Consumer Guides Credit Unions A resource of products and services
Bay Area News Group Advertising Section | October 18, 2026 001
A different way to manage money: Understanding the credit union model For many consumers, the choice of where to manage their money comes down to a simple reevaluation of daily financial habits. Across the country, everyday depositors are taking a closer look at their checking and savings accounts, asking what kind of structure best serves their long-term goals. While large commercial banks offer vast corporate networks and standardized services, a growing number of people are discovering that credit unions offer a distinct alternative tailored around local community needs. Rather than relying solely on global banking structures, millions of households are choosing to explore financial institutions built around a shared, cooperative model. At first glance, a credit union looks like any standard bank. There are brick-andmortar branches, debit cards, mobile apps, and street-corner ATMs. But beneath the surface lies a fundamentally different architecture—one defined by community cooperation and shared ownership. The Historical Roots of Cooperative Banking The cooperative banking model emerged
in 19th-century Europe as a response to economic hardship. Working-class families, farmers, and artisans found themselves routinely shut out of traditional commercial banks, which preferred serving wealthy elites and industrial corporations. Left with few options, everyday workers pooled their modest savings to lend money to one another at
fair rates. When this movement crossed to North America in the early 20th century, it retained that core principle: people helping people. Early credit unions formed around shared bonds—groups of teachers, factory line workers, municipal employees, or residents of agricultural towns. While eligibility requirements have
broadened to welcome almost anyone in a given geographic region, that founding spirit of mutual self-help remains the bedrock of the system. The Power of Being an Owner Traditional commercial banks are investor-owned corporations traded on public stock exchanges. Their primary legal obligation is maximizing
value for shareholders. Every fee charged, interest rate set, and product offered is designed through a lens of corporate earnings and quarterly dividend payouts. Credit unions, by contrast, operate as non-profit financial cooperatives without stockholders. The moment an individual opens an account and deposits a nominal
amount—often as little as five dollars—they become a memberowner. This structural difference changes the dynamic completely. Every member holds an equal vote in electing the volunteer board of directors overseeing the institution, regardless of whether their balance is fifty dollars or fifty See CREDIT UNION Pg 8
Could Refinancing Your Auto Loan Save You Money? A lower rate or different loan term could put more money back in your budget.
BY 1ST UNITED CREDIT UNION
Most people know they can refinance a mortgage, but refinancing an auto loan is often overlooked. Depending on your current loan and financial situation, refinancing could help lower your monthly payment, reduce the amount of interest you pay, or help you pay off your vehicle sooner. Why Consider Refinancing? Interest rates and your financial situation can change after you purchase a vehicle. If you qualify for a lower rate today than when you originally financed your car, refinancing could potentially save you money. For example, lowering the interest rate on a $30,000, five-year loan from 7% to 6% could save more than $800 in interest over the life of the loan.
Refinancing may also help you: • Lower your monthly payment and create more room in your budget. • Pay less interest over the life of your loan. • Shorten your loan term and pay off your vehicle sooner. • Improve your monthly cash flow, making it easier to work toward other financial goals. Does Refinancing Make Sense for You? Refinancing isn’t automatically the right move for every borrower. Start by looking at your current interest rate, monthly payment, remaining balance, and how many months you have left on your loan. Then compare those numbers with the terms of a potential new loan. Consider
1st United Credit Union Lending Team Members
what matters most to you: lowering your monthly expenses, paying off your vehicle faster, or reducing your total interest costs. Even a small difference in your rate could add up over time.
Take a Fresh Look at Your Auto Loan. You probably shopped around before choosing your vehicle. It can be just as worthwhile to periodically review your auto loan.
If your credit has improved, rates have changed, or you simply haven’t reviewed your auto financing recently, it may be worth seeing whether refinancing could help you save.
See how the numbers add up. Visit 1stunitedcu.org/ auto-rates to view our current auto loans rates and use our auto loan calculator to estimate your potential savings.
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Monterra Credit Union: Delivering Community-Focused Financial Services and Value Across the Bay Area Monterra Credit Union is a leading member-owned financial institution based in Redwood City, serving more than 100,000 members across the Bay Area. Founded in 1952 and formerly known as San Mateo Credit Union, Monterra manages nearly $2 billion in assets. As a not-for-profit credit union, Monterra reinvests its earnings to offer competitive rates, affordable loans, and accessible financial services. Personal and business banking services include checking and savings accounts, credit cards, vehicle loans, and home loans.
Membership is open to individuals who live, work, worship, or attend school in San Mateo, Alameda, Contra Costa, Santa Clara, and San Francisco counties. With seven branches, access to 30,000+ surchargefree ATMs nationwide, and robust digital banking, Monterra provides convenient, community-focused service. Monterra is also committed to advancing local financial wellness through grants, scholarships, and programs that strengthen the economic health of the communities it serves.
A family receives a warm welcome at a Monterra Credit Union branch, reflecting the credit union’s commitment to personal service.
A view of the coastline in the Half Moon Bay area, where Monterra Credit Union serves the local community.
Monterra Credit Union’s headquarters in Redwood City, California.
on A rate you can count o
% APY Y 4.70
Up to
*
Certifica e 12-Month Certificate
When the world feels uncertain, lock in certainty. certain Get a high rate for 12 months with federally ins insured deposits at a financial institution trusted by Bay Area professionals since 1959.
The #1
Anyone can apply + new members can earn cash bonuses
most rewarding banking experience
Scan here to open a Certificate sfcu.org/certificate
Federally Insured by NCUA. Membership eligibility required. *APY= Annual Percentage Yield. The disclosed APYs were accurate as of 10/1/26 and are subject to change without notice. A checking or savings account is required with Stanford FCU to open a Certificate. Minimum opening deposit is $100 with no maximum. Dividends are compounded and paid monthly. Early withdrawal penalties apply and may reduce earnings. Once a Certificate is opened, the rate remains fixed through maturity. At maturity and during the grace period, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends seven calendar days later. The 12-Month Certificate rate shown includes a .50 bonus for active and engaged members through our Loyalty+ program. Visit sfcu.org/loyalty for Loyalty+ Ambassador requirements. At maturity, the 12-Month Certificate automatically renews at a 12-month term at the rate in effect on the maturity date. Learn more and apply by visiting sfcu.org/certificate or any branch.
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Auto Refinance Rates as Low as
4.99% APR
No Payments
Apply with
Promo Code
LOCALREFI
for 60 Days
Hey, neighbor! If you’re paying more than you’d like on your auto loan, bring it to 1st United. Refinancing
at a lower rate could reduce your monthly payment and leave more room in your budget.
Why Make the Switch? Discounted rates as low as 4.99% APR
No payments for 60 days
Friendly, personalized service from your neighborhood Credit Union
Make the Switch Today
Apply using promo code LOCALREFI by December 31, 2026 to take advantage of this special offer.
Scan the QR code to apply or visit 1stunitedcu.org/localrefi.
APR (Annual Percentage Rate) as of September 1, 2026. Offer available using promo code LOCALREFI and expires December 31, 2026. Loan cannot be used to refinance an existing 1st United Credit Union loan. Offer may be withdrawn at any time and may not be combined with other offers. 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 model years 2019 and older or mileage over 100,000. Minimum loan amount is $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. Loan payment example: $16.10 per month for each $1,000 borrowed at 4.99% APR for 72 months. Membership is required to open a loan. Anyone who lives, works, or attends school in Alameda, Contra Costa, San Joaquin, Solano, Stanislaus, or Kings Counties, California is eligible to apply for membership. Visit 1stunitedcu.org/apply to apply.
Federally insured by NCUA
1stunitedcu.org/localrefi
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SUNDAY, OCTOBER 18, 2026
Meriwest Credit Union – Proud Supporter of You
Freedom Fest
At Meriwest Credit Union, we believe financial services should be about more than transactions. Our commitment to strengthening the financial well-being of our members and community through trusted advice and personalized guidance continues to guide everything we do. In 2026, that commitment was reflected in major milestones that highlight both our
growth and our impact. We were honored to be voted Best Credit Union in Silicon Valley 2026 in the Mercury News Readers’ Choice Awards, a recognition rooted in the trust our members place in us. This year also marked the grand openings of our Morgan Hill and Milpitas branches, along with the grand reopening of our newly remodeled Santa Clara branch, expanding access to financial guidance
Meriwest Grand Opening
across the region. As we celebrated 65 years of memberfocused service, we continued building a workplace where employees feel supported and empowered, earning recognition as a 2026 Best Place to Work for the seventh consecutive year. Our community
Meriwest Grand Opening
impact remained strong through the Meriwest Community Foundation. Last year, the Foundation facilitated 155 financial education events, serving 10,689 community members, and awarded $22,000 in scholarships to firstgeneration and underserved students.
Every Meriwest employee participated in volunteerism or charitable giving for the eighth consecutive year, contributing $47,836 to local nonprofits, with corporate contributions reaching $187,275, reinforcing our commitment to supporting organizations that
BECAUSE THE RIGHT SOLUTION STARTS WITH UNDERSTANDING YOUR GOALS. At Meriwest, we listen first, then help you find solutions that support your financial goals.
Get to know us at meriwest.com
uplift the community. As we look ahead, Meriwest remains focused on expanding financial education, strengthening community partnerships, and delivering meaningful support to everyone we serve. Proud Supporter of You.
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Nuvision: For the Life You Build in the East Bay
As Nuvision Credit Union continues to grow in the East Bay, we are becoming part of the region in more ways than one. Beyond helping members meet their financial goals, we are building local partnerships and investing in programs that make a difference in neighborhoods throughout the area. Personal service and trust remain at the heart of the Nuvision experience. Across our local branches, Nuvision offers a growing range of financial services. Whether buying their first car, purchasing a home, saving for college, starting a business or planning for retirement, we provide members with the financial tools and personalized guidance to help them achieve their goals.
A California Legacy Built on Service Nuvision has proudly served California for more than 90 years, with roots in the aviation industry. Founded in 1935 to serve employees of the legendary Douglas Aircraft Company, Nuvision established a tradition of putting people first that continues today. Our core purpose is to help our members build better lives and make communities a better place to live through a people-helping-people approach. This comes
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to life through three key areas: helping those in need, supporting military and first responders, and advancing financial literacy. Together, these efforts reflect how we put that commitment into action locally.
Helping Those in Need Strong communities begin with access to basic needs. Nuvision partners with organizations such as Loaves and Fishes and Open Heart Kitchen to help provide food to families and reduce barriers to hunger relief. We also work with White Pony Express on clothing drives that help families access essential everyday items. These partnerships reflect our broader commitment to the local organizations providing critical resources and strengthening neighborhoods across the region. Supporting Those Who Serve Nuvision is proud to stand with local first responders, veterans and military members. We work with organizations including VFW 1351 in Martinez and American Legion Post 237 in Pleasanton to serve veterans, military families and those who continue to serve. That dedication also extends to programs such as Shop with a Cop,
Nuvision team members volunteer at the Alameda County Community Food Bank, helping sort and prepare fresh produce for distribution to local families.
Nuvision team members joined Martinez Police Department and partner agencies for the Law Enforcement Torch Run supporting Special Olympics Northern California.
military appreciation events and holiday toy drives, creating meaningful ways to give back to those who serve others.
Building Financial Confidence Nuvision’s financial literacy efforts include tools, resources and educational opportunities that help members build
confidence in managing their money. Locally, that includes programs such as our How Money Works workshop at Berkeley Technology Academy, along with resources available through partnerships such as Greenlight. Together, these efforts help members and families build stronger
financial futures at every stage of life.
Growing With the East Bay From our community branches to our on-site location at Genentech, Nuvision continues to expand its presence across the East Bay — strengthening connections with the
members, organizations and neighborhoods that make the region home. Whether you’re navigating your next financial step or looking for a credit union that puts people and community first, Nuvision is here For the Life You Build. Learn more at nuvisionfederal.com.
Building Trust for Over 90 Years.
For The DREAMS You Achieve.
For The LIFE You Build.
Helping build the lives of hard-working people has been our mission since the day we were founded. Beyond ensuring members can confidently make financial decisions, this means creating a community that helps people pursue their dreams and provide for their families. We proudly support our communities, including first responders, active-duty military personnel, veterans, and local heroes. From everyday banking to lending and financial guidance, Nuvision Credit Union is here in the East Bay to provide you with all your financial needs to help you with the life you build. Scan the QR code or visit nuvisionfederal.com to discover how we can help you achieve more.
BERKELEY
BRENTWOOD
HAYWARD
3015 San Pablo Avenue Berkeley, CA 94702
6560 Lone Tree Way, Suite D Brentwood, CA 94702
1030 La Playa Drive Hayward, CA 94545
MARTINEZ
PLEASANTON
WALNUT CREEK
634 Ferry Street Martinez, CA 94553
6001 Gilbraltar Drive Pleasanton, CA 94588
2868 Ygnacio Valley Road Walnut Creek, CA 94598
Nuvision Federal Credit Union is an Equal Credit Opportunity Lender. Membership Required.
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SUNDAY, OCTOBER 18, 2026
Patelco Credit Union: 90 Years of Building Financial Wellbeing For Nine Decades, Patelco Credit Union has Helped Members Save More, Make Confident Financial Decisions, and Build Brighter Futures
People Helping People Ninety years ago, a small group of Pacific Telephone and Telegraph employees came together with a simple idea: let’s help people. They pooled just $500 to help one another improve their financial lives. From that modest beginning in 1936, Patelco Credit Union has grown to serve more than half a million members across Northern California and is approaching $10 billion in assets. But the most meaningful measure of those 90 years isn’t how much the credit union has grown — it’s the trust behind it.
People, Community, and Heart As a member-owned credit union, Patelco was built to serve its members — not outside shareholders. That means helping members keep more of their money, make informed financial decisions, and prepare for whatever comes next. But the Patelco difference goes beyond products and rates. It comes down to people, community, and heart. Patelco team members listen first, understand what matters, and help members find a path forward. That personal connection has been part of Patelco for generations — and remains at the heart of the credit union today.
Helping Members Keep More of Their Money In 2025 alone, Patelco put more than $124 million back into members' pocketts through better rates and lower fees — more than $500 per household. Members who turned to Patelco for more of their financial needs, including everyday banking, auto loans, and home loans, saved an average of more than $1,400 last year*. That’s money members can keep for the things that matter most. Patelco’s Certified Financial Specialists also provide complimentary financiall guidance to community members, with help on budgeting, paying down deb bt, building credit, saving for the future, and more.
Meet Debra
40 Years of Membership. Hundreds of Referrals. For Debra, a retired high school personal finance teacher, financial wellbeing isn’t just something she believes in — it’s something she spent years teaching. After leaving the corporate world, Debra became a passionate advocate for teaching personal finance early, helping young people build strong financial habits that can last a lifetime. A Patelco member for 40 years, Debra estimates she has referred hundreds of people to Patelco over the years. Today,
g she’s enjoying the rewards of her own personal financial planning — including annual trips to France to study French. Her take on retirement?
“
Retirement is everything they said it would be—with proper planning, of course!
(The personal finance teacher never really retires!)
”
Debra, a 40-year Patelco member in France. Member testimonial. Results and experiences may m vary.
Meet Chris
Helping Members Build What Comes Next
For Chris, managing Patelco’s Milpitas branch means much more than helping members with what they need today. It means helping them prepare for tomorrow.
“
Beyond meeting our members’ immediate needs, we help them build confidence in their financial future...Seeing them leave the branch with a smile on their face reminds us of why we do what we do.
Chris (cutting the ribbon on right) at the grand opening of Patelco’s new Milpitas branch.
”
90 Years Strong — and Still Looking Forward The world has changed enormously since a small group of telephone workers pooled their $500 together in 1936. Patelco has changed with it. But the idea at the center of the credit union hasn’t: people helping people. *America’s Credit Unions Patelco CU Membership Benefits Report, Year-End 2025.
Named a Best Credit Union by:
Insured by NCUA
SUNDAY, OCTOBER 18, 2026
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Navigating the Next Era of Regional Banking “In good times and hard times, our focus remains simple,” says Patelco President and CEO Erin Mendez. “Make banking easier, help people keep more of what they earn, and build confidence in their financial future.”
After 90 years, that’s not just Patelco’s history. It’s a promise to what comes next.
Built on trust. Backed by us. For 90 years, Patelco has earned trust through everyday actions—listening to our members, protecting what matters most, and standing with our communities. Trust isn't something we say; it's something our people prove, every day.
Insured by y NCUA | NMLS ID # 506373
We're celebrating 90 years with $90,000 in thanks Learn how you can be entered to win NO PURCHASE NECESSARY TO ENTER OR WIN. Must be a California resident and age 18+ to be eligible. Scan to see Official Rules and methods of entry. Ends 11/30/26.
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Credit Union Listing Guide Featured:
1st Nor Cal Credit Union is a not-for-profit cooperative financial institution, helping its members achieve their financial goals since 1949. They offer a wide variety of products and services, backed by a commitment to the credit union’s philosophy “people helping people.” 1st Nor Cal Credit Union does not issue stock or pay dividends to outside stockholders, like most other financial institutions. Instead, earnings are returned to its members in the form of lower loan rates, higher interest on deposits, and lower fees. They exist to serve their members, not to make a profit. For more information: (888) 387-8632 1stnorcalcu.org Featured:
1st United Credit Union It doesn’t get simpler, faster and friendlier than 1st United Credit Union. As one of the first credit unions in California, 1st United Credit Union was founded in 1932 and has been thriving in the Bay Area ever since. Membership is available to anyone who lives, works, or attends school in Alameda, Contra Costa, San Joaquin, Solano, Stanislaus, or Kings Counties in California. We believe in local, neighborly banking and hope you will too. For more information: Call 800-649-0193 or Visit www.1stunitedcu.org Featured:
Commonwealth Central Credit Union At CommonWealth, our story begins with people, not numbers. We have walked alongside our neighbors in Santa Clara, San Benito, and Monterey counties through milestones big and small—first jobs, first cars, first homes, and everything in
Credit Union from page 1
thousand dollars. Because there are no outside investors demanding yields, the institution’s operational focus shifts toward serving the people using its services. It is a system built on financial democracy. Real Savings and Fairer Terms Without the pressure to generate excess profit for external stock owners, credit unions return their earnings directly to their members in three main ways: Lower Fees: Checking accounts rarely come attached to rigid minimumbalance requirements or steep monthly maintenance costs.
between. With compassionate guidance and knowledge, we help you build a future with confidence. Because to us, banking is not just about today, it is about supporting your dreams for generations to come. For more information: (800) 564-1588 wealthcu.org Cooperative Center Federal Credit Union (510) 845-6428 coopfcu.org Excite Credit Union 800.232.8669 excitecu.org Featured:
KeyPoint Credit Union KeyPoint is a fullservice financial institution, fully insured by theNCUA. They offer products and services including: KeyPoint offers a diverse range of services tailored to individual banking needs. Their Unlimited Checking Account provides free checking and worldwide ATMfee rebates. Savings options include Money Market accounts, Certificates, and IRAs for financial planning. Loans encompass auto, boat, motorcycle, and RV loans, alongside personal loans and credit lines. The Starting Point program aids newcomers and recent college graduates in obtaining their first car loan and building credit. Additionally, they provide credit cards, unique home loans with interest-saving benefits, low fees, and competitive interest rates. Services include free online banking, mobile apps, bill pay, and discounted insurance rates for auto, homeowner’s, life, and disability coverage. They serve anyone who lives, works, attends school or worships in Santa Clara County, Alameda County, El Dorado County, Placer County, San Mateo County, Sacramento County, Santa Barbara County, Contra Costa County and designated areas of Ventura County in California, or works at a Member Company (regardless of location). Become a Member by opening an account,
Higher Returns on Savings: Surplus earnings are channeled into higher interest yields on savings accounts and certificates of deposit. Better Rates on Loans: Credit unions consistently offer lower interest rates on auto loans, mortgages, and personal financing. Over time, these advantages accumulate into substantial savings. On a five-year auto loan or a thirty-year mortgage, a slightly lower interest rate can save a household thousands of dollars, keeping hard-earned money in the family budget rather than transferring it to Wall Street. Human-Centered Financial Inclusion Commercial banks rely heavily on
applying for a loan, or visit anyKeyPoint branch. For more information: 800-255-3637 kpcu.com Featured:
Meriwest Credit Union Meriwest Credit Union has been providing personal, convenient, and innovative financial services to families and businesses in the South Bay for over 60 years. With over $2.2 billion in assets, Meriwest offers above market rates on deposits, low loan rates, lower fees, and a superior banking experience. With 8 Bay Area financial centers, a nationwide network of shared branches, online and mobile banking, a locally staffed contact center, and over 30,000 surcharge-free ATMs, Meriwest delivers easy financial access anywhere you go. We think it’s important for all of us to take an active role in support of those in need. We see ourselves not only as a business that exists for the community’s financial benefit, but as an organization that takes a handsonapproach to making the community a better place to live through financial literacy and charitable programs. Meriwest is a trusted partner to help you get more, and do more. Working for you… Today. Tomorrow. Together. For more information: 877-637-4937 Visit meriwest.com today! Featured:
Monterra Credit Union Monterra Credit Union is a member-owned financial institution serving more than 100,000 members throughout the Bay Area. Headquartered in Redwood City, Monterra manages nearly $2 billion in assets and has been helping members achieve financial success since 1952.
automated algorithms and strict credit-score cutoffs. If an applicant falls just below a computer-generated threshold, the system issues an automatic denial. Credit unions take a more holistic approach. Because the staff members live and work in the communities they serve, they evaluate loan applications through a human lens. They frequently offer specialized financial tools for individuals overlooked by mainstream institutions, such as “second-chance” checking accounts for those with past banking difficulties, small-dollar emergency loans that offer an alternative to highinterest payday lenders, and credit-builder programs designed to
As a not-for-profit credit union, Monterra returns value to members through competitive rates, affordable loans, lower fees, and personalized service. Personal and business banking solutions include checking and savings accounts, credit cards, vehicle loans, recreational loans, home loans, and convenient digital banking services. Membership is open to anyone who lives, works, worships, or attends school in San Mateo, Alameda, Contra Costa, Santa Clara, or San Francisco counties. With seven branches, access to more than 30,000 surcharge-free ATMs nationwide, and robust online and mobile banking, members can bank wherever life takes them. Monterra is committed to strengthening local communities through financial education, scholarships, volunteerism, and programs that support long-term financial wellness. For more information: 650-363-1725 monterra.org Featured:
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digital access whenever they need it. Whatever your goals, we’re here to help you achieve them with trusted service and financial strength. Our commitment extends beyond banking to the communities we serve. Guided by our pillars of helping people in need, advancing financial literacy, honoring veterans, and standing with first responders, Nuvision is proud to support the communities we call home. For the life you build. For the dreams you achieve. For more information: (800) 444-6327 nuvisionfederal.com
like Google, Meta, NVIDIA, Amazon and Oracle. Operating under a not-for-profit model, Stanford FCU reinvests its financial strength into members by offering competitive rates, lower fees, and its signature “Member Give Back” philosophy. With deep ties to Silicon Valley, Stanford FCU delivers innovative digital banking solutions designed for convenience and accessibility. In addition, Stanford FCU places a strong emphasis on financial education as it fulfills its mission to improve financial lives.
Featured:
Stanford Federal Credit Union 888-723-7328 sfcu.org
Patelco Credit Union Patelco Credit Union is a not-for-profit financial institution serving more than 550,000 members nationwide with $9.5 billion in assets. It provides personalized banking solutions, expert guidance, and financial education that strengthen members’ financial wellbeing. Patelco is based in Dublin, CA, and has been honored with industry, consumer, business, and finance awards, including Newsweek’s America’s Best Regional Credit Unions, Forbes’ Best-InState Credit Union, and Bankrate’s Top Credit Union for 2026.
Welcome to Nuvision Credit Union Helping build the lives of hard-working people has been our mission since 1935. Founded to serve Douglas aircraft employees, our legacy has grown through generations of workers, families, and community partners who share the belief that a better life is always possible. Today, Nuvision provides the tools and services that help our members thrive: checking and savings accounts, credit cards, auto and home loans, retirement solutions, and easy access through mobile and digital banking. At Nuvision, we believe banking is about building lasting relationships, standing with our members through every stage of life, and helping the next generation build an even stronger future. With convenient branch locations across the East Bay, members can count on both local service and
Stanford Federal Credit Union (Stanford FCU) is a not-forprofit, member-owned financial institution founded in 1959 by Stanford University employees to provide a more communityfocused alternative to traditional banks. Membership, which began with university staff, has grown to include faculty, students, volunteers, alumni, employees of Stanford Health Care, SLAC National Accelerator Laboratory and employees of high-tech companies
establish stability. When financial hardships hit—whether through economic downturns or personal emergencies—credit unions are structured to offer flexibility, loan forbearance, and tailored payment plans rather than immediate penalties. Modern Convenience, Local Impact In the past, critics argued that credit unions lacked the technological reach of major banks. Today, that gap has closed. Credit unions offer state-of-theart mobile apps, online bill pay, remote check deposit, and digital wallet integration. Furthermore, through nationwide shared-branching networks and cooperative ATM
alliances, credit union members can perform free transactions at thousands of partner branches and tens of thousands of ATMs across the country—a footprint that rivals or surpasses that of the largest bank chains. Aligning Money with Values For younger generations of savers, choosing a financial institution has also become an alignment of personal ethics. Modern consumers care about how corporate entities conduct business, pay attention to sustainability, and treat their workforces. Credit unions reinvest directly into the civic fabric. Deposits made at a credit union stay in the surrounding area, funding mortgages for
For more information: 800-358-8228 patelco.org Featured:
Featured:
UNCLE Credit Union UNCLE Credit Union was started back in 1957 by just four employees of the University of California Radiation Laboratory at Livermore (now Lawrence Livermore National Laboratory). The Radiation Laboratory Livermore Credit Union as it was first named, was established to provide financial services for the entire Lab community. Then in 1988, the name was changed to UNCLE (University of California Livermore Employees) Credit Union, proudly offering membership to anyone who lives, regularly works, attends school or regularly worships in Alameda, Contra Costa, San Joaquin or Stanislaus counties. Over the past 65 years, They’ve grown to more than $715 million in assets, 34,000 members, and continue to evolve as they strive to provide a seamless experience for our members with an array of innovative, high-value products, ease of convenience, and exceptional service. You can find UNCLE Credit Union financial centers all across Livermore and they also have an office in Pleasanton. For more information: 925-447-5001 unclecu.org
neighbors, loans for local small businesses, and financial literacy programs in nearby schools. Unlike major institutions that reallocate capital into distant global markets, credit unions keep capital strictly local—stimulating local job growth and strengthening the regional economy. Every dollar deposited circulates locally, directly fueling the community’s economic health. By choosing a cooperative model, depositors stop being mere account numbers and become active participants in a fairer, member-first economic ecosystem. Content provided by Amplified Content StudioAI tools may have been used in this process with human oversight
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Let CommonWealth Help You Make the Most of Your Home’s Equity
For over 65 years, CommonWealth Central Credit Union has supported our members’ long-term financial wellbeing. Helping members make the most of their financial resources is one of the many ways we serve as a trusted partner on their financial journey. A home is more than a place to live. Over time, it can become an important financial resource. Home equity is the difference between what your home is worth and what you still owe. As you pay down your mortgage and your home’s value changes, you build equity. For example, if your home is worth $500,000 and you owe $300,000 on your mortgage, you have approximately $200,000 in equity. That equity can play an important role in your overall financial wellness. Used thoughtfully, it may help you manage major expenses, reduce higherinterest debt, make home improvements, or prepare for future needs. Putting Your Equity to Work Homeowners can access their equity in several ways, and the right option depends on the goal.
A home equity loan typically provides a lump sum that is repaid through fixed monthly payments. This can work well when you know how much you need for a one-time expense. A home equity line of credit, or HELOC, works differently. It provides a revolving line of credit at a variable rate, allowing you to borrow what you need, when you need it, up to your approved limit. At CommonWealth, our FlexPath HELOC offers the flexibility of a HELOC along with fixedrate options. You can access your line of credit as needs arise and choose to lock portions of your balance into a fixed rate. This can provide more predictable payments on those amounts while keeping the remaining line available for future needs. Borrow With the Bigger Picture in Mind Home equity can be a valuable financial tool, but borrowing against your home should fit into your broader financial plan. Before moving forward, consider how much you truly need, what the monthly payment may look like, and how the new debt fits alongside your other priorities.
Gilroy Branch Team
Morgan Hill Branch Team
At CommonWealth, we encourage homeowners to look at equity as one part of their overall financial picture. Your home equity took time to build; using
it thoughtfully can help you make progress toward the goals that matter most while protecting your financial well-being for the future.
If you’re considering using your home’s equity, a CommonWealth Certified Financial Counselor can help you explore your options and better
understand what may fit your needs. We offer free in-person or virtual oneon-one consultations to review your goals and help you navigate what’s next.
Introducing FlexPath HELOC All the flexibility of a traditional home equity line of credit (HELOC), with fixed-rate options.
Enjoy more control over how you borrow and repay. Access the funds you need while having the option to lock portions of your balance into fixed-rate segments.
DEBT CONSOLIDATION (30%)
FlexPath HELOC
LOCK 1
$30,000
KITCHEN REMODEL (20%) LOCK 2
$20,000 TUITION (15%)
LOCK 3
$15,000
LINE OF CREDIT:
$100,000
REMAINING LIMIT (35%)
$35,000
no interest being charged (during the draw period)
Lock in up to three fixedrate segments Flexible repayment terms for each fixed-segment Keep access to your remaining available credit Credit lines from $10,000–$400,000
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For illustrative purposes only, your individual line and segments may differ.
! Scan to learn more wealthcu.org (800) 564-1588 FlexPath HELOC includes a variable-rate line of credit with the option to lock portions of your balance at a fixed rate in up to three segments. Rates and terms vary. Membership in CommonWealth is required. Certain restrictions may apply. Contact CommonWealth for current rates. NMLS ID #458544
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Financial missteps that can affect your credit score The importance of a good credit score cannot be overstated. Adults who handle credit responsibly may save tens of thousands of dollars in interest charges over the course of their lives, as a strong credit history helps to elevate credit scores. The higher an applicant’s credit score, the more favorable loan terms for big-ticket items like vehicles and homes will be. Though the significance of a strong credit history is a lesson in financial literacy emphasized to many people as early as adolescence, it’s still easy to make some mistakes along the way. Many people’s first encounter with credit comes around the age of 18, a point in time when young men and women may not recognize the gravity of their financial decisions. That makes it easy to fall into some bad habits that can unfortunately have a long-term, negative impact on individuals’ financial futures. The following are some common credit missteps that consumers can look to avoid as they seek to build strong credit histories. Missed payments: The credit reporting agency Equifax notes that even a single late or missed payment can lower a person’s
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credit score. Though it’s always best to set up automatic payments so no payment is ever missed, those who haven’t taken advantage of that capability who miss a payment should know that it generally takes 30 days for a missed payment to affect a credit score. If you simply forget to make a payment, Equifax indicates that some lenders and creditors may not even report a missed payment if a full payment is made within 30 days of the initial due date. If
you missed a payment because you can’t afford to pay off the balance, then chances are you’re committing another common misstep. Overreliance on credit: Utilizing credit too much is another common mistake that can quickly land consumers in debt. Resist using credit to finance unnecessary expenditures, like dining out or a night of entertainment. Only use credit to make purchases you know you can afford to pay off in full come your
monthly due date. Credit utilization ratio is another metric used to determine credit score, and it refers to the percentage of your overall credit availability you use each month. The financial experts at Chase suggest a good credit utilization ratio is 30 percent or less. If you’re routinely maxing out your credit card(s) and can’t afford to pay the balance in full each month, then your utilization ratio might be around 100 percent and might even be higher once
interest charges are factored in. A high balance on an existing card too often compels young consumers to make another costly misstep. Opening too many credit accounts: It’s hard to turn down what feels like “free” money, and many consumers new to credit might open new credit cards, particularly if a current account has a high balance. Too many credit cards can land consumers in considerable amounts of debt. Equifax
notes it’s generally recommended that consumers have no more than three credit cards, but some consumers who struggle to make payments each month might be better off with just one card. Some common missteps can make it easy to fall into credit card debt, which can adversely affect consumers’ credit scores. Avoiding those missteps can set borrowers up for a lifetime of financial freedom. Content provided by Metro Creative Services
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Since 1952, we’ve put people before profits by supporting our members, employees, and communities. We’re committed to helping you achieve your financial goals. Visit us in person or online to discover how Monterra Credit Union can help turn your goals into reality. Enjoy free checking for everyday banking and high-rate savings to help you earn more. Take your business to the next level with tailored financial solutions. Find a credit card that fits your lifestyle. Explore mortgage options with flexible, fixed and adjustable rates. Finance a car purchase or refinance your auto loan at competitive rates.
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UNCLE Credit Union celebrates 15 years of leadership with President and CEO, Harold Roundtree
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(L to R) Cody Fawbush, Harold Roundtree and Natalia Custodio
When Harold Roundtree joined UNCLE Credit Union in 2011, his focus was simple: put people first. Fifteen years later, this commitment continues to shape an organization serving more than 37,000 members across the East Bay and Central Valley while making a lasting impact in the
communities it calls home. For Roundtree, growth has never been just about numbers. It has been about building relationships and ensuring UNCLE remains a trusted resource for the people and businesses it serves. This people-first mindset reflects the
credit union philosophy of “people helping people,” a principle that has guided UNCLE since its founding in 1957. Under Roundtree’s leadership, UNCLE has continued to evolve to meet members’ changing needs while staying connected to its community roots. Today, UNCLE manages more than $730 million in assets and offers a full range of financial services, including checking and savings accounts, credit cards, mortgage lending,
business services, and financial planning and investment services available under UNCLE Wealth Management. Anyone who lives, works, worships, or attends school in Alameda, Contra Costa, San Joaquin, or Stanislaus counties can become a member of the credit union. Community involvement remains central to UNCLE’s mission. The credit union supports organizations including Livermore Valley Arts, Livermore Lab
Foundation, TriValley Haven, and financial literacy programs at local high schools and colleges designed to prepare future generations for financial success. Employees additionally contribute hundreds of volunteer hours each year. From donation drives to hands-on volunteer projects, UNCLE team members regularly show up to support the communities where they live and work. As Roundtree celebrates his 15-year
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milestone, UNCLE is also looking ahead to another important anniversary. In 2027, the credit union will celebrate 70 years of serving local communities. Built on a legacy of people helping people, UNCLE remains committed to supporting its members and continuing to invest in local communities. The credit union looks forward to celebrating 70 years of service while building this legacy for years to come.
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1st Nor Cal Credit Union Expands Bay Area Footprint Through Cal Athletics Partnership and Enhanced Digital Banking
At 1st Nor Cal, the idea of building community is taken to heart. They have long established their credit union difference through their commitment to the credit union philosophy, “People Helping People,” since their humble beginnings in 1949. This commitment starts with great financial services but continues through the credit union’s investment in the local community. 1st Nor Cal is in the business of joining their neighbors, uplifting each other, and growing together. But growth is about more than just reaching new places. To 1st Nor Cal, it’s also about creating new opportunities to connect with their members, whether through physical expansion, expansion of services, or establishing new partnerships that demonstrate what it means to be a part of 1st Nor Cal. CEO David Green shares, “We have the advantage of being large enough to offer all the products and services most consumers want yet small enough to quickly turn the ship around to fine-tune our operation to react to today’s continually changing member preferences and tastes.” This past year, 1st Nor Cal has been expanding their horizons in many exciting
new ways, including recently joining the UC Berkeley community when they became the “Official Credit Union of Cal Athletics” last fall. Partnering with Cal Athletics allowed the credit union to reach a whole new audience, establish meaningful connections, grow their membership, and set down roots further into the Bay Area. Now, 1st Nor Cal plans to open a branch in Berkeley to reach even more of their members. This new development marks an exciting new chapter in the credit union’s work within the Cal Athletics community and will serve as a physical extension of their commitment to their members by providing greater accessibility for students, faculty, staff, alumni, and local residents. Along with this exciting new partnership, the credit union is also enhancing services for members through upcoming digital banking upgrades. These improvements will bring enhanced features, additional online services, and a refreshed look designed to provide members with a more convenient and seamless banking experience. David continues, “We live in a world in which companies get created and then get sold a few
Cal student-athlete ambassadors and 1st Nor Cal team members gathered outside the Martinez branch.
years later to the highest bidder. There’s very little attention given to companies that are built to last and consistently offer superior service. That’s what 1st Nor Cal strives to be. After 77 years, we’re neither the largest nor the flashiest but offer the best personalized service in the financial services sector. We promise to continue that great service for the next 77 years.” Together, these exciting developments demonstrate 1st Nor Cal’s commitment to moving forward while staying true to the community-focused values that have guided them from the beginning. As 1st Nor Cal looks toward what’s next, they will continue finding new ways to expand their reach, grow their impact, and connect with their members in meaningful ways.
A view of the field at California Memorial Stadium.
1st Nor Cal sponsorship signage displayed inside California Memorial Stadium.
Three metrics that can help people gauge their financial health Effective money management can help men and women achieve their short- and long-term goals. Wise investment strategies and a commitment to saving for retirement are great ways to manage money over the long haul, but it’s important to seek ways to do so in the shortterm as well. Monitoring financial health is a short-term strategy that can keep individuals on a path toward long-term security. While various metrics can be looked to as indicators of financial health, adults can keep these three variables in mind as they look to utilize short-term strategies to ensure their long-term success. 1. Debt-to-income ratio: Debt-to-income ratio can be a good indicator of financial health. The Consumer Financial Protection Bureau defines debtto-income ratio (DTI) as all your monthly debt payments divided by your monthly gross income. Lenders utilize DTI to determine the creditworthiness of loan applicants, but individuals also can use it as a metric to gauge their financial health. Monthly debt payments include
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mortgages, auto loans, student loans, and other debt payments, including credit cards. Individuals whose debt payments total $2,000 per month and who earn a gross monthly income of $6,000 have a 33 percent DTI. The credit experts at Experian suggest a DTI of 35 percent or less is indicative that debt is being handled well, so that’s a figure to keep in mind. 2. Savings balances: Savings accounts
don’t generate as much interest as they did throughout the 1980s and 1990s. According to Nasdaq, savings interest rates climbed as high as 8 percent in the 1980s, but have fallen below 0.25 percent since the financial crisis of 2008. That’s led some to devalue savings, but savings balances can be a good indicator of financial health. A substantial savings account can help individuals avoid
taking on debt when costly emergencies and expenses arise unexpectedly, thus helping them keep their DTI in a financially advantageous range. 3. Credit score: Credit score is another strong, and easily accessible, indicator of personal financial health. Individuals can now access their credit scores for free each month through their banks and credit card providers. Experian
notes that credit scores range from 300 to 850, and where a score falls in that range can indicate if a person is managing credit in a healthy or unhealthy way. Experian reports scores 740 and above are very good, while scores between 670 and 739 are considered good. Scores between 300 and 579 are considered poor, while a score between 580 and 669 is considered fair. Scores below 669 indicate there’s room to
use credit more wisely, which involve reducing reliance on consumer credit, making payments on time and ensuring payments are more than the monthly minimum. These three metrics and others can be utilized by individuals looking to gauge their financial health in an effort to realize their short- and long-term goals. Content provided by Metro Creative Services
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KeyPoint Credit Union: Helping Members Thrive, One Financial Goal at a Time For more than 45 years, KeyPoint Credit Union has helped members achieve their financial goals through personalized service, tailored financial solutions, and a deep commitment to the communities we serve. This year, we’re proud to be recognized as Best in Silicon Valley for Credit Unions by Bay Area News Group’s Readers’ Choice Awards, an honor that reflects the trust of our members and our commitment to delivering an exceptional banking experience. KeyPoint serves more than 52,000 members across Silicon Valley and beyond, helping individuals, families, homeowners, and businesses reach their financial goals with confidence. Whether it’s earning more with competitive certificate rates, financing a vehicle, purchasing a home, or managing everyday finances, we’re committed to providing service that makes a meaningful difference in our members’ lives. This commitment is reflected in the consistently high ratings and positive reviews we receive from members who value our knowledgeable staff, personalized guidance, and local decision-making. With
a combined 4.8-star rating across Google and Yelp, our branch teams are praised for delivering exceptional service and trusted expertise that sets KeyPoint apart. One of the most meaningful ways we’ve supported our members has been through homeownership. KeyPoint helped secure $32K in Down Payment Assistance grants for first-time homebuyers, creating opportunities for families navigating one of the nation’s toughest housing markets. Through partnerships with the Federal Home Loan Bank, we also helped direct $2.2M in grant funding to support affordable housing initiatives and strengthen local communities. Community involvement remains at the heart of who we are. During our annual Corporate Day of Giving, every KeyPoint employee spends the day volunteering with HomeFirst, a local nonprofit organization, with efforts such as serving meals, participating in neighborhood cleanups, and assembling care packages. Last year alone, KeyPoint employees contributed
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KeyPoint Credit Union employees gather in front of a mural painted during the annual Corporate Day of Giving.
more than 600 volunteer hours through CDOG— this year will be KeyPoint Third Annual Corporate Day of Giving. At KeyPoint, banking is about more than numbers. It’s about helping a first-time homebuyer receive the keys to their new home, helping a local business grow, and investing in stronger communities for generations to come. That’s why people throughout Silicon Valley continue to choose KeyPoint as their trusted financial partner, year after year. Learn more at kpcu. com.
KeyPoint employees volunteer at a HomeFirst site during the annual Corporate Day of Giving.
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Here for You at Every Stage of Your Life.
Opening your first checking account or paying for college. Buying your dream car and driving off with confidence. Building a career or growing a business. Finding your dream home and making it yours. Every stage of life brings goals, and 1st Nor Cal has the accounts, loans, and tools to help you reach them, from savings and credit cards to digital banking and financial education. Our full-service loan department is here to help with auto loans, home loans, and more, so you can move forward with financing that fits your plans. Whatever comes next, we’re here for you, backed by people who put members first.
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Berkeley Branch Coming Soon! Convenient banking where you live, work, and learn. We’re excited to bring our member-first banking and personalized service to the Berkeley community! Stay tuned for our grand opening, and thank you for your patience as we get ready to welcome you.
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1stnorcalcu.org (888) 387-8632 | Branches in Martinez, Pittsburg, Brentwood, Benicia, and Richmond Eligibility: live, work, attend school, or worship in Contra Costa, Solano, or Alameda counties.