1st United Credit Union, headquartered at 6300 College Ave, Suite 110, Oakland, CA 94618, is a member-owned financial cooperative that offers typical credit union services through its regional footprint. As an organization, it operates within the framework of cooperative finance, emphasizing member participation, democratic governance, and a mission-driven approach to expanding access to financial services for its community. The credit union’s history aligns with the broader evolution of credit unions in the United States, rooted in cooperative principles and a focus on financial inclusion, thrift, and mutual support among members.
Operationally, the institution provides core financial functions common to credit unions, including deposit services, lending activities, and basic financial products designed to meet the needs of its members. Its scope encompasses retail banking operations, member onboarding, and compliance with applicable regulatory frameworks that govern fiduciary responsibilities and consumer protection. The organization maintains a local presence intended to serve the financial needs of individuals and small groups within its service area, reinforcing the cooperative model’s emphasis on shared benefit and community resilience.
Better than 54% of providers in Oakland
In addition to the primary service, 1st United Credit Union also offers:
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1st United Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
1st United Credit Union is listed as a financial service provider in Oakland, CA and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask 1st United Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from 1st United Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare 1st United Credit Union with other providers in Oakland and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
1st United Credit Union has a rating of 4.1, which is better than 54% of providers in Oakland.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents 1st United Credit Union requests. It is always best to call ahead using the phone number on this page so 1st United Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, 1st United Credit Union also offers: Credit union, Bank, Business banking service, Car finance and loan company, Mortgage lender.