Business Details
50+ Years
experience
Emergency
services
Your Community Partner for Reliable Banking Services
United Local Credit Union was established in 1953 as a member-owned cooperative dedicated to promoting financial stability and community leadership. Our democratic structure ensures members directly influence policies through annual elections and a one-member-one-vote system. We offer competitive savings rates, low-cost loans, and comprehensive financial services tailored to residents of Fresno, Madera, Tulare, Kings, and Merced Counties. Our not-for-profit model reduces operational costs, passing savings to members through favorable interest rates and fee structures. We provide free online and mobile banking solutions, including automatic payments and 24/7 card management features.With access to over 30,000 CO-OP ATMs, we ensure nationwide convenience while maintaining local community focus. Our governance includes volunteer members in three key roles: Board of Directors, Supervisory Committee, and Credit Committee. We emphasize financial education through wellness programs covering money basics, retirement planning, and homeownership. Annual meetings allow member participation in leadership selection and policy decisions. Our commitment to security includes proactive fraud alerts and education about scam prevention measures.
Services
Savings Accounts
Checking Accounts
Auto Loans
Personal Loans
Debit Cards
Credit Cards
Online Banking
Mobile Banking
Mortgage Products
Overdraft Services
Details
- Year established: 1953
Highlights and features
- We offer competitive loan rates through our not-for-profit cooperative model
- We provide free mobile and online banking with 24/7 card management features
- Our democratic structure gives members direct influence over financial policies
- We maintain strict security protocols with proactive fraud monitoring systems
- We offer access to 30,000+ nationwide CO-OP ATMs without transaction fees
Associations and certifications
- NCUA
- CO-OP Network
Services
Savings Accounts
Our savings accounts offer tiered interest rates for various financial goals, including standard savings, Christmas Club, and Money Market options. Members benefit from NCUA-insured deposits and no minimum balance requirements for basic accounts. These accounts provide foundational financial security while earning competitive dividends.
Auto Loans
We provide new and used vehicle loans with fixed interest rates and flexible terms up to 72 months. Online calculators help estimate payments, while pre-approval options streamline the car-buying process. Competitive rates reward members with good credit histories and responsible financial behavior.
Personal Loans
Our personal loans offer fixed interest rates for debt consolidation, home improvements, or unexpected expenses. Loan amounts range from $1,000 to $25,000 with terms up to 60 months. Application options include online submissions and branch assistance with personalized counseling available.
Mobile Banking
Our mobile app enables account management anytime, anywhere with features like mobile check deposit, bill payment, and transaction alerts. Users can transfer funds between accounts, monitor balances, and manage card settings including virtual number generation for secure online purchases.
Debit Cards
Visa debit cards provide convenient payment options with zero liability protection against fraudulent transactions. Cards connect directly to checking accounts and include advanced security features like temporary card number generation and real-time transaction alerts through our mobile banking platform.
Questions
How can I become a member of United Local Credit Union?
Open membership to anyone living or working in Fresno, Madera, Tulare, Kings, or Merced Counties, plus members of local unions affiliated with specific labor councils.
What online banking services do you offer?
Free online banking includes account management, bill pay, fund transfers, mobile check deposit, and customizable transaction alerts through our mobile app.
How do I report a lost or stolen debit card?
Call 1-888-297-3416 immediately to report lost or stolen cards and receive replacement instructions through our 24/7 card services.
What loan types are available?
We offer auto loans, personal loans, RV loans, home improvement loans, mortgage products, and VISA credit cards with competitive rate options.
Are my accounts insured?
Yes, all deposit accounts receive NCUA insurance up to $250,000 per ownership category through our federal credit union charter.
Do you have ATMs available?
Access over 30,000 CO-OP ATMs nationwide without surcharge fees, with locations searchable through our branch and ATM finder tool.
Reviews (4)
Mark Anthony R.
Jul 09, 2021
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Do not do business with this bank, I had to dispute over a overcharges, and overdraft Fees. I was given a paper to fill out. I completed form, and the bank manger or what ever her title there gave looks and signs to the teller to basically shred the form once i left because they where not going to help me. Most banks never give this much trouble over a dispute or fraud on an account, and i knew then, and there keep a vigil eye on the account and did not let any debt form any internet company process threw, but this bank would put holds on all e-commerce accounts and event checks, and after 5
Dawn Marie
Feb 13, 2021
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I use to love this credit union. I've been with them 30yrs. But this mobile pay system they have is horrible!! They always send confirmation of my deposits and don't release them when they are supposed to. They say it's because their provider is 2 hours ahead of them. Well, then they shouldn't offer the deposit times if they can't fulfil them. If you say you can deposit before 10am and then before 4pm then I think a deposit that is made at 3:25 pm or 9am qualify! I end up having to wait until 5:30 Monday evening to get a deposit I made at 3:25pm on Friday.
Frank Nunes
Nov 29, 2019
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Callie the assistant branch manager did some thinking outside of the box to come up with a work around a tough situation. Thank you.
Debra D.
Oct 28, 2019
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I've been with ULCU for 30 years and they have always been wonderful ! financed several cars and my home though them, will always be a member there. Also would like to acknowledge Catherine who is always friendly and helpful. Mark and Debra Daddato
