Credit union · NCUA insured
UNCLE Credit Union
A $738M credit union headquartered in Livermore, CA, with 36,338 members and 5 branches in California. Best rates: CDs 4.33% and savings 0.30% APY.
UNCLE Credit Union Carrot Score
81
Carrot Score
Higher than 56% of U.S. banks and credit unions
#35 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About UNCLE Credit Union
Founded in 1957 by four physicists to serve Lawrence Livermore National Laboratory employees as Radiation Laboratory Livermore Credit Union, the credit union was renamed UNCLE Credit Union in 1988.
Headquartered in Livermore, California, UNCLE Credit Union operates five financial centers serving Alameda, Contra Costa, San Joaquin, and Stanislaus counties.
- Headquarters
- 2100 Las Positas Ct, Livermore, CA 94551-7301
- NCUA charter
- 64482
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or go to school in Northern California counties of Alameda, Contra Costa, San Joaquin, or Stanislaus are eligible for membership.
Employers and groups
- Individuals who belong to a select local association or are employees of a member company are eligible for membership.
Other ways
- Individuals who do not fit other criteria can join UNCLE Credit Union by first becoming a member of the Financial Fitness Association.
Cost to join
- Opening an account requires an initial share deposit of $5 or more.
- There is no membership fee to join UNCLE Credit Union.
Branches
5 branches in California
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California
5 branches
San Francisco area · 3
- Main OfficeMain office2100 Las Positas Ct, Livermore, CA 94551Directions
- Lab Office7000 East Ave Bldg 6425, Livermore, CA 94550Directions
- Pleasanton Branch1987 Santa Rita Rd Ste A, Pleasanton, CA 94566Directions
Stockton area · 2
- Stonecreek5757 Pacific Ave Ste 120, Stockton, CA 95207Directions
- Tracy Branch1829 W 11th St, Tracy, CA 95376Directions
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 | 8.28% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.60% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.28% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $95 | $76 | — |
- CapitalNet worth ratio8.28%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.60%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.28%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$95Peers’ 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 UNCLE Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.