Your hard work has paid off!
You’ve put in hard work through your Step Up program; now it’s time to reap the rewards. As a Step Up graduate, you are eligible for a special membership with 1st United Credit Union with no minimum credit score or credit history requirements*.
Here’s what’s included:
- Savings Account – You’ll earn interest on balances over $100.
- Checking Account with Debit Card – Includes free access to online banking and 30,000 surcharge-free ATMs nationwide. No direct deposit requirement, no minimum balance requirement, and no monthly fee.
- Secure Visa Platinum Card – A secured credit card requires a cash deposit that becomes collateral for the account. Credit limits begin at $250 with no annual fee. Once you save $250, we’ll issue you a secured credit card with that credit limit. We’ll even give you the first $50 to get you started.
Apply online or schedule an appointment at a local branch to get started. Use promo code STEPUP when you apply so we know it’s you.
Please call to apply for the secured credit card – do not apply online for this.
We’re Here to Help
Responsible money management is crucial to building a positive credit history – and we’re here to help. We invite you to meet with our branch staff quarterly (or more if you need it) by phone or in-person. We’ll help you with your accounts, guide you on building credit, and answer any questions you have. Your local branch staff will be reaching out to schedule time with you.
*Step Up membership available for graduates of the Alameda County Family Justice Center’s Step Up program only. This offer is non-transferrable and subject to change at any time. Certificate of Step Up completion must be provided as a condition of membership. Applicants with prior 1st United Credit Union accounts which resulted in a loss not eligible. Overdraft protection and courtesy pay require standard approval process. $50 incentive will be held for six months for secured Visa card and ineligible for withdrawal during that timeframe. Secured Visa: APR (Annual Percentage Rate) as of September 27, 2022, and is subject to change. APR is a variable rate currently at 9.90%. APR is tied to the Prime Rate and is based on creditworthiness. Foreign transaction fees are 2.00% of each transaction in United States dollars (USD) and may be assessed on purchases or online purchases made in the United States if the merchant is in a foreign country. Federally insured by NCUA.