Uncle Credit Union Tracy CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Uncle, your trusted partner in financial well-being! Located at 1829 W 11th St, Tracy, CA 95376, our branch has proudly served the community since 1957. With a strong commitment to our members, we currently support over 37,673 individuals and families in achieving their financial goals. At Uncle, we understand that every member's journey is unique, which is why we offer a wide range of services tailored to meet your needs. Our total assets amount to an impressive $753,952,319, reflecting our stability and dedication to providing excellent service. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. We're not just about numbers; we're about people. Led by our CEO Harold Roundtree and Board President Chung Bothwell, our team of 107 employees is here to ensure you feel valued and supported every step of the way. We also have a friendly ATM on site for your convenience. While members can visit us at our Tracy branch for personal banking needs, official correspondence should be sent to 2100 Las Positas Ct, Livermore, CA 94551. If you have any questions or want to learn more about how we can assist you with your financial journey, don't hesitate to call us at 925-447-5001. Join us at Uncle today and discover how we can help make your financial dreams a reality! For more information about our services and membership eligibility, visit our website at www.unclecu.org.

Branch History & Mission

Community Engagement

We take pride in being an active participant in the Tracy community. Through partnerships with local organizations and outreach programs, Uncle has consistently worked toward enhancing the quality of life for residents. Whether it's through hosting financial workshops or supporting local events, we strive to make a positive impact beyond just banking. As we look forward to the future, Uncle remains committed to serving you with transparency and care. Our operating hours are designed with your convenience in mind: Monday-Thursday from 9 AM - 5 PM, Friday from 9 AM - 6 PM, and Saturday from 10 AM - 2 PM. Plus, with ATM availability for quick cash withdrawals and basic transactions, we're here whenever you need us. Join us today at Uncle and experience firsthand how we can help you thrive financially while being part of a caring community. For more information about membership or services offered, feel free to call us at 925-447-5001 or visit our website at www.unclecu.org. Your journey toward financial success starts here!

Our Journey

Uncle began its journey with a simple mission: to provide accessible financial services to those in need. Over the decades, we have evolved alongside our members, adapting to their changing needs while maintaining our core values of integrity and community support. As we mark each milestone be it expanding our services or enhancing our technology our focus remains steadfast on what matters most: the people we serve. Our branch is easily reachable and conveniently located near local landmarks, making it accessible for all. While members can visit us at our Tracy location, official correspondence should be sent to our mailing address at 2100 Las Positas Ct, Livermore, CA 94551.

Our Mission

At Uncle, we believe that everyone deserves the opportunity to achieve their financial goals. Our mission is not only about offering personal banking services like checking and savings accounts or auto loans but also about fostering strong relationships within the community. We are dedicated to empowering our members through education and resources that promote financial literacy and responsible banking practices. In addition to traditional banking services, we prioritize digital advancements by providing online and mobile banking options. Members can enjoy easy access to their accounts anytime and anywhere. We also adhere to ADA compliance standards to ensure that all members can benefit from our services without barriers.

Branch Location & Accessibility

Convenient Access and Parking

Our branch offers ample parking to make your visit hassle-free. We ensure that everyone can access our services comfortably with ADA-compliant features throughout the building. If you prefer to handle transactions on the go, we also provide ATM services for quick cash withdrawals and balance checks.

Join Us Today!

We invite you to stop by the Uncle Tracy Branch today or give us a call at 925-447-5001 for any inquiries. Experience our commitment to serving our members with care and convenience right here in Tracy!

Operating Hours Tailored for You

We understand that life can be busy, which is why we offer flexible operating hours. Our lobby is open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 10 AM to 2 PM. Whether you need assistance during the week or prefer a weekend visit, we're here to help.

Services Designed for Your Needs

At Uncle Tracy Branch, we offer a range of personal banking services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. Our dedicated team is ready to assist you with online and mobile banking options too. While we don't have drive-thru service at this location, our friendly staff is always available inside to provide personalized assistance. If you need to send us any official correspondence, please use our mailing address at 2100 Las Positas Ct, Livermore, CA 94551.

Member Eligibility

Joining the Uncle family is more than just opening an account; it's about becoming part of a welcoming community that prioritizes your financial well-being. At Uncle, located at 1829 W 11Th St Tracy Ca 95376, we believe in making banking personal and accessible. To become a member, you simply need to meet a few straightforward eligibility criteria, which can include living, working, or worshipping in specific areas, as well as other affiliations with our community. We invite you to visit our detailed eligibility page at https://www.unclecu.org/membership/ for the most current information and to see if you qualify. Once you're ready to take this exciting step, opening an account with us is a breeze! Whether you're looking for checking and savings accounts or loans that suit your needs, we're here to help guide you through the process. If you have any questions or need assistance, don't hesitate to reach out at (925) 447-5001. We can't wait to welcome you as a member at Uncle!

Business Banking & Commercial Services

Loan Options That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $4 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $868,745, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Simple

Imagine having all the tools you need to accept payments easily and efficiently. Our merchant services empower local businesses to process transactions seamlessly, enhancing customer satisfaction while streamlining operations. Whether it's mobile payments or online transactions, we're here to help you thrive in today's competitive market. Visit us at 1829 W 11Th St Tracy Ca 95376 in Tracy, CA, or give us a call at (925) 447-5001. Let's work together to make your business goals a reality!

Comprehensive List Of Services

Accessible Services for Everyone

At our branch located at 1829 W 11Th St Tracy Ca 95376 in Tracy, CA, we strive to create an inclusive environment where all members feel welcome. Whether you're visiting us in person or accessing our services online, we make sure that banking is straightforward and accessible for everyone. If you're ready to explore how our services can enhance your financial journey or if you have any questions about what we offer, don't hesitate to reach out! Call us at (925) 447-5001 or visit us at https://www.unclecu.org/ today!

Business Banking Made Simple

For local businesses, Uncle offers robust business banking solutions, including merchant services and business loans designed to help you thrive in today's economy. We understand the unique challenges faced by entrepreneurs and are committed to supporting your success.

Digital Banking Convenience

In this fast-paced world, convenience is key. That's why we prioritize digital banking features at Tracy Branch. With online and mobile banking, accessing your accounts is just a tap away. You can easily check balances, transfer funds, or make payments anytime, anywhere. Plus, our ATM & cash withdrawal services ensure you have access to cash when you need it most.

Financial Support When You Need It

Life can be unpredictable, and that's why we also provide personal loans and debt consolidation options. These services can help you manage unexpected expenses or simplify your monthly payments into one manageable amount. Additionally, our credit cards with rewards allow you to earn benefits while making everyday purchases.

Personal Banking Solutions

Managing your personal finances has never been easier. At Tracy Branch, we offer checking and savings accounts that help you save for those special moments in life, from vacations to home purchases. Need a reliable vehicle? Our auto loans and vehicle financing options ensure you can hit the road with confidence. For those dreaming of home ownership, our mortgage loans and refinancing services provide competitive rates and flexible terms tailored to fit your lifestyle.

Digital & Online Banking

Mobile Banking at Your Fingertips

Our mobile application takes convenience a step further. With features like mobile payments, you can make purchases directly from your smartphone or tablet, ensuring that you never miss a beat. Plus, person-to-person transfers allow you to send money quickly to friends or family without the hassle of cash or checks.

Online Banking Made Simple

With our online banking platform, accessible at https://www.unclecu.org/ , you can check your account balances, transfer funds, and pay bills with just a few clicks. This 24/7 service allows you to manage your finances on your schedule, whether you're at home or on the go. You can even authorize electronic signatures for transactions, making it quicker and easier to handle important paperwork without needing to visit us in person.

Security and Accessibility

Your security is our top priority. Our online banking systems are equipped with robust security measures so you can bank confidently. Whether using the mobile app or accessing online banking from a computer, you'll find an intuitive interface that makes navigation easy for everyone. At Uncle, we're dedicated to providing tools that empower you to take charge of your finances effortlessly. Experience the ease and security of our digital banking services today!

Stay Updated with E-Statements

Say goodbye to paper clutter! Our e-statements provide a convenient way to keep track of your financial activity while being environmentally friendly. You'll receive notifications when your statements are ready, making it simple to stay informed about your accounts.

Financial Strength

Growing Trust Among Members

Total Share Accounts stand at 69,044, showing a strong and growing member base that trusts us with their finances. Our focus on members' needs means we're constantly working to improve your experience at Uncle. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Uncle is your trusted partner. Visit us at 1829 W 11Th St Tracy Ca 95376 or call 925-447-5001 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.

Member Savings and Investment Security

Members' savings are secured through $152,254,092 in share certificates and $126,646,812 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.

Operational Efficiency

Our performance is reflected in our net income of $1,837,848, showcasing our operational efficiency. This allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 99 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinventing Member Services

With $53,587,708 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 $8,242 in total auto loans and $625,909,412 in total loans and leases.

Strong Financial Health

With a net worth of $58,390,320, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 774 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 $90,693,804 in used vehicle loans and $143,491,114 in new vehicle loans already helping members get on the road. We provide financing options that are flexible and tailored to fit your budget.

Credit Lines

For those looking for additional financial flexibility, our credit lines amounting to $317,231,559 provide easy access to funds whenever you need them. It's a great way to cover emergencies or finance larger purchases without taking on a traditional loan. At Uncle, we also recognize the needs of business owners. If you're looking for funding to grow your business, our outstanding commercial loans totaling $868,745 can provide the capital needed to expand operations. If you're considering refinancing or want to know about eligibility options for any of our loan products, our team is ready to assist you with personalized advice tailored to your situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Feel free to reach out at (925) 447-5001, or visit us at our branch located at 1829 W 11Th St Tracy Ca 95376 in Tracy, CA. We're here to help you navigate your financial journey with confidence!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $128,922,594, make buying or refinancing simple. We offer competitive rates and terms that can help you secure the home you've always wanted.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $16,536,246 in loans helping members manage their finances effectively. This option allows you to handle unexpected expenses without the burden of high interest.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, which guarantees transparency in what you're looking at. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. You can trust that the options presented are based solely on your needs. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions quickly and confidently. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of LendMesh as a reliable tool for navigating your borrowing options. 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.*

UNCLE CREDIT UNION