United Local Fresno CA Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to United Local Credit Union, your trusted financial partner since 1953. Located at 3650 E Ashlan Ave, Fresno, CA 93726, we are proud to serve our vibrant community with dedication and care. With a total membership of 8,229 and assets exceeding $122,765,664, we focus on providing personalized banking solutions tailored to meet your unique needs. As you explore our services, you'll find a range of offerings designed to empower you financially from checking and savings accounts to auto loans, mortgages, and business banking. Our commitment to your financial well-being is reflected in our total deposits of $14,270,950 and a solid net worth of $23,240,960. We understand that every member's journey is different, which is why we strive to create an environment where you feel valued and supported. At the helm of our organization is CEO Angelina Maldonado, alongside Board President Jim Hazzelrigg, both dedicated leaders who prioritize your experience. Whether you're visiting us in person or reaching out by phone at 559-227-8329, we're here to help you navigate your financial goals with confidence. While members can visit us at our branch location for personal assistance, official correspondence should be sent to the same address: 3650 E Ashlan Ave, Fresno, CA 93726. We invite you to learn more about what we can do for you by exploring our website at unitedlocal.org. Join us today and discover how United Local Credit Union can make a difference in your financial life!

Branch History & Mission

Welcome to United Local Credit Union, a pillar of financial support and community engagement in Fresno, CA. Established in 1953, our branch has grown alongside its members, evolving from humble beginnings into a trusted partner for over 8,229 members. With total assets exceeding $122 million, we are committed to offering exceptional financial services that cater to the diverse needs of our community. Located at 3650 E Ashlan Ave, our branch is easily accessible for residents in the area. Just a stone's throw away from local landmarks like the Fresno State University, we have become an integral part of this vibrant community. While members can visit us at this address, official correspondence should be sent to 3650 E Ashlan Ave, Fresno, CA 93726 if needed. At United Local Credit Union, our mission is straightforward: we strive to empower our members by providing personalized financial solutions while fostering a sense of belonging and support. We believe that banking should be more than just transactions; it should be about building relationships and making a positive impact in people's lives. Our wide range of services including personal banking, auto loans, mortgages, and business banking are designed with you in mind. In addition to traditional banking services, we are proud to offer modern conveniences like online and mobile banking, along with ATM access and drive-thru services for your convenience. Our commitment to accessibility means we comply with ADA standards to ensure everyone can benefit from our offerings. We also understand the importance of giving back. Through various partnerships and community outreach initiatives, we actively contribute to local events and programs that uplift those around us. This dedication not only strengthens ties within our community but also enriches the lives of our members. With operating hours from Monday through Friday and extended drive-thru service availability, we're here when you need us most. If you're looking for a credit union that puts people first one that values your financial well-being as much as you do then look no further than United Local Credit Union. Join us today and experience the difference that comes from being part of a member-focused credit union. Visit us online at United Local Credit Union or give us a call at 559-227-8329 to learn more about how we can serve you!

Branch Location & Accessibility

Operating Hours

At United Local, we understand that life gets busy. That's why we're here for you during flexible hours! Visit us Monday through Thursday from 9:00 AM to 5:00 PM, and on Fridays from 9:00 AM to 5:30 PM. If you prefer drive-thru service, we offer it Monday through Thursday from 8:30 AM to 5:30 PM and on Fridays until 6:00 PM.

Services Offered

Our branch provides a variety of personal banking services tailored to fit your lifestyle. From checking and savings accounts to auto loans and credit cards with rewards, we're equipped to meet your financial needs. Plus, our ATM is available for quick cash withdrawals and balance checks whenever you need it. While members can visit us at 3650 E Ashlan Ave, official correspondence should be sent to the same address since our mailing address is the same as our physical location. If you have questions or want to learn more about what we offer, don't hesitate to give us a call at 559-227-8329. We look forward to welcoming you into our United Local family!

Member Eligibility

Becoming a member of United Local is like joining a close-knit family that prioritizes your financial well-being. If you're looking to enjoy personalized service and community-focused banking, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in Fresno County. This means whether you're a local resident or just passing through, we welcome you with open arms! To learn more about the specific eligibility requirements and ensure you meet them, check out our detailed resource at http://www.unitedlocal.org/membership/become-a-member. Once you're ready to take the next step, opening an account is simple and quick. You can get started online by visiting https://my.unitedlocal.org/enroll, or if you prefer to speak with someone directly, give us a call at (559) 227-8329. Our friendly team is here to guide you through the process and answer any questions you may have. Join us at United Local, located at 3650 E Ashlan Ave Fresno Ca 93726, and experience the benefits of being part of our vibrant community!

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 also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. Imagine having the funds you need to purchase new equipment or expand your team. Our loan options can help turn those plans into reality. Whether you're a startup or an established company looking to grow, we're here for you.

Merchant Services

In today's fast-paced world, managing payments efficiently can set your business apart. Our merchant services simplify transactions, allowing you to accept payments seamlessly and focus on what you do best running your business. Picture a busy restaurant where customers are happy to pay quickly and easily; that's the kind of efficiency our services bring. If you're ready to take your business further, visit us at 3650 E Ashlan Ave Fresno Ca 93726, Fresno, CA or give us a call at (559) 227-8329. Let's work together to achieve your goals!

Comprehensive List Of Services

Business Banking

If you're an entrepreneur or small business owner, United Local supports you through business banking services. From merchant services that simplify transactions to business loans designed to help you grow, we are here to facilitate your success.

Convenient Access

We understand the importance of convenience in today's fast-paced world. That's why we offer basic drive-thru banking for deposits and withdrawals, allowing you to complete simple transactions without leaving your car. Our ATMs are also available for balance checks and cash withdrawals at any time. At United Local, we pride ourselves on not only meeting but exceeding the expectations of our members through personalized service and comprehensive financial solutions. If you have questions or would like more information about how we can assist you further, feel free to reach out at 559-227-8329. Ready to take the next step? Visit us today at 3650 E Ashlan Ave, Fresno, CA 93726, or explore our offerings online at unitedlocal.org. Let us help you achieve your financial goals!

Credit Cards

Our credit cards come with rewards that can enhance your spending experience. Whether you're planning a vacation or just want some extra perks on everyday purchases, our cards offer benefits that can help you get more out of your money.

Loans and Financing

For those considering a new vehicle or home, our auto loans and mortgage refinancing options make financing straightforward and accessible. Picture yourself driving off in a new car or settling into your dream home with affordable rates that suit your budget. We also provide personal loans for debt consolidation or unexpected expenses, making it easier for you to regain control over your finances.

Personal Banking

When it comes to personal banking, United Local offers checking and savings accounts that fit your lifestyle. Imagine being able to manage your finances easily with online and mobile banking. You can check balances, transfer money, and pay bills right from your smartphone. Plus, our ATM services ensure that you have quick access to your cash whenever you need it.

Digital & Online Banking

Access Your Accounts Anytime

Our 24/7 online banking services provide you with the flexibility to check balances, make transfers, and pay bills whenever it suits you. Whether you're at home or on the go, simply visit https://www.unitedlocal.org/ to log in and take control of your financial life.

Mobile Banking Made Easy

With our mobile application, managing your finances is even more convenient. You can use mobile payments to make transactions quickly and easily right from your phone. Need to send money to a friend? Our person-to-person transfer feature allows you to do just that, hassle-free. At United Local, we aim to make banking not just accessible but enjoyable. Our digital tools ensure that whether you're checking your balance or moving money around, you can do so with ease and confidence. Join us today and experience the future of banking!

Secure and User-Friendly Features

We prioritize your security with features like electronic signature authorization, making it simple for you to sign documents safely online. Plus, our e-statements give you instant access to your account statements without the clutter of paper just another way we help you stay organized and eco-friendly!

Financial Strength

Community Trust

Total Share Accounts: 12,906, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further highlights our capability to serve our community effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, United Local is your trusted partner. Visit us at 3650 E Ashlan Ave Fresno Ca 93726 or call (559) 227-8329 to learn more about how we can help you achieve your financial goals.

Efficiency and Workforce

Our operational efficiency is reflected in our $-$95,032, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 24 full-time employees ready to assist you with a knowledgeable team dedicated to your needs.

Member-Centric Savings

Members' savings are secured through $18,105,954 in share certificates and $4,711,048 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.

Reinvestment for Growth

With $23,139,634 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 with $1,300 in used auto loans and $78,485,684 in total loans and leases supporting our members' financial goals across various sectors.

Solid Financial Health

With a net worth of $23,240,960, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 18.92% 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 $30,458,776 in used vehicle loans and $35,749,208 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to ensure you can drive away with confidence.

Credit Lines and Personal Financing

We also provide robust personal financing options. Our total credit lines available amount to $11,204,162, giving you access to funds when you need them most. Additionally, our flexible terms on unsecured credit card loans mean you can manage your finances effectively with a total of $1,275,492 in loans.

Mortgage Loans

Thinking about homeownership? While we currently do not offer mortgage options for Junior Lien 1-4 Family Residential Properties at this time, we encourage you to explore refinancing opportunities or check back for future offerings that may suit your needs.

Refinancing Options

If you're considering refinancing any existing loans, we can help you explore eligibility options to find a solution that fits your financial situation. Our team is ready to assist you through each step of the process. For more information about our loan offerings or to discuss which option is best for you, feel free to reach out at 559-227-8329 or visit us at 3650 E Ashlan Ave, Fresno, CA 93726. We are here to support you in achieving your financial aspirations. 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 Aggregator

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UNITED LOCAL CREDIT UNION - Fresno, CA

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