Credit union · NCUA insured
PremierOne Credit Union
A $656.4M credit union headquartered in San Jose, CA, with 27,435 members and 6 branches in California. Best rates: CDs 3.50% and savings 1.00% APY.
PremierOne Credit Union Carrot Score
85
Carrot Score
Higher than 69% of U.S. banks and credit unions
#10 of 39 in San Jose, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About PremierOne Credit Union
PremierOne Credit Union is a member-owned, not-for-profit financial cooperative with 90 years of experience serving its members.
The credit union serves individuals who live, work, attend school, or worship across nine California counties, including Santa Clara, Santa Cruz, Monterey, San Benito, Alameda, San Mateo, Merced, San Joaquin, and Stanislaus.
- Headquarters
- 6640 Via Del Oro, San Jose, CA 95119
- NCUA charter
- 68540
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Any person who lives, works, attends school, or worships in Santa Clara, Santa Cruz, Monterey, San Benito, Alameda, San Mateo, Merced, San Joaquin, or Stanislaus County is eligible for membership.
Family and household
- Immediate family members of current members may qualify to join.
Branches
6 branches in California
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California
6 branches
San Jose area · 5
- CorporateMain office6640 Via Del Oro, San Jose, CA 95119Directions
- Gilroy1415 1st St Ste 101, Gilroy, CA 95020Directions
- Almaden5353 ALMADEN EXPY Ste 80, San Jose, CA 95118Directions
- Asbury140 Asbury St, San Jose, CA 95110Directions
- Arques Branch1193 E Arques Ave, Sunnyvale, CA 94085Directions
San Francisco area · 1
- Sequoia530 El Camino Real, Redwood City, CA 94063Directions
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 | 9.71% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.25% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.40% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $87 | $76 | — |
- CapitalNet worth ratio9.71%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.25%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.40%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$87Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 PremierOne Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.