Utility District Credit Union Oakland CA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Utility District Credit Union, your trusted financial partner located at 375 11Th St Ste 203, Oakland, CA 94607. Since our establishment in 1935, we have been committed to serving our community with integrity and dedication. With a membership base of 2,290 individuals and total assets reaching an impressive $33,876,277, we pride ourselves on fostering a supportive environment for all our members. Under the leadership of CEO Carolyn Maughan and Board President Cynthia Adkisson, we work diligently to provide a range of services tailored to meet your financial needs. Our offerings include personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also cater to businesses with merchant services and business loans. While you can visit us at our branch address for friendly service, please direct any official correspondence to our mailing address: 375 11th St STE 203, Oakland, CA 94607. At Utility District Credit Union, we believe in building strong relationships with our members. With total loans amounting to 1,589 and total deposits of $0, we maintain a robust financial position with a net worth of $2,711,015 and cash in hand totaling $235,757. Our dedicated team of four employees is here to assist you from 8:00 AM to 4:00 PM, Monday through Friday. Whether you're looking for guidance on personal finances or seeking business solutions, we're here to help you every step of the way. Ready to take charge of your financial future? Visit our website at udcu.org or give us a call at 510-287-0467 today!

Branch History & Mission

The story of Utility District in Oakland, CA is one of community spirit and unwavering commitment to service. Established in 1935, this branch has been a cornerstone for local residents, nurturing relationships and providing reliable financial services for nearly nine decades. From its humble beginnings, Utility District has grown into a trusted financial partner with a total membership of 2,290. Located at 375 11th St Ste 203, our branch is easily accessible and situated near notable landmarks that enrich the vibrant community of Oakland. Our mission goes beyond just banking; we are dedicated to empowering our members through education and support while fostering a sense of belonging. We believe that everyone deserves access to the tools they need to achieve their financial goals. At Utility District, we prioritize our members' needs by offering a range of personalized services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. Our commitment to innovation ensures that you can manage your finances easily through online and mobile banking options. We understand the importance of community involvement and regularly engage in outreach efforts to support local initiatives. Our partnerships with various organizations reflect our dedication to making a positive impact in Oakland. While members can visit us at 375 11th St Ste 203, official correspondence should be sent to 375 11th St STE 203, Oakland, CA 94607 if needed. Our operating hours are Monday through Friday from 8:00 am to 4:00 pm, allowing ample opportunity for you to connect with us during the week. As we continue to evolve, we remain focused on ensuring that our services meet the highest standards of accessibility and compliance. Although we currently do not have ATMs or drive-thru services available, we are committed to serving you through various customer-centric initiatives. Join us at Utility District today! Experience the difference of being part of a credit union that truly cares about its members. Together, let's build a brighter financial future for our community. For more information or assistance, feel free to reach out at 510-287-0467 or visit us online at udcu.org.

Branch Location & Accessibility

Banking Hours That Fit Your Schedule

Utility District Credit Union is open Monday through Friday from 8:00 AM to 4:00 PM. Whether you need help opening a new account or want to discuss loan options, our dedicated team is here during these hours to assist you.

Convenient Access and Parking

We prioritize your convenience! Our branch offers ample parking spaces and is designed with accessibility in mind. With ADA-compliant features and ramps, we ensure that everyone can access our services without hassle.

Get in Touch!

If you have questions or want to learn more about how we can serve you better, don't hesitate to call us at 510-287-0467. We invite you to stop by and see how Utility District Credit Union can help you achieve your financial goals. We're excited to meet you!

Services Tailored for You

Our branch provides a variety of personal banking services including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and credit cards with rewards. For business needs, we offer merchant services and business loans as well. Plus, enjoy the convenience of online and mobile banking from wherever you are!

Member Eligibility

Becoming a member of Utility District is like joining a close-knit family that supports your financial journey. If you live or work in the area, you're likely eligible! We welcome individuals associated with certain local organizations, as well as their families, making it easy for you to access our services. The advantages of membership include personalized banking solutions and competitive rates on loans and savings accounts. To learn more about our eligibility criteria, feel free to check out the details at . If you're ready to take the next step, opening an account is simple and straightforward just give us a call at (510) 287-0467, and we'll guide you through the process. Our branch is located at 375 11Th St Ste 203 Oakland Ca 94607, and we can't wait to welcome you into our community!

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

Beyond loans, we offer merchant services designed to simplify your payment processing. Imagine running your business without worrying about complicated transactions our services allow you to accept payments easily, whether online or in-person. This means more time to focus on what you love: growing your business. Whether you're just starting out or looking to expand, Utility District is dedicated to helping you achieve your goals. Join us today and discover how our tailored business banking solutions can empower your success! For more information, call us at (510) 287-0467 or visit our website at https://udcu.org/.

Comprehensive List Of Services

Accessing Cash

While we don't have ATMs at our branch, we're committed to ensuring you have access to cash when needed through partnerships with local networks for cash withdrawal services. We invite you to visit us at 375 11Th St Ste 203 Oakland Ca 94607, call us at (510) 287-0467, or explore our website at https://udcu.org/ for more information about how we can assist you with your financial needs. At Utility District, we're here to support you every step of the way!

Business Banking Solutions

For our business members, we offer tailored solutions that include merchant services and business loans. These tools are designed to help your business thrive, whether you're just starting out or looking to expand.

Credit Cards & Rewards

Don't forget about our credit cards with rewards! Use them for everyday purchases and earn points that can be redeemed for exciting perks like travel or cashback. It's an easy way to get more out of your spending.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking platforms. You can check balances, transfer money, and even pay bills from anywhere at any time right from your smartphone or computer! Plus, with features like person-to-person payments, sharing expenses with friends or family is simple.

Personal Banking Services

Our personal banking options are designed with you in mind. You can easily set up checking and savings accounts that help you manage your day-to-day finances. Imagine having a checking account that lets you pay bills online while also earning interest on your savings. With us, this is not just a dream; it's reality! For those considering a new vehicle, our auto loans and vehicle financing options make it easier than ever to drive away in the car you've always wanted. We offer competitive rates and flexible terms to fit your budget. If you're thinking about buying a home or refinancing your existing mortgage, look no further than our mortgage loans and refinancing services. We guide you through every step, making the process straightforward and stress-free. Sometimes life throws unexpected expenses your way, which is why our personal loans and debt consolidation services can help you navigate financial bumps in the road. Consolidating debt can simplify payments and potentially save you money over time.

Digital & Online Banking

At Utility District, we understand that convenience and security are key when it comes to managing your finances. That's why we offer a robust suite of digital and online banking services designed to make your banking experience as smooth as possible. With our 24/7 online banking services, you can access your accounts anytime, anywhere. Whether you're checking your balance, transferring funds, or reviewing transactions, everything is just a click away. Visit us at https://udcu.org/ to get started. Our mobile application adds another layer of convenience, allowing you to manage your finances right from your smartphone. No more waiting in line or rushing to the bank during business hours; with our app, you have the power of banking in your pocket. Need to send money to a friend? Our person-to-person transfers feature makes it easy. Just a few taps on your mobile device can help you transfer funds quickly and securely. While we currently don't offer electronic signature authorization or e-statements, rest assured that our focus remains on providing you with secure and user-friendly options. We prioritize the safety of your information and are committed to ensuring that all transactions are protected. Although we don't support mobile payments at this time, our digital services are designed for real-time account management, so you can stay on top of your finances without any hassle. At Utility District, we believe that banking should be simple and accessible for everyone. If you have any questions or need assistance, feel free to reach out at (510) 287-0467. We're here to help!

Financial Strength

Continuous Growth

With $2,696,716 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, our robust lending capacity is reflected in $101 in used auto loans and $10,722,728 in total loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is highlighted by a net income of $10,241, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 3 full-time employees and 1 part-time employees. This dedicated team ensures that our branches are always ready to serve you with knowledge and commitment.

Member-Centric Savings

Members' savings are secured through $232,301 in share certificates and $2,850,495 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 $2,711,015, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $800 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built Through Transparency

At Utility District, transparency is key to building trust with our members. The strength of our organization is further shown through our total share accounts which number 3,650, demonstrating 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, Utility District is your trusted partner. Visit us at 375 11Th St Ste 203 Oakland Ca 94607 or call (510) 287-0467 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 $2,291,112 in used vehicle loans and $5,654,015 in new vehicle loans already helping members get on the road. We provide flexible financing options to make owning a vehicle more accessible for you.

Business Financing

For business owners, our outstanding commercial loans provide the capital needed to grow and expand. While we currently do not have any outstanding commercial loans, we are committed to supporting local businesses with future financing options as they become available.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $134,707, make buying or refinancing simple. We understand that purchasing a home is one of the most significant decisions you will make, and we're here to support you every step of the way.

Refinancing Options

If you're considering refinancing your existing loans or exploring eligibility options for any of our products, our team is ready to assist you. We can help determine what loan solutions fit best for your unique financial situation. For more information about our loan offerings or to discuss your specific needs, feel free to contact us at (510) 287-0467 or visit us at 375 11th St Ste 203 Oakland Ca 94607. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're dedicated to providing our members with the best possible service and financial products tailored just for you!

Unsecured Credit Cards

Managing everyday expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans. Although we currently have $0 in unsecured credit card loans available, our aim is always to help members manage their finances effectively when opportunities arise.

Loan Aggregator

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