2024 Overview
General Credit Union Information
1st United is an NCUA insured institution located in Pleasanton, CA. It was founded in 1932 and has approximately $1224.51 millions in assets.
Who can join?
Membership is available to:
Anyone who lives, regularly works, or attends school in Alameda or Contra Costa Counties California, as well as any immediate family member of a current primary member.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 63958 |
| Date Established | 1932 |
| Assets | $1,224.51 million |
| Loans | $884.94 million |
| Deposits | $1,085.99 million |
| Capital | $131.12 million |
Field of Membership Restrictions
Membership in 1St United Services Credit Union is open to those who live, attend school or work in Alameda, Contra Costa, San Joaquin, Solano, Stanislaus, or Kings Counties in California.
Deposit Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.15% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for 1st United
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.944% | 6.750% | 1.00 | $6,400 | $2,076 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
NMLS ID: 491986 |
Learn More | |||||
NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to 1st United
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are 1st United branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
1ST UNITED is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
1st United Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of 1st United. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| 1st United | U.S. Average |
|---|---|
| 3.25% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, 1st United had $3,984,961 in non-current loans and $321,031 in owned assets. To cover these potential losses it had $131,115,366 in net worth and $1,547,018 in loans loss reserves. That gives it a Texas Ratio of 3.25%.
Net Worth
| 1st United | U.S. Average |
|---|---|
| 10.7% | 13.62% |
1st United FCU has a net worth of 10.7% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for 1st United
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