Credit union · NCUA insured
1st United Credit Union
A $1.3B credit union, the 397th largest of 4,329, headquartered in Pleasanton, CA, with 61,429 members and 8 branches in California. Best rates: CDs 4.00% and savings 0.10% APY.
1st United Credit Union Carrot Score
73
Carrot Score
Higher than 34% of U.S. banks and credit unions
#50 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 1st United Credit Union
Founded in 1932, 1st United Credit Union has been providing financial services to the Bay Area as one of the first credit unions in California.
- Headquarters
- 5901 Gibraltar Dr, Pleasanton, CA 94588
- NCUA charter
- 63958
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, or attends school in Alameda, Contra Costa, San Joaquin, Solano, Stanislaus, or Kings Counties, California.
Employers and groups
- Membership is open to any member of one of the credit union's Select Employee Groups (SEGs).
Family and household
- Membership is open to any immediate family member of a current primary member related by blood or marriage, including living or not living in the same household.
Branches
8 branches in California
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California
8 branches
- MainMain office5901 Gibraltar Dr, Pleasanton, CA 94588Directions
- Alameda Branch2680 5th St Ste A, Alameda, CA 94501Directions
- Castro Valley Branch3365 Castro Valley Blvd, Castro Valley, CA 94546Directions
- Fremont Central Branch2710 Mowry Ave, Fremont, CA 94538Directions
- Hayward Branch109 Review Way, Hayward, CA 94544Directions
- Livermore Branch4518 Las Positas Rd, Livermore, CA 94551Directions
- Oakland - Rockridge Branch6300 College Ave Ste 110, Oakland, CA 94618Directions
- San Leandro Branch600 Bancroft Ave, San Leandro, CA 94577Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.16% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.25% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.75% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $74 | $88 | — |
- CapitalNet worth ratio12.16%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.25%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.75%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$74Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of 1st United Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.