Utility District Credit Union Oakland CA | Best Auto Loans & Business Banking

Introduction

Welcome to Utility District, your trusted credit union located at 2130 Adeline St, Oakland, CA 94607. Since our establishment in 1935, we've dedicated ourselves to serving the community with integrity and commitment. With a growing membership of 2,290, we focus on providing personalized financial solutions that meet your needs. At Utility District, we are proud to hold total assets of $33,876,277 and maintain a strong net worth of $2,711,015. Our commitment to responsible lending is reflected in our portfolio, which includes 1,589 loans and leases to help you finance your dreams. We believe in empowering our members through financial education and assistance. Led by our CEO, Carolyn Maughan, and Board President, Cynthia Adkisson, our team of 4 dedicated employees is here to support you every step of the way. We offer a variety of services including personal banking, auto loans, mortgages, and business banking options tailored just for you. While members can visit us at our branch location for face-to-face service during our lobby hours from 8:00 AM to 4:00 PM, official correspondence should be sent to the same address listed above. If you have questions or need assistance, don't hesitate to reach out at 510-287-0539. Join us today and discover how Utility District can help you achieve your financial goals. Visit us online at udcu.org for more information about our services!

Branch History & Mission

Welcome to the inspiring story of Utility District, a cornerstone of financial service in Oakland, CA. Since opening our doors in 1935, we have been dedicated to serving our community with integrity and care. Over the decades, we have grown alongside our members, building a legacy of trust and support that has transformed lives and strengthened families. Located at 2130 Adeline St, Oakland, CA 94607, our branch is easily accessible for all your banking needs. Just a short walk from local landmarks, we are proud to be part of this vibrant community. While members can visit us at this address, official correspondence should be sent to 2130 ADELINE ST, OAKLAND, CA 94607 if needed. As we celebrate our journey from a small credit union to a thriving financial institution with over 2,290 members and assets totaling $33,876,277, we reflect on our mission: to provide exceptional financial services while fostering community engagement. We understand that banking is about more than just transactions; it's about relationships. Our goal is to empower individuals and businesses through personalized service tailored to meet their unique needs. At Utility District, we offer a range of services designed for every stage of life from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing options. Additionally, our commitment to innovation means you can enjoy online and mobile banking for convenience right at your fingertips. We believe in being there for our community not just through financial products but also through outreach efforts and partnerships that strengthen local initiatives. Whether it's sponsoring local events or supporting educational programs, we strive to give back and make a positive impact. Our operating hours are convenient for our members: Monday through Friday from 8:00 AM to 4:00 PM. Please note that currently, we do not have ATM services or drive-thru banking available. However, our friendly staff is always ready to assist you during lobby hours. Join us in continuing this journey! We invite you to become part of the Utility District family and experience the benefits of membership firsthand. Together, let's build a brighter future for Oakland. For more information or assistance, don't hesitate to reach out at 510-287-0539 or visit us online at udcu.org.

Branch Location & Accessibility

Welcome to Utility District, conveniently located at 2130 Adeline St in the heart of Oakland, CA. Our branch is nestled near vibrant local landmarks, making it easy for you to stop by and take care of your banking needs. Whether you're heading to a nearby shop or enjoying a stroll through the area, we're here to serve you. While our branch address is 2130 Adeline St, official correspondence can be sent to the same address for your convenience. We prioritize accessibility for all our members, with features that meet ADA compliance standards. Parking is available nearby, ensuring that your visit is as hassle-free as possible. At Utility District, we understand the importance of being available when you need us. Our friendly staff is ready to assist you during our lobby hours from 8:00 AM to 4:00 PM, Monday through Friday. Although we currently do not offer drive-thru services or ATMs, our team is committed to providing personalized service inside the branch. We offer a range of services tailored to meet your financial needs be it personal banking with checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing options, or credit cards with rewards. Additionally, business banking solutions are available for entrepreneurs seeking merchant services and business loans. Have questions or need assistance? Don't hesitate to reach out! You can contact us at 510-287-0539. We invite you to visit Utility District today and discover how we can help you achieve your financial goals!

Member Eligibility

At Utility District, we believe that becoming a member is like joining a family one that supports and empowers you in your financial journey. If you're looking to be part of our community, we welcome individuals who live, work, or worship in the area around our branch at 2130 Adeline St Oakland Ca 94607. Whether you're a first-time member or someone looking to switch from a traditional bank, our doors are open to you! For more detailed eligibility criteria, feel free to check out our website at . Joining us is simple and straightforward! You can easily open an account by visiting us or giving us a call at (510) 287-0539. Our friendly team is here to guide you through the process and answer any questions you might have. By becoming a member of Utility District, you'll enjoy personalized services tailored just for you, along with access to a variety of financial products designed to help you achieve your goals. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine being able to process payments easily while also managing your cash flow effectively. Our merchant services make it simple for you to accept payments from customers, whether online or in-person. This means less hassle for you and a better experience for your customers, allowing you to focus on what truly matters: growing your business. Located at 2130 Adeline St Oakland Ca 94607 in Oakland, CA, we're here to help you navigate the financial landscape of business ownership. Contact us at (510) 287-0539 or visit us today to learn more about how we can support your business journey!

Tailored Financing 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.

Comprehensive List Of Services

Accessibility and Support

No matter where life takes you, our digital banking options ensure that accessing your account is simple and secure. With features like online banking, mobile payments, and even person-to-person transfers available at your fingertips, managing your finances has never been easier. In conclusion, whether you're in need of personal banking services or business solutions, Utility District is committed to helping you succeed financially. Our knowledgeable staff is always ready to answer any questions and provide guidance tailored specifically to you. Ready to explore how we can assist you? Give us a call at (510) 287-0539 or visit us today!

Business Banking Services

For entrepreneurs and small business owners, our business banking services include everything from merchant services to business loans. We know how hard you work to build your business; let us help streamline your banking processes so you can focus on what matters most growing your enterprise.

Credit Cards with Rewards

Don't forget about our credit cards with rewards, which allow you to earn points on every purchase. It's like getting paid for spending! Use these rewards for travel, shopping, or even paying down balances.

Home Financing Options

For those looking to purchase their dream home or refinance their current mortgage, our mortgage loans and refinancing options are designed to make home ownership attainable. We know that buying a home is one of the biggest decisions you'll ever make. That's why we take the time to walk you through each step of the mortgage process, ensuring you feel confident in your choice.

Loans for Your Needs

Need extra cash? Our personal loans and debt consolidation services can help alleviate financial stress. Whether it's unexpected expenses or consolidating existing debts into one easy payment, we're here to assist you in finding the right solution.

Personal Banking Solutions

When it comes to managing your day-to-day finances, our personal banking services have you covered. We offer checking and savings accounts that fit your lifestyle, making it easier than ever to save for future goals or simply keep track of your spending. Imagine having access to your funds anytime, anywhere, thanks to our robust online and mobile banking features. You can check your balance, transfer money, or pay bills with just a few taps on your smartphone.

Vehicle Financing

If you're considering buying a new car or need financing for an auto loan, we provide competitive rates on auto loans and vehicle financing. Picture driving off the lot with a vehicle that's perfect for you, all while enjoying manageable monthly payments tailored to fit your budget. Whether you're purchasing a new car or refinancing an existing loan, our team is here to guide you through the process.

Digital & Online Banking

Accessibility and Convenience

At Utility District, we believe that banking should fit into your lifestyle. That's why we offer features like person-to-person transfers to make sending money to friends and family effortless. If you need assistance or have questions about using our online services, don't hesitate to reach out at (510) 287-0539. Our commitment is to provide you with a banking experience that's both accessible and efficient. Explore all that our digital banking has to offer today at https://udcu.org/ your financial management has never been this easy!

Key Features

For those who enjoy convenience, our mobile application makes banking even simpler. You can access all your accounts right from your smartphone or tablet. Whether you're making person-to-person transfers or just checking your latest transactions, our app puts everything at your fingertips. While we currently do not offer electronic signature authorization or e-statements, we prioritize security and ease of use in all our services. Plus, if you're interested in making payments quickly, our mobile payments feature will soon be available to enhance your experience.

Financial Strength

Commitment to 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. Our lending capacity is further supported by $101 in used auto loans and $10,722,728 in total loans and leases, helping you achieve your financial goals across various sectors.

Growing Trust

With total share accounts reaching 3,650, we have built a strong and growing member base that trusts us with their finances. Our net shares amount to $241,782, indicating the funds available for lending and investments. 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 2130 Adeline St Oakland Ca 94607 or call (510) 287-0539 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-Centric Approach

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.

Operational Efficiency

Our commitment to efficiency is reflected in our $10,241, enabling 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

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.

Loan Offering

Additional Financing Options

In addition to these products, we provide other loan options such as personal loans and lines of credit designed to suit your unique circumstances. If you're considering refinancing your current loans, our team can help assess your eligibility and find opportunities that may save you money in the long run. At Utility District, we prioritize making financing accessible and straightforward. For more information about our loan offerings or to speak with one of our representatives, feel free to reach out at (510) 287-0539 or visit us at 2130 Adeline St Oakland Ca 94607 in Oakland, CA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial dreams!

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. Whether you're interested in financing a brand-new vehicle or a reliable used car, we've got options tailored just for you.

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 can assist with various mortgage solutions to fit your needs and budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This can be a great way to handle unexpected expenses or make larger purchases without depleting your savings.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan 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 to sourcing ensures that all loan offers are fair and transparent, allowing users to make informed decisions without hidden agendas.

UTILITY DISTRICT CREDIT UNION