What 1st United Credit Union does

1st United Credit Union is a member-owned, not-for-profit cooperative financial institution founded in 1932 and headquartered in Pleasanton, California. It is federally insured by the NCUA and serves individuals who live, work, or attend school in six California counties — Alameda, Contra Costa, San Joaquin, Solano, Stanislaus, and Kings — through eight branch locations across the East Bay plus a digital channel.

The credit union operates a comprehensive consumer and small-business banking franchise spanning deposits (checking, savings, money market, certificates, IRAs, business accounts), consumer credit (auto loans, mortgages, home equity lines and loans, personal loans, share-secured loans, and Visa credit cards including a share-secured card), and youth financial-literacy products. Wealth-management and investment services are delivered through a partnership with Gateway Services Group on the Osaic platform; insurance and AD&D coverage are also offered. The digital stack comprises a web-based online banking platform, a mobile app for iOS and Android (mobile deposit up to 5 p.m. PT), a Card Controls companion app, the Money Manager aggregation tool covering 12,000+ financial institutions, mobile-wallet tokenization across Apple Pay, Google Pay, Samsung Pay, and Visa Click to Pay, free bill pay, customizable account alerts, and Skip Pay loan-payment deferral. Distribution is augmented by the CO-OP ATM network providing access to over 30,000 fee-free ATMs (7,500+ deposit-taking) in 50 states and 10 countries.

Revenue is generated through net interest income on loans and deposits, fee income (overdraft, Courtesy Pay, Skip Pay $35 per skip, gift-card and wire fees), Visa debit and credit card interchange, and commission-based insurance and investment services. Acquired customers primarily through branch presence, community involvement, financial education content (MoneyWise blog and 50+ calculators), and referral programs ($50 referral incentive); a non-profit cooperative structure returns profits to members via higher savings yields (up to 3.20% APY on tiered high-yield savings) and lower loan rates (auto refi from 4.99% APR, personal loans from 7.99% APR).

Name

1st United Credit Union

Legal name

1st United Credit Union

Website

https://1stunitedcu.org

Company type

Private

Founded year

1932

Operating status

Operating

Headcount range

101–250 employees

Short description

1st United Credit Union is an NCUA-insured, member-owned cooperative founded in 1932, headquartered in Pleasanton, California, serving consumers and small businesses across six California counties through eight branches and a full digital banking platform offering deposits, consumer loans, credit cards, and wealth management via the Osaic platform.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Card Issuing (522210)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

• Retail banking services
• Credit union membership
• Consumer lending
• Mortgage financing
• Wealth management services

Headquarters

HQ city

Pleasanton

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Interest income from loans (auto, mortgage, personal, credit cards, home equity) minus interest paid on deposits (checking, savings, certificates, IRAs). As a credit union, profits are returned to members through better rates on loans and deposits.
2. Fee Income: Various fees including Skip Pay processing fees ($35 per skip), overdraft fees ($14), Courtesy Pay fees, ATM fees from external institutions, wire transfer fees, and account service fees
3. Card Interchange: Interchange fees from Visa debit and credit card transactions processed through the network
4. Insurance and Investment Services: Commission revenue from insurance products (auto, home, life, AD&D) and investment/wealth management services offered through partnerships

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

1st United Credit Union is a member-owned, not-for-profit cooperative financial institution serving Bay Area communities since 1932. It provides deposit products (checking, savings, money market, certificates, IRAs, business and youth accounts), lending products (auto, mortgage, home equity, personal, share-secured loans and Visa credit cards), Visa gift cards, insurance services, and wealth management delivered through the Osaic platform. Members access accounts via eight physical branches, an online banking platform, a mobile app, and the CO-OP shared ATM network.

Product overview

1st United Credit Union operates as a single, unified credit union offering a comprehensive suite of financial products and services to its members. The core portfolio includes deposit products (checking, savings, certificates, IRAs, and business accounts), loan products (auto loans, mortgages, home equity, personal loans, and credit cards), and digital banking services. The digital banking platform serves as the primary channel for account management, offering online and mobile banking with integrated tools including Money Manager (financial aggregation), Card Controls, Mobile Deposit, Mobile Wallet (Apple Pay, Google Pay, Samsung Pay, Visa Click to Pay), Bill Pay, and Skip Pay. Wealth management services are delivered through the Osaic platform via Gateway Services Group partnership. The credit union also provides educational resources including over 50 financial calculators and a MoneyWise financial education blog.

Differentiator

Problem solved

Functional benefit

Products and services

• Checking Accounts Free checking account with no monthly fee and no minimum balance, with full digital access via online and mobile banking for individual members.
• Savings & Money Market Accounts High Yield Savings with tiered rates as high as 3.20% APY combining high yields with liquidity, plus money market account options for individual members.
• Certificate Accounts Term deposit accounts (CDs) offering competitive fixed rates with CD laddering options to maximize savings for individual members.
• Individual Retirement Accounts (IRA) Tax-advantaged retirement savings accounts including Traditional IRA and Roth IRA options for long-term financial planning by individual members.
• Business Accounts Checking and savings accounts designed for business members to manage business finances and cash flow.
• Youth Accounts Savings and checking accounts for young members including the Road to Savings program with prizes for saving behavior, aimed at building early financial literacy.
• Auto Loans New and used vehicle financing with rates as low as 4.99% APR for refinancing plus 60-day no-payment option, supported by AutoSMART shopping and auto buying service.
• Mortgage Loans Home purchase financing and refinancing options with a free home loan check-up, available to members in the six-county Bay Area service region.
• Home Equity Loans & Lines Home equity loans and lines of credit allowing members to borrow against their home's equity for improvements or other financial needs.
• Personal Loans & Lines Unsecured personal loans with rates as low as 7.99% APR, terms up to 60 months, and loan amounts up to $25,000 for any purpose.
• Share Secured Loans Loans secured by savings account deposits that allow members to build credit while keeping their savings intact.
• Credit Cards Visa Platinum card with low rates for purchases, cash advances and balance transfers, including a Rewards variant with point-earning capabilities.
• Visa Platinum Share Secured Card Credit-building card requiring a security deposit ($250 minimum, $2,500 maximum) at 10.90% APR variable, no annual fees, with payments reported to all three major credit bureaus.
• Visa Gift Cards Prepaid Visa gift cards available in $10 to $1,000 increments at branch locations, with promotional $0 purchase fees until June 30, 2026.
• Online & Mobile Banking Digital banking platform providing 24/7 account access, transfers, bill pay, mobile deposit and account management through web and mobile app for members.
• Investment & Wealth Management Services Wealth management and investment services offered through the Osaic platform via Gateway Services Group partnership, providing access to licensed advisors and investment products.
• Skip Pay Service Pay-as-you-go loan payment deferral service allowing members to skip one payment per eligible loan every six months for a $35 processing fee per skip.
• Insurance Services Personal insurance offering covering auto, home, life and accidental death & dismemberment (AD&D), distributed through partnership arrangements.

Quantifiable outcome

• Exceeded expectations on the Osaic platform in second year
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Gateway Services Group / OsaiccoreChannel Partner/ Reseller/ Distributor · 1 January 20251st United Credit Union is a partner on the Osaic platform through Gateway Services Group's Wealth Management Division. The partnership provides wealth management and investment services to 1st United members. The credit union exceeded expectations in their second year on the platform, contributing to GSG's record-breaking 2025 results with over $18.4M in combined revenue across the credit union partner portfolio.
• CO-OP ATM NetworkcoreTechnology or Integration1st United Credit Union is part of the CO-OP ATM network, providing members with access to over 30,000 fee-free ATMs nationwide across all 50 states and 10 countries. Over 7,500 of these ATMs also accept deposits. The partnership allows 1st United members to use ATMs at other credit unions, Costco, and 7-Eleven locations without fees.
• Other Credit Union Partners (Bellco, Arizona Financial, Monterra)minorStrategic or Co-development Partner1st United joined other credit unions including Bellco Credit Union, Arizona Financial Credit Union, and Monterra Credit Union on the Osaic platform managed by Gateway Services Group, sharing best practices and collaborative program management for wealth management services.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/1stunitedcu
• LinkedInlinkedin.com/company/1st-united-services-credit-union
• Instagraminstagram.com/1stunitedcu
• Xx.com/1stunitedcu

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 1st United Credit Union