Business Details
50+ Years
experience
Emergency
services
Your Trusted Financial Partner in Fresno, CA
United Local Credit Union is a member-owned cooperative financial institution dedicated to promoting financial stability and community growth. Established in 1953, we prioritize thrift and security while offering competitive savings rates and affordable lending solutions. As a not-for-profit organization, our member-driven model ensures policies reflect the collective needs of our community. Our services include personalized savings accounts, diverse loan products, and innovative digital banking tools. Governed by elected volunteer members, we maintain transparency and accountability through rigorous oversight and annual democratic elections.With a focus on local impact, we serve residents and workers in Fresno, Madera, Tulare, Kings, and Merced Counties. Our commitment to financial education empowers members to make informed decisions about money management, homeownership, and retirement planning. Through strategic partnerships like CO-OP ATMs, we provide convenient access to over 30,000 nationwide locations. Our mobile banking platform enables 24/7 account management, including automatic payments and real-time transaction monitoring. By combining personalized service with modern technology, we deliver banking solutions that prioritize member success and community development.
Services
Savings Accounts
Auto Loans
Personal Loans
Mortgage Products
Mobile Banking
Details
- Year established: 1953
Highlights and features
- We operate as a member-owned cooperative with democratic governance
- Our not-for-profit status enables competitive loan and savings rates
- We serve Central California communities with localized financial expertise
- 24/7 digital banking access through mobile and online platforms
- Comprehensive financial education resources for member empowerment
Associations and certifications
- NCUA
Services
Savings Accounts
We offer various savings solutions including traditional savings accounts, checking accounts, money market accounts, and IRAs. Our competitive interest rates help members grow their savings while maintaining liquidity. As a not-for-profit institution, we pass earnings back to members through improved rates and reduced fees compared to traditional banks.
Auto Loans
Our auto loan program provides financing for both new and used vehicles with competitive interest rates. Members benefit from personalized loan terms tailored to their financial situation. We offer convenient online loan applications and automated payment options for hassle-free vehicle financing.
Personal Loans
We provide personal loans for debt consolidation, home improvements, and other financial needs. Our lending specialists work directly with members to determine appropriate loan amounts and repayment terms. The application process includes clear disclosure of all fees and interest rates.
Mortgage Products
Our mortgage division offers comprehensive home financing solutions including purchase loans and refinancing options. Competitive rates and flexible terms help members achieve homeownership goals. We provide guidance through the entire mortgage process from pre-approval to closing.
Mobile Banking
Our mobile app enables 24/7 account access with features like mobile check deposit, bill payment, and real-time transaction alerts. Members can manage accounts, transfer funds, and monitor balances from any smartphone or tablet. The platform uses advanced encryption for secure financial management.
Questions
Who is eligible to join United Local Credit Union?
Anyone living or working in Fresno, Madera, Tulare, Kings, or Merced Counties can join. Members of local unions affiliated with the Central Labor Council and Retail Clerks in these counties also qualify for membership.
What digital banking services do you offer?
We provide free online banking, mobile banking apps for Android and iOS, automatic payments, and mobile check deposit. Members can manage accounts 24/7 through our secure digital platforms.
How do I report a lost or stolen debit/credit card?
Call 1-888-297-3416 immediately to report lost or stolen cards. Emergency card replacement services are available through VISA partners, with international assistance options for travelers.
What loan products are available?
We offer auto loans, personal loans, debt consolidation loans, home improvement loans, and mortgage products. Our lending specialists help members choose appropriate financing solutions with clear terms.
Are my deposits insured?
Yes, all deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), providing security for member funds.
How can I access cash when traveling?
Members gain free access to over 30,000 CO-OP ATMs nationwide. Emergency cash access services are available through VISA partnerships for international travelers needing immediate funds.
