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United Local

3650 E Ashlan Ave, Fresno, CA 93726
NCUA Insured3.3 (36 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

3650 E Ashlan Ave

Fresno, CA 93726

Service Area

This credit union is located in Fresno and serves members in the CA area. Currently serving 7,758 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.44%

Used Auto Loan

6.20%

Personal Loan

10.65%

Credit Card APR

10.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.3

36 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Dione Smith

Dione Smith

11 months ago

I deposited a check here and there is no record of me even being there. Nothing shows up as if I didn’t even go there. I think they stole my money. I’m going there today. They will be dealing with my attorney. This is bs. Where is my 7600,00 dollars. ???? I called and called only to get put back to auto mated services I can not get a hold of a real person. Irritated. Once I get a hold of my money I’m closing this account. Peace out. Do not open an account here. Unprofessional. Where I is my money and my account. I’ve waited the 7 days. Now give me my money !!!! I should have gone to BANK OF AMERICA UNITED LICAL SUCKS

Nicole Wohler

Nicole Wohler

a year ago

Extremely disappointed with United Local Credit Union. My elderly father, who has banked here for 40 years, was a victim of fraud, and instead of helping him, the bank denied his claim without properly investigating. He did not authorize those charges, yet they refused to take action. It’s unacceptable for a bank to ignore vulnerable customers who need protection the most. This experience has shown that United Local Credit Union does not prioritize its customers’ security or well-being. I would strongly recommend banking elsewhere.

Robert G

Robert G

a year ago

I see the bad reviews on here and I'm a little surprised, my experience here has been very good. I've been with them for 3 years and I've refinanced 2 vehicles with them. One loan they beat by 13% and the other by 6 if I remember correctly. The staff has been very helpful when I needed them. The only reason for 4 stars instead of 5 is because of their dreadfully outdated app. It's not straightforward at all when trying to keep track of your checking account transactions.

Carlos Gutierrez

Carlos Gutierrez

3 years ago

ABSOLUTELY HORRIBLE CUSTOMER SERVICE This lady Toni or Tonya, was absolutely horrible when trying to talk to her. When discussing charges she was so rude and unhelpful. Saying they couldn't see money pending in but we're able to see charges pending. Which in that by it self is sketchy. She said she sees what we see online but online showed the pending money coming IN. But to her it was invisible. She refused to transfer us to a manager for her rude behavior and attitude. And on the phone told us to come in with some sort of fighting attitude like she wanted to fight us PHYSICALLY. What was a simple call turned into some sort of fight. Honestly don't bank with them if their CUSTOMER SERVICE, the front line people to help us financially want to pick fights. The experience with them has absolutely declined over the years. And needless to say this account will be closed as of tomorrow because of the horrible experience with Toni. I'm sure the rest of the staff are great but you can't really get passed this lady.

Dawn Marie

Dawn Marie

5 years ago

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.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).