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Operating Engineers Local Union #3

P O BOX 5073, Livermore, CA 94551
NCUA Insured3.3 (18 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1963

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

Location & Directions

Address

P O BOX 5073

Livermore, CA 94551

Service Area

This credit union is located in Livermore and serves members in the CA area. Currently serving 121,254 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

5.58%

Used Auto Loan

6.23%

Personal Loan

13.40%

Credit Card APR

15.46%

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(27 total)

Member Reviews

3.3

18 Google reviews

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

View on Google Maps
Jluis Billa

Jluis Billa

3 months ago

What’s the purpose of asking for a loan As a union member in construction I get time off in rainy season it don’t mean in laid off if I was working thsts 6k a month then I wouldn’t need a loan some what policies all they have to say it’s sorry

Stephanie Hebert

Stephanie Hebert

6 years ago

Horrible. Do not recommend at all. I submitted a loan application for two investment properties at the beginning of March. I was quoted a rate and was told that rate would be honored due to their delayed response times because of the increase in applications they received. I had called everyday after I submitted my application to check in and was told not to worry my rate would be honored. It took the loan officer (Noley) over a week to call me and he told me they can’t honor the rate they quoted me because they don’t do investment property loans it’s through another company and they have no control over it. Why was this never disclosed in the beginning? If they don’t do investment loans why would I submit an application through them when I could have just contacted that mortgage company directly? I asked for a manager to call me. I had to leave 3 messages over several weeks for the manager Joey to call me back. When he did call he said there’s nothing that they can do about it. He was unsympathetic, unapologetic and defensive during conversation. Mind you this whole process took over a month just for me to finally talk to a manager for them to say there’s nothing they can do. Horrible business model and customer experience. Don’t bank or submit loans through them, they are awful. Take your money elsewhere. I sure will be. I’ll also be filing a complaint and letting the branch manager know.

Baxter Stockman

Baxter Stockman

7 years ago

Quiet, professional place with prompt service from well-informed staff. Interesting architecture and layout, especially the driveway and parking lot. It's almost as if they don't want people to easily get from the door to their car or be able to drive a vehicle right to the front door and park there or something. You'll see what i mean when you get there.

Anthony Fresquez

Anthony Fresquez

3 years ago

Been a member for 20 years and not until now have I wanted to leave Oefcu. Terrible customer service as of late(from one person not all I talked to) Would not recommend to anyone.

Maegan Warr

Maegan Warr

6 years ago

I had horrible service, rarely was updated or received confirmations from staff on behalf of my client who is buying a home out of state. Even the branch manager was snarky and rude when I expressed my disappointment in the service.

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).