1st United Credit Union Oakland CA | Affordable Vehicle Loans & Personal Banking

Introduction

At 1st United, we believe in building a strong community through trust and support. Located at 6300 College Ave Ste 110, Oakland, CA 94618, our branch has been serving members since 1932. With over 60,000 members and total assets of $1,202,659,236, we are committed to providing the best financial services tailored to your needs. While members can visit us at our Oakland branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 11746, Pleasanton, CA 94588. We pride ourselves on our robust offerings that include personal banking, auto loans, mortgage options, and more. Under the leadership of our CEO, Stephen Stone, and Board President, Dave Macdonald, we strive to create a welcoming environment where everyone feels valued. Our dedicated team of 176 employees works hard to ensure that your experience with us is seamless and enjoyable. With total loans amounting to 36,623 and total deposits reaching $105,480,211, we continue to strengthen our position as a trusted financial partner. Our commitment goes beyond numbers; it's about making a positive impact in the lives of our members. For any inquiries or assistance, feel free to 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. We invite you to explore how we can help you achieve your financial goals today! Visit us online at 1st United for more information.

Branch History & Mission

Community Engagement

We understand that being a good neighbor means giving back. Our partnerships with local organizations allow us to contribute meaningfully to initiatives that uplift the community. Whether through financial education workshops or charitable donations, we strive to make a positive impact on the lives of those around us. As we look ahead, we invite you to become part of the 1st United family. Join us today and discover how we can support your financial journey while working together for a better future in Oakland. For more information or to open an account, please visit our website or call us at 800-649-0193. Together, let's build a stronger community!

Our Journey

The journey of 1st United began with a simple mission: to provide accessible and affordable financial services to everyone in the community. Since opening our doors at 6300 College Ave Ste 110, we have celebrated many milestones expanding our services, enhancing our technology, and deepening our community ties. Our location is conveniently situated near local landmarks, making it easy for members to visit us 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.

Our Mission

At the heart of 1st United is our mission to empower individuals through exceptional financial services while actively supporting our community. We believe that everyone deserves access to quality banking options, whether it's personal banking, auto loans, or mortgage refinancing. Our commitment extends beyond traditional banking; we engage in various outreach efforts aimed at strengthening Oakland and its residents. While members can visit us at our physical branch location, official correspondence should be sent to PO Box 11746 in Pleasanton if needed. We offer modern conveniences such as online banking and mobile payments, ensuring that managing your finances is simple and efficient.

Branch Location & Accessibility

Welcome to the 1st United Oakland - Rockridge Branch! Conveniently located at 6300 College Ave Ste 110 in beautiful Oakland, CA, our branch is here to serve you. Nestled in the vibrant Rockridge neighborhood, we are just a stone's throw away from local favorites like the Rockridge BART station and numerous shops and eateries. Whether you're stopping by for a quick transaction or need assistance with your financial needs, our location makes it easy to visit us. At 1st United, we prioritize accessibility. Our branch is equipped with features that ensure everyone can reach us comfortably. There's ample parking available nearby, and our facilities comply with ADA standards, including ramps for those who need them. Our friendly team is ready to assist you during our convenient hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. If you have any questions or require assistance, don't hesitate to give us a call at 800-649-0193. While members can visit us at our branch address, official correspondence should be sent to PO Box 11746 in Pleasanton, CA, if needed. Additionally, for your convenience, we offer ATM services right on-site so you can access your funds whenever you need them. Please note that while we do not have drive-thru banking options, our lobby is welcoming and designed to make your experience enjoyable. We invite you to stop by and discover how we can help you with everything from personal banking to auto loans and beyond. At 1st United, we're more than just a credit union; we're your community partner. Come see us soon!

Member Eligibility

At 1st United, we believe that becoming a member is like joining a family where everyone is valued and supported. If you're curious about how to become part of our community, it's quite simple! We welcome individuals who live, work, worship, or attend school in Alameda County, making it easy for you to connect with us. Plus, if you have family members who are already part of our credit union, you're eligible too! This means that whether you're looking for personal banking solutions or planning your financial future, being a member at 1st United opens doors to a range of services tailored just for you. Getting started with us is straightforward. You can easily find more information about the eligibility criteria on our website at https://www.1stunitedcu.org/. When you're ready to take the next step, visit http://www.1stUnitedcu.org/apply to open your account online or give us a call at 800-649-0193 if you have any questions. We can't wait to welcome you to the 1st United family at our branch located at 6300 College Ave Ste 110, Oakland, CA 94618!

Business Banking & Commercial Services

Commercial 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

Imagine having a reliable partner that simplifies your payment processing. Our merchant services make it easier for you to accept payments from customers, whether they're paying with credit cards or mobile wallets. This means faster transactions, happier customers, and more time for you to focus on what you do best running your business. Located at 6300 College Ave Ste 110 Oakland Ca 94618 in Oakland, CA, our team is ready to assist you with tailored solutions that fit your unique needs. For more information or to get started, contact us at (800) 649-0193 or visit our website here. Let's work together to take your business to the next level!

Comprehensive List Of Services

Borrowing Made Easy

When life presents unexpected expenses, our personal loans and debt consolidation options can help ease the burden. Picture consolidating multiple debts into one manageable payment this is just one way we assist our members in achieving financial peace of mind. Additionally, our credit cards come with rewards that let you earn while you spend.

Business Banking Services

If you're an entrepreneur or business owner, 1st United has got you covered. We provide merchant services and business loans that empower small businesses to thrive. We understand the unique challenges faced by businesses today and strive to offer solutions that promote growth.

Digital Banking Convenience

In today's fast-paced world, digital banking is essential. Our online and mobile banking services allow you to manage your accounts anytime, anywhere. From checking balances to transferring funds or paying bills, everything is at your fingertips. Plus, our ATM services ensure you have access to cash when you need it most. At 1st United, we pride ourselves on making banking not only accessible but enjoyable. With friendly staff ready to assist you and flexible service hours (Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM), we're always here when you need us. We encourage you to reach out at 800-649-0193 or visit us online at 1st United to learn more about how our comprehensive list of services can help fulfill your financial needs. Join us today and experience banking designed for real life!

Personal Banking Solutions

Our personal banking options are designed with you in mind. With checking and savings accounts that fit various lifestyles, managing your money has never been easier. Imagine having a checking account that offers easy access and no monthly fees, paired with a savings account that helps you grow your funds effortlessly. For those considering purchasing a vehicle, we offer competitive auto loans and vehicle financing solutions that can make owning your dream car a reality. Our mortgage loans and refinancing options also provide flexibility for homeowners looking to buy their first home or reduce their monthly payments.

Digital & Online Banking

Enhanced Features

Need to send money to a friend? With our person-to-person transfer service, it's quick and easy! Just use our app or website to send money directly from your account. For those who love convenience, we also support mobile payments. Whether you're at a store or dining out, you can make purchases using just your phone. Our commitment to security ensures that all transactions are safe and protected, giving you peace of mind as you manage your financial needs online. At 1st United, we're here to help you navigate through every step of your banking journey with ease. Sign up for our services today and experience the convenience of modern banking!

Key Services

With our online banking platform, you can access your accounts 24/7. Whether you're checking your balance, paying bills, or transferring funds, everything is just a click away. Plus, our mobile application makes it even easier to manage your finances on the go. You can download it today and enjoy all the features right from your smartphone. One standout feature is our electronic signature authorization. This means you can sign documents digitally without the hassle of printing or mailing them. It's fast, secure, and eco-friendly! In addition, we offer e-statements for those who prefer to keep their paperwork organized electronically. You'll receive timely updates right in your inbox no more cluttered desks or forgotten paperwork!

Financial Strength

Committed Team

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. With a total of 115386 share accounts, we demonstrate 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 6300 College Ave Ste 110 Oakland Ca 94618 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.

Lending Power

Our lending capacity supports members' financial goals across various sectors. We have $9,284 in used auto loans and a total of $851,181,396 in loans and leases available for you. This ensures that whether you're looking to finance a vehicle or manage other expenses, we've got your back.

Members First

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. Our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is reflected in our net income of $5,717,979, enabling us to continue offering competitive loan rates and solid financial products for our members.

Reinvesting for Your Benefit

With $129,764,720 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve you better. This means more choices and improved services designed with your needs in mind.

Strong Financial Health

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.

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 financing options that can fit into any budget.

Credit Lines and Unsecured 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. Additionally, our credit lines totaling $463,628,804 give you the flexibility to borrow when you need it most. If you're considering refinancing or exploring eligibility options for our various loan products, our team is here to help! We believe in providing personalized service to help you find the best solution for your financial situation. For inquiries or assistance in getting started with any of our loan offerings, feel free to reach us at 800-649-0193. We're available 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. Discover how 1st United can help you achieve your financial dreams today!

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 are committed to guiding you through the process every step of the way.

Loan Aggregator

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1St United