our services at 1st United, you'll gain access to tools that enhance customer experiences and improve cash flow. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses right here in Livermore, CA. Let's work together to turn your business goals into reality! For more information, visit us at 4518 Las Positas Rd Livermore Ca 94551 or call us at (800) 649-0193.

Tailored Loan Solutions

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. This means whether you are a member or not, you can find the right loan to meet your needs.

Comprehensive List Of Services

ATM Services

Need cash? We've got you covered with our ATM and cash withdrawal services available right here at our branch. Plus, basic ATM access allows you to withdraw cash or check balances without hassle. At 1st United, we strive to make banking easy and accessible for everyone in Livermore. Our friendly staff is ready to assist you with any questions about these services or guide you through setting up an account. Ready to take the next step? Visit us today or explore more about what we offer by checking out our website at 1st United. Let us help you achieve your financial goals!

Business Banking Services

For our business members, we offer comprehensive solutions including merchant services and business loans. Whether you're launching a startup or expanding an existing business, we provide the tools and support you need to succeed.

Credit Cards with Rewards

Our credit cards with rewards program allows you to earn points while making everyday purchases. Imagine earning rewards for your groceries or gas those points can add up quickly and be redeemed for exciting perks!

Digital Banking Made Easy

In today's fast-paced world, having access to your accounts anytime, anywhere is essential. That's why we offer robust online and mobile banking services. With just a few taps on your smartphone, you can check balances, transfer funds, or even pay bills all from the comfort of your home or on the go.

Personal Banking Solutions

Our commitment to personal banking ensures that you have access to essential services like checking and savings accounts. If you're saving for a dream vacation or just want a place to manage your daily expenses, our accounts offer competitive rates and convenient features. When it comes time to drive off in that new car, consider our auto loans and vehicle financing options. We understand how important reliable transportation is, and we make the loan process straightforward and easy. Thinking about buying a home? Our mortgage loans and refinancing options are tailored to help you find the perfect fit for your budget. We also offer personal loans and debt consolidation, giving you the flexibility to tackle unexpected expenses or combine multiple debts into one manageable payment.

Digital & Online Banking

At 1st United, we understand that convenience and security are essential when managing your finances. That's why we offer a range of digital and online banking services designed to make your life easier, all while keeping your information safe. With just a few clicks or taps, you can access your accounts anytime, anywhere. Our online banking platform at https://www.1stunitedcu.org/ is user-friendly and provides 24/7 access to your accounts. You can check balances, transfer funds, pay bills, and manage transactions with ease. Plus, our electronic signature authorization feature allows you to sign documents digitally, saving you time and making the process smoother. If you prefer to manage your finances on the go, our mobile application is perfect for you. It includes features like person-to-person transfers, which makes sending money to friends or family quick and simple. And if you're looking to keep track of your spending without the clutter of paper statements, we offer e-statements that are both eco-friendly and easily accessible. Additionally, you can enjoy the convenience of mobile payments through your favorite apps. Whether it's splitting a bill or shopping online, our mobile payments feature ensures that you're always just a tap away from completing transactions securely. With these tools at your disposal, managing your finances has never been easier. Experience the ease of real-time account management with the peace of mind that comes from knowing your data is protected. Join us at 1st United and take advantage of all our digital banking services 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. We pride ourselves on our solid financial foundation, built to support you in achieving your financial goals. 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. 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 commitment to lending is evident as well; with $9,284 in used auto loans and $851,181,396 in total loans and leases, our lending capacity supports your financial needs across various sectors. Our operational efficiency is reflected in our $5,717,979, which allows 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. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 115,386, 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 4518 Las Positas Rd Livermore Ca 94551 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

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 quick approvals to ensure that you find the right fit for your budget.

Conclusion

At 1st United, we're committed to providing our members with financial solutions that are straightforward and beneficial. For more details on any of our loan offerings or to start your application process today, visit us online at 1stUnitedCU.org or give us a call 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.

Credit Lines

We also offer credit lines that total $463,628,804. These lines provide a safety net for unexpected expenses and give you peace of mind knowing that funds are available when needed.

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 have refinancing options available to help you secure better terms on your current mortgage.

Unsecured Credit Card Loans

Managing finances can be tricky, but with our unsecured credit card loans totaling $41,773,272, you'll have the flexibility you need. These loans come with competitive rates and terms that allow you to manage expenses effectively without the burden of collateral.

Loan Aggregator

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: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. 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!" Compare real-time loan offers today at LendMesh and find the best rates for 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.

How LendMesh Ensures Accurate 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 you receive fair and transparent offers tailored to your needs.

1St United