What are the current interest rates at 1st United Credit Union?

Current rates for 1st United Credit Union include:

1st United Credit Union Rates and Review February 2026

Q: Is a member application needed to join 1st United Credit Union?

Yes, to access services at 1st United Credit Union, a member application is required.

Content reviewed by

Brian McKay

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1st United Credit Union Deposit Rates

You can compare 1st United Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.20%, 6-month share certificate rates at 1.25% and 3-month share certificate rates at 2.60%. Savings rates are at 0.35% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 6.09%. All these rates, and more, can be found in our database of rates which you can compare to 1st United Credit Union rates.

1st United Credit Union money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available.Have you opened an account or have any experiences at 1st United Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use .

1st United Credit Union Texas Ratio

1st United Credit Union's Texas Ratio is at 1.33%, which is considered excellent. The Texas Ratio for 1st United Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that 1st United Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.

MonitorBankRates Rating

5.0

Excellent

Out of 5.0 Stars

1st United Credit Union has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Overall, 1st United Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Product

APY/APR

vs.Avg

12-Month CD

N/A

2.38%

18-Month CD

N/A

2.14%

24-Month CD

N/A

2.17%

36-Month CD

N/A

2.11%

48-Month CD

N/A

2.10%

60-Month CD

N/A

2.23%

Savings

N/A

0.60%

MMA

N/A

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

1st United Credit Union
Main

5901 Gibraltar Dr
Pleasanton, CA 94588

https://www.1stunitedcu.org

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCELLENT

🏆

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Current Rate Availability

We do not have 1st United Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for 1st United Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather 1st United Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 1st United Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name: 1st United Credit Union

Website: https://www.1stunitedcu.org

Full Time Employees: 159
Part Time Employees: 9
President: Dave Macdonald
CEO: Stephen Stone
Branch Locations: 8
ATM Locations: 9

Corporate Office Address:

5901 Gibraltar Dr
Pleasanton, CA 94588
Phone Number: 800-649-0193
Fax Number: 925-598-4862

Financials

Total Assets:

1,234,607,427

Total Amount of Shares and Deposits:

1,082,989,624

Total Shares and Deposits < 1 Year:

953,080,948

Total Shares and Deposits 1 3 Years:

121,846,921

Total Shares and Deposits > 3 Years:

8,061,755

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):

96,063,760

Total Uninsured Shares and Deposits > $250K (F+J):

96,063,760

Total Insured Shares and Deposits > $250K (item 17 less item K):

986,925,864

Total Interest Expense (Sum of items 6 8):

10,102,040

Share Certificates:

12,164

Number of Accounts for Share Drafts:

31,880

IRA KEOGH Accounts:

1,871

Number of Accounts for Regular Shares:

67,515

Money Market Shares:

4,200

Net Income (unless the amount is already included in Undivided Earnings):

8,387,007

Total Cash on Deposit (Amounts Deposited in Financial Institutions):

101,430,220

Total Liabilities:

1,096,246,363

Source: NCUA Last Updated 09/30/2025

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Customer Reviews

Skhp

★★★★★

December 17, 2025

idcf

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for 1st United Credit Union

Frequently Asked Questions About 1st United Credit Union

Is a member application needed to join 1st United Credit Union?

Yes, to access services at 1st United Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, 1st United Credit Union provides a range of mortgage and home equity products.

Is 1st United Credit Union a safe place to deposit money?

Yes, 1st United Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.