Business Details
50+ Years
experience
Emergency
services
Your Trusted Local Credit Union in Fresno, CA
United Local Credit Union is a member-owned cooperative financial institution dedicated to promoting financial stability and community empowerment. Established in 1953, we operate under a democratic governance model where each member has an equal voice in shaping our policies. Our not-for-profit structure allows us to offer competitive loan rates and superior savings returns while prioritizing member needs over profit margins. Governed by a volunteer Board of Directors, Supervisory Committee, and Credit Committee, we maintain rigorous financial oversight and transparency. With physical branches in Fresno and digital banking solutions, we serve residents and workers across five California counties.Our comprehensive services include consumer deposit accounts, lending products, and 24/7 access to over 30,000 ATMs. Through annual elections and member-driven decision-making, we uphold our founding principle of financial inclusion for all. Our team combines decades of local expertise with modern banking technology to deliver personalized financial solutions. As a trusted community partner, we remain committed to fostering economic growth and financial literacy through accessible, member-centric services.
Services
Savings Accounts
Checking Accounts
Auto Loans
Personal Loans
Mortgage Products
Free Online Banking
Mobile Banking
Credit Cards
Certificate of Deposit
IRAs
Details
- Year established: 1953
Highlights and features
- We offer competitive loan and savings rates as a not-for-profit institution
- Our democratic governance ensures member voices shape financial policies
- We provide 24/7 access to 30,000+ no-charge CO-OP ATMs nationwide
- Our local decision-making prioritizes community financial needs over profits
- We combine decades of experience with modern digital banking solutions
Associations and certifications
- NCUA
Services
Savings Accounts
Our savings accounts provide secure money management solutions with competitive interest rates. Members benefit from FDIC-insured options including standard savings, money market accounts, and IRAs. These accounts help build financial security while earning better-than-average returns through our not-for-profit structure.
Auto Loans
We offer competitive auto loan rates for new and used vehicle purchases with flexible terms. Our lending specialists work directly with members to structure affordable payment plans. As a member-owned institution, we prioritize personalized service over profit-driven lending practices.
Personal Loans
Our personal loans support debt consolidation, home improvements, and major purchases with transparent fee structures. Members access fixed-rate options and customized repayment schedules. The credit committee expedites applications while maintaining responsible lending standards.
Mortgage Products
We provide comprehensive mortgage solutions including conventional and specialty home financing options. Our local underwriting team offers personalized guidance through the home buying process. Competitive rates reflect our commitment to long-term community investment.
Online Banking
Our free online banking platform enables 24/7 account management with features like bill pay, fund transfers, and loan applications. Mobile app users access real-time transaction alerts and check deposit capabilities. Security protocols protect member data while maintaining convenient access.
Questions
Who is eligible for membership?
Anyone living or working in Fresno, Madera, Tulare, Kings, or Merced counties can join. Union members affiliated with local labor councils also qualify.
What digital banking options exist?
We offer free mobile banking apps for Android and iOS, online account management, and automatic payment scheduling for loans and bills.
How are loan rates determined?
Rates reflect our not-for-profit status and are set to benefit members. Competitive pricing comes from our community-focused financial model.
What security measures protect accounts?
We use NCUA insurance, encrypted digital platforms, and fraud monitoring systems. Staff never requests sensitive information via phone.
How does governance work?
Members elect volunteer directors annually. Our democratic structure ensures one-member, one-vote decision-making that prioritizes community needs.
What emergency card services exist?
VISA partners provide 24/7 emergency card replacement and cash access services for lost/stolen cards within the United States.
