1st United Credit Union
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1st United Credit Union
Text your besties, call your colleagues, fill in your family - When they open a membership with a qualifying account, you'll both receive $50! Learn how to get your finances back on track after a job loss, medical crisis, natural disaster, or other setback. We have heard from several members that fraudsters are impersonating 1st United Credit Union.

Please protect your accounts by understanding this situation fully. Members 18 and over can volunteer to serve on our Board of Directors or Supervisory Committee.
Services
Find a 1st United Credit Union branch conveniently located in your neighborhood, including Alameda, Berkeley, Castro Valley, Fremont, Hayward, Livermore, Oakland, Pleasanton, and San Leandro. In addition, 1st United Credit Union is part of the CO-OP ATM Network. This means that our members can use over 30,000 ATMs nationwide - more than any other bank!
Feel free to email us directly at email@1stunitedcu.org. To send us a secure message, log in to your account and select Messages from the main menu. To help avoid interrupted service on your card(s) while traveling, please let us know about your upcoming trip. Simply email us, call us at (800) 649-0193, or send us a secure message in online or mobile banking to let us know your travel dates.
Our certificate accounts help you earn a higher yield on your savings without the risk of stock market fluctuations. That means, your money stays put while you earn dividends. As a not-for-profit financial institution, we believe in celebrating financial literacy. That's why we offer special accounts to help youth and young adults get started on the road to a bright financial future.
As a not-for-profit financial institution, we believe in the importance of saving for life's many moments. In order to start your Credit Union membership, we require a $5 savings account. After that, we encourage you to continue growing your savings. We offer several options to put you on the road to financial success.
An important component to financial health is ensuring you have a secure future. Whether it's decades from now or right around the corner, an Individual Retirement Account (IRA) can help you save for your retirement. With an IRA, you can contribute money annually based on what you've earned or up to IRS-established limits on age and income.
Reviews (19)
Kathy E.
Kathy E.
Jan 29, 2022
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OMG! We have an account at 1st USCU in the name and ID number of an irrevocable trust. After about 10 years of correctly reporting the interest, the 2020 Form 1099-INT was incorrectly reported to the trustee's ID. After MANY emails and phone calls we finally received a corrected 1099. Just received the 1099 for 2021 - WRONG AGAIN!

We have a second account opened in the name of our Living Trust. Again, after several years, 1st USCU changed it to a joint account. Yikes, I don't know what is going on but I DO NOT RECOMMEND this credit union.
Edwin V.
Edwin V.
Sep 02, 2021
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The bank reached out to me to clarify the situation. They are actually unable to clear a large cashier's check on the same day, although ten days does seem excessive. Other banks may have other processes in place for immediate clearing of checks, but I understand that check holds are a financial safety precaution. Moving forward, wire-transfer is the way to go --- in-person with a paper check, not so much.
Sheila G.
Sheila G.
Feb 11, 2020
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Great great customer service...In my book # 1. Will help with all service compare to Regular banks...I'm staying with 1st United...Hope you join Us !
Bailey S.
Bailey S.
Feb 08, 2020
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Friendly people and great service! I sign up for a 3 different accounts within 45 minutes. They even showed me how to use the banking app!
Becky H.
Becky H.
Feb 06, 2020
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Outstanding service by Lucia. She helped with all my concerns. She helped me re establish my credit, connected me with Shawn in the lending department. They both were great and gave me a credit instantly.
Steven B.
Steven B.
Nov 09, 2019
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I really appreciate the assistance I got from Chenoa today. Someone had hacked into my checking account and she took care of everything in short order. I have consistently had good service from 1st United whether in a branch, online or on the phone. They are highly attentive to issues and offer excellent customer service. I would highly recommend this financial institution!
Kerry M.
Kerry M.
Mar 12, 2019
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Great service with patience and understanding during my auto loan application. Chenoa is was great.... explained everything so well... and was incredibly helpful!
Diane H.
Diane H.
Mar 02, 2019
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I am a new member who worked with Rose who set me up. I have a new checking and savings account. I appreciate the personalized service and sound financial advice.
Nick B.
Nick B.
Feb 19, 2019
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Got great service. Joey helped me setup everything including my phone app. Moving my bucks to local use. Credit unions invest locally.
Adriene C.
Adriene C.
Feb 11, 2019
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I came here to open a business account but the city of Oakland has some challenges with paperwork. Chenoa tried every possible search option to find the license in the database - the license that was right in front of her, from the city of Oakland, that came from the database she was searching in. I ended up realizing that a full fledged business account wasn't necessary.
Chenoa gave me top notch customer service that included information, compassion and helpful suggestions.
I am very glad to have found 1st United Credit Union!
(Btw, the security system is great, better too secure than not
Andre M.
Andre M.
Jun 28, 2018
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Chenoa is AMAZING...She is not merely a bank teller she is an financial/credit expert. She is informative, patient and kind. Chenoa assisted me in purchasing a car, restoring my credit score (710 and growing) and being very diligent regarding my spending. She is positioning my financial portfolio to grow and become very healthy and diversified!!!
Great Job Chenoa, keep up the good work!!!
Best,
Andre & Juanita
David N.
David N.
Jun 07, 2018
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This CU is a partner with my financial institution, Golden 1. I use the ATM for most of my banking needs.

Except, they would not sell me a roll of quarters. I needed open an account.
Christof N.
Christof N.
Feb 22, 2018
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The ATM essentially ate my money without crediting my account. I am eight days in and still have not recieved my money. What if I needed to pay rent? Eat? Horrible experience.
Karen N.
Karen N.
Dec 12, 2017
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I love credit unions but this branch or bank is hard to love. First, they make it literally impossible to get in the door with an impossible security door system. Second, the staff are either poorly trained or or their systems just plain stink because doing anything takes three to four times as long as any other bank or credit union I've been to. The only good thing is that there are never any lines here - although it's mitigated by the slowness of the tellers.
Nim D.
Nim D.
Feb 12, 2017
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Chenoa, is totally my favorite person at this establishment. She has been so very helpful in assisting me through a fraud issue that got me all my money back. She maintained her professionalism, skills, knowledge and all around kindness. I felt I was in the very best hands through this situation that was resolved quickly. Thank you, Chenoa!!!
Gina B.
Gina B.
Oct 26, 2016
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I appreciate this Credit union; I have a low interest Auto loan, and Credit card. Also, a savings and checking account. My one challenge with 1st United is they do not offer Business accounts. I prefer to do all of my banking in one place. I understand they used to offer this service, and are considering doing so again.
Efren H.
Efren H.
Feb 05, 2016
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The staff is very friendly and helpful. I always wanted to belong to a credit union, and I was not disappointed by their service. They helped my partner and I get a car loan. I thought the process was going to be very stressful, but with 1st United the process was very fast and stress free. I look forward to do all my business with them.
Auriyon J.
Auriyon J.
Dec 05, 2015
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Every freaking time I come here the ATM's are broken. I'm so sick of this place. I'm leaving this bank. They have like 5 locations all spread apart, no working ATM's at any of their locations. EVERY SINGLE WEEKEND ITS BROKEN!! I can't even rely on these people who don't know how to run a bank with a ATM. I need to leave this stupid bank.
Kerri C.
Kerri C.
Nov 27, 2015
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I love coming to this location because of the short line and great parking. It's also very close to other places, one stop shop for food and than right to the credit union. The limit for my debit card $1500! That's amazing! Staff is also very friendly and outgoing!