Alameda County Employees TEST
Local banking, with a partner you can trust
Your Credit Union. Your Employee Benefits.
As part of your benefits package, Alameda County employees have access to credit union membership including exclusive offers to help you save. As a local, not-for-profit credit union, we're here to be a financial partner you can rely on—whether you're managing everyday banking or planning for what's ahead.
Your Exclusive Offers:
Local Checking, Plus $250
Open a checking account using promo code AC250 and set up your payroll direct deposit of at least $1,000 per month for a minimum of two consecutive months in the first 60 days of account opening.
Auto or Personal Loan
.50% Rate Discount
Apply for an auto or personal loan using promo code ACLOAN50 and enjoy .50% rate discount on our already low loan rates.
Apply in Minutes
$199 Off Wills & Trusts
Use promo code AC199 at checkout to save $199 on any estate planning package through Legal Karma.
Start Your Plan Today
$50 For You. $50 For Them.
As a member, you can refer your family, co-workers—anyone you'd like. When they open a qualifying account, you'll both earn $50! Plus, there's no limit to how much you can earn.
One Free Skip Pay Per Year
Need a break from your loan payment?
You can skip your loan payment twice a year, but we'll waive one Skip Pay fee of $35 per year.
Learn About Skip Pay
Get Paid Early
When you have direct deposit with your 1st United account, you can get paid up to two days early.
Learn About Early PaydayBuilt for Alameda County Employees
1st United was founded in 1932 by Alameda County employees who wanted a better way to bank—one that put people first. That purpose still guides us today.
Local banking includes:
- Better value with competitive loan rates and saving options to help you grow your money
- Fewer fees so you keep more of what you earn
- Local service you can count on
- Trusted financial guidance at every stage
Member-Only Products & Perks
Everyday Banking
- Local Checking with perks like Cell Phone Protection, Roadside Assistance, Telehealth, and more—plus a $250 bonus!
- Savings options including high yield savings, certificates, money markets, and IRAs
- Purchase discounted gift cards and earn up to 20% instant cash back with CashBack+
Smart Loans
- Low-rate loans including auto, personal, and home equity
- Auto buying service through Autoland
- Skip your loan payment up to twice a year
Credit & Protection
- Credit cards — earn up to 3% cash back on everyday purchases with our Visa Platinum Rewards
- Visa benefits
- Debt protection
- Shop with confidence with Visa's Zero Liability Policy
More Ways We've Got You Covered
- Investment services*
- Insurance products including auto insurance, life insurance, and AD&D insurance
- 529 savings plan** for college and education (exclusive for Alameda County employees)
- Easy and affordable estate planning through Legal Karma
Easy Access to Your Accounts
- Local, Bay Area branches
- Set up direct deposit and get your paycheck up to two days early with Early Payday
- Online and mobile banking, including mobile deposit
- Nationwide ATM network
We look forward to meeting you!
Your Local Business Partner
At 1st United, we believe success happens through strong relationships. Whether you're a small business, nonprofit, or community partner, we're here to connect, collaborate, and help you thrive.
It's easy to join 1st United using our online application or by visiting one of our branches.
Membership is open to anyone who lives, works, or attends school in Alameda, Contra Costa, San Joaquin, Solano, Stanislaus, or Kings Counties, California.
Loan Rate Discount Offer: Auto: Loan cannot be used to refinance an existing 1st United Credit Union loan. Offer is for a limited time, may be changed or withdrawn at any time, and may not be combined with other offers. Rate discount is limited to one per product type. Loans are subject to credit approval. Your rate may vary based on creditworthiness, age or value of vehicle, amount financed, and terms and conditions. Add 2% for year models 2019 and older or mileage over 100K. Minimum loan $5,000; proof of insurance required. Refinancing may extend the term of your loan. Interest will continue to accrue during the 60-day no-payment period. Must use promo code ACLOAN50. Must qualify for membership. Account must be in good standing. Personal: Loan cannot be used to refinance an existing 1st United Credit Union loan or line of credit. Rate discount is limited to one per product type. Your rate may vary based on creditworthiness, amount financed, and terms and conditions. Available terms between 12 months and 60 months. No pre-payment penalty. Loans are subject to credit approval. Must use promo code ACLOAN50. Must qualify for membership. Account must be in good standing.
$250 Checking Account Offer: Offer not available to existing or additional 1st United checking accounts. We reserve the right to retain incentive if checking account is closed within six months. Checking account and debit card establishment are subject to approval using a third-party consumer reporting agency. Members age 17 and under require an adult joint owner. Checking Plus: Only available for members 18 and older. Earn $250 when you 1) open a new checking account using promotional code AC250 2) set up your payroll direct deposit of at least $1,000 per month for a minimum of two consecutive months in the first 60 days of account opening. Offer is subject to change or withdrawal at any time. Incentive will be credited on the 10th of the following month after two consecutive direct deposits are made.
Skip Pay : Skip Pay is limited to eligible loan types in good standing, open for a minimum of 180 days, and limited to one skipped payment per six-month period. Interest will continue to accrue during deferral period. If payment is not made with an internal scheduled payment transfer from 1st United Credit Union, member must cancel the payment and resume the payment after the skipped payment date. Other restrictions apply. See Terms and Conditions within online or mobile banking for complete details.
CashBack+ Details: Cardholders will earn 1% CashBack+ Balance on all spending with no cap and 3% CashBack+ Balance on purchases on these two categories: 1.Restaurants and 2. Gas/EV charging, with an annual cap of $4,000 in spending per category per credit card account. Annual is calculated per calendar year. Purchases in designated cash back categories beyond the annual cap will receive the standard 1%. 1st United does not control merchant category assignments and is not responsible for incorrectly coded transactions. CashBack+ Balance earned through spending will accrue on a monthly basis. CashBack+ Balance earned through gift card purchase will accrue immediately. CashBack+ Balance may be forfeited if account is not in good standing.
CashBack+ Details: Cardholders will earn 1% CashBack+ Balance on all spending with no cap and 3% CashBack+ Balance on purchases on these two categories: 1.Restaurants and 2. Gas/EV charging, with an annual cap of $4,000 in spending per category per credit card account. Annual is calculated per calendar year. Purchases in designated cash back categories beyond the annual cap will receive the standard 1%. 1st United does not control merchant category assignments and is not responsible for incorrectly coded transactions. CashBack+ Balance earned through spending will accrue on a monthly basis. CashBack+ Balance earned through gift card purchase will accrue immediately. CashBack+ Balance may be forfeited if account is not in good standing.
**If withdrawals are used for purposes other than higher education, the earnings will be subject to a 10% federal tax penalty in addition to federal and, if applicable, state income tax. Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value. Investors should consider investment objectives, risks, and charges associated with Section 529 plans prior to investing. Contact your investment representative or carrier for more information about municipal fund securities which is available in the issuer’s official statement or plan disclosure document which should be read carefully prior to investing. Most 529 plans are sponsored and administered by states. State tax benefits vary among the states, and some offer residents additional tax benefits if they invest in their own state plan. Consult a qualified tax professional for more information.
*Investment and insurance products and services are offered through Osaic Institutions, Inc., Member FINRA(Opens in a new Window)/SIPC(Opens in a new Window). Osaic Institutions does insurance business in California as Osaic Institutions Insurance Agency. CA Agency License #OH30186. Osaic Institutions and 1st United Credit Union are not affiliated. Products and services made available through Osaic Institutions are not insured by the NCUA or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any credit union or credit union affiliate. These products are subject to investment risk, including the possible loss of value.
Become a Member
Join 1st United Credit Union today!
Contact Us
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Calculators
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The Affordable Way to Manage Your Spending
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