Consumer Guides Credit Unions A resource of products and services
Bay Area News Group Advertising Section | October 19, 2025
Why Many People Choose Credit Unions over Traditional Banks If you’ve ever felt like your bank sees you as just another account number, you’re not alone. Millions of Americans are rethinking where they keep their money, and many are moving toward credit unions. But what makes credit unions stand out from traditional banks? Let’s look into some of reasons people are making the switch and why a credit union might be the right fit for you. 1. You Are More Than a Customer, You’re an Owner When you open an account at a credit union, you’re not just a customer, you’re a member-owner. Unlike banks, which are run for profit and answer to shareholders, credit unions are cooperatives owned by their members. That means every decision, from loan policies to service fees, is designed to benefit you. Each member gets an equal vote in electing the board of directors, no matter how much money they have. It’s financial democracy at its best. Translation: You have a say in how your financial institution is run, and your money is working for your community, not Wall Street.
2. Lower Fees and Better Rates Put Money Back in Your Pocket One of the most practical benefits of joining a credit union is saving money. Because they aren’t focused on maximizing profits, credit unions return earnings to members through: • Lower fees on checking and savings accounts. • Competitive interest rates on loans (mortgages, auto loans, personal loans). • Higher dividends on savings and certificates of deposit. Over time, those savings add up. For someone financing a car or a home, even a small difference in interest rates can save thousands of dollars. 3. Personalized Service That Feels Human Ever been stuck in a maze of automated bank hotlines? Credit union members often experience something very different: personalized service from people who actually know them. Because credit unions tend to be smaller and community-focused, the staff takes time to understand individual needs. Many members
say their credit union feels more like a financial partner than a business. For someone applying for a loan, this personal approach can make the difference between an approval and a rejection. 4. Community First, Always Credit unions are deeply rooted in their communities. Many were originally founded to serve groups like teachers, local workers, or residents of specific towns. That tradition continues today.
You’ll often see credit unions sponsoring community events, teaching financial literacy in schools, or offering small-business loans that support local growth. By banking with a credit union, you’re helping to strengthen the local economy. 5. Inclusive Options for Everyday People Credit unions don’t just serve those with perfect credit or high incomes. They often go out of their way to provide financial access for people who are overlooked by big banks.
Some examples include: • “Second chance” checking accounts for those who’ve had banking troubles. • Small-dollar loans that provide alternatives to payday lenders. • Programs designed to help members rebuild credit and financial stability. For young adults, immigrants, or families starting fresh, this inclusiveness makes credit unions a welcoming choice. 6. Yes, They’re Keeping Up With Technology
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Years ago, critics said credit unions lagged behind banks when it came to digital tools. That’s changing quickly. Today, many credit unions offer: • Mobile apps with remote check deposit. • Online bill pay and transfers. • Nationwide ATM and shared-branching networks. In fact, shared branching allows members to use thousands of partner branches across See CREDIT UNION Pg 12
Why a Local Credit Union is a Great Choice
BY 1ST UNITED CREDIT UNION
Choosing a financial institution to handle your money can be daunting. And if you’re trying to choose between a bank and a local credit union, there may be more to the decision than you realize. To help, we’ve outlined some of the differences and similarities between local credit unions and banks. Banks vs. local credit unions: What’s the common ground? Before we look at how banks and credit unions differ, it’s worth understanding how they’re similar. These are some of the financial services both banks and credit unions are designed to provide: • Checking and savings accounts • Credit cards • ATM services • Loans • Business banking Services can vary, so check with the financial institution to confirm it provides what you need. What are the advantages of using credit unions? Despite being similar to banks in many ways, there are some clear advantages that credit unions provide:
• Member-owned: When you join a credit union, you aren’t just a customer – you become a member. Credit unions are cooperatives established and run by members who have a say in how the credit union operates. • Not-for-profit: Credit unions are structured to promote the financial wellness of their members rather than to reward investors. Profits earned by the credit union are returned to members as reduced fees, higher savings interest rates, and lower loan rates. • Cooperative: Credit unions create a cycle of mutual member support. For example, the deposits of one member are used as part of a loan for another member. The common goal is to benefit all credit union members. • Communityoriented: A credit union serves a community of members who share a common interest or demographic. As such, the credit union better understands the needs of its community than a bank might. In this way, credit unions give back to the communities they serve.
Perhaps the greatest difference is philosophy. A bank helps its customers because that improves its bottom line. A credit union helps its members not to please shareholders, but because that is its mission and purpose. Not all credit unions or banks offer the same value Although credit unions share many common traits, each is unique in its history and how it serves its members. When choosing a bank or
credit union, dig into the individual financial institution’s reputation. Looking for an example? Here are some interesting facts about 1st United Credit Union and some ways it stands out: • We are one of the oldest credit unions in California. • 1st United was formed in 1932 by Alameda County employees. • We have over 60,000 members and $1.212 billion in assets (2024).
• We invest in technology, providing the latest in mobile banking tools and data security. • Our financial team is committed to delivering superior service to members and to helping you build a personal relationship with us. • We help members plan their financial futures with services such as in-branch appointments to review your credit report. • We give back to the community through financial education programs and as the
official Alameda County Food Bank Food Drive Host. If you’re looking for a financial institution that you can trust with your money, you may want to consider your local credit union as a banking alternative. Credit unions are here to serve you, as well as meet all your banking needs. We’re your neighbor and welcome you to learn more about us at 1stunitedcu.org or by stopping by one of our eight branches located in Alameda County.
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Stanford Federal Credit Union says yes to your financial success We’re proud to serve over 94,000 members from the Stanford community and innovative companies like Google, Amazon, and Meta. But you don’t need to work at a tech giant to join—Stanford FCU is open to everyone! We offer generous rewards to help you get started and keep earning. New members can receive up to $620, and if you refer friends you could earn up to $750. Plus, you can get $100 every month just by using your Stanford FCU credit card. Want cashback without a credit card? Stanford FCU’s CashBack+ program lets you earn up to 20% cashback when you buy digital gift cards for popular brands like Amazon, Airbnb, DoorDash, and Uber. The cashback goes right into your checking account—no fees and no waiting. Stanford FCU also offers thoughtful financial products designed to give you flexibility and value: • A high-rate 7-month no-penalty certificate • Low-rate loans with no pre-payment penalties • Credit cards with up to 5% cashback and no annual fee
• Free high-yield checking with Zelle® • Free ATMs and early direct deposit—up to two days before payday And we keep fees low—or eliminate them altogether. That means no foreign transaction fees, no NSF fees, no card replacement fees, and free notary service. Our team is here to help with friendly, compassionate service. “Our goal is to offer financial services that truly benefit our members,” says Joan Opp, Stanford FCU’s President and CEO. “We’re proud to deliver strong value with a safe and sound balance sheet.” Whether you’re just starting out or already financially savvy, we offer competitive rates on deposits and loans for all members, not just those with perfect credit. And if you’re an active member, you may qualify for extra perks like loan discounts, waived fees, and bonus deposit rates. Referrals are a company’s biggest compliment, and Stanford FCU is proud that more than half of our new members are referred by friends, family and co-workers! Visit sfcu.org/bonus to explore our current offers for new members.
YES TO A CREDIT UNION THAT PUTS YOU FIRST! Proudly serving the Bay Area
◆ Free checking with early payday and Zelle®
◆ Rewards credit card with
5% cashback and no annual fee
◆ Up to 20% cashback for everyday
Get up to $620 cash when you join with payroll direct deposit and use your debit and/or credit card.*
sfcu.org/bonus
purchases with CashBack+
Federally insured by NCUA. Membership eligibility required. All loans are subject to credit approval. *New member offers are managed by Cashback+ within Digital Banking. To qualify for an offer’s reward, each offer must be activated and completed within the eligibility period. All offers, requirements, and rewards are subject to change without notice. The following offers are available to new members who join beginning 10/1/25 (refer to website for complete details): 1. $500 when you: (a) open a new Stanford FCU membership with an Everyday, High Yield, or Student Spending account, (b) receive a minimum $2,500 payroll or social security direct deposit each month for three consecutive calendar months, and (c) spend a minimum combined $1,000 per month on Stanford FCU debit and/or credit cards (excluding refunds and returns) for three consecutive calendar months. Other deposits such as checks, transfers, Venmo, Zelle® and PayPal do not qualify. 2. $40 for a count of your first five combined Stanford FCU debit and/or credit card purchases. 3. $30 when you open an additional certificate or savings account with a minimum $1,000 balance. 4. $25 when you enroll in eStatements to receive electronic statements and notifications. 5. $10 when you opt-in to Digital Banking account alerts and set up at least one alert. 6. $10 when you send money through Zelle® for the first time. 7. $5 when you make your first mobile check deposit.
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Rate Drops
Are In Season
Your Lo oan. Your W Way.
Scan to Apply Online As your local Credit Union, we’re making it easier and more affordable to reach your goals this season. From holiday shopping to lowering your car payment, our newest loan offers are designed to help you save. Apply by December 31, 2025 with promo code DROP to take advantage of these discounted rates.
Visa Platinum Cards
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(800) 649-0193 1stunitedcu.org/drop
Visa Platinum: APR (Annual Percentage Rate) as of October 1, 2025, is a 0% introductory rate for six (6) months on purchases and balance transfers made through December 31, 2025 using promo code DROP, then reverts to the standard variable rate tied to the Prime rate, currently 12.65%–22.65% for Visa Platinum and 13.65%–23.65% for Visa Platinum Rewards, is based on creditworthiness, and is subject to change. Offer may be withdrawn at any time and cannot be used to pay any 1st United loan or line of credit obligation. Account must be in good standing. Offer does not apply to Visa Platinum share secured cards. Promotional rate reverts back to the standard rate if a payment is late or missed. Payments are applied to the lowest APR balances first. All 1st United credit cards require consent to recovery of delinquent balances from Credit Union shares. 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. Loans are subject to credit approval. Cannot be combined with any other offer. Program is subject to Terms and Conditions. View our full Visa disclosure online at 1stunitedcu.org/drop. Auto Refinance: APR (Annual Percentage Rate) as of October 1, 2025. Loan cannot be used to refinance an existing 1st United Credit Union loan. Offer is for a limited time, 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 year models 2018 and older or mileage over 100,000. Minimum loan of $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. Must use promo code DROP. Account must be in good standing. Personal Loan: APR (Annual Percentage Rate) as of October 1, 2025 and is subject to change. Loan cannot be used to refinance an existing 1st United Credit Union loan or line of credit. Visit us online at 1stunitedcu.org/personal-loan-rates for current rates. Lowest rate quoted. Limited-time APR ranges between 7.89% and 20.89%. Must use promo code DROP. Your rate may vary based on creditworthiness, amount financed, and terms and conditions. No pre-payment penalty. Loans are subject to credit approval. Quoted rate for terms up to 24 months. Loan payment example: $45.18 per month for each $1,000 borrowed at 7.89% APR for 24 months. Membership is required and established by opening a savings account. Membership is available to anyone who lives, works, or attends school in Alameda, Contra Costa, San Joaquin, Solano, Stanislaus, or Kings Counties, California. Federally insured by NCUA.
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Meriwest Credit Union: Driving Growth Through Member-Centric Innovation and Community Expansion
In today’s financial landscape, Meriwest Credit Union stands as a beacon of growth and member empowerment. Founded with roots tracing back to 1961, Meriwest has evolved from a modest institution into a robust financial partner serving Alameda, Contra Costa, San Francisco, San Mateo, and Santa Clara counties in California, as well as Pima County in Arizona. This expansion isn’t just about geography; it’s about deepening roots in communities and tailoring services to foster prosperity for members and local businesses alike. At its core, Meriwest operates with members’ best interests at heart, governed by a volunteer board elected by those it serves, ensuring decisions prioritize reduced fees, higher savings rates, and lower loan costs over shareholder profits. Meriwest’s commitment to growth is evident in its innovative product development, community work, and future new branch locations. Designed to meet the evolving needs of its members, the credit union has introduced a suite of innovative
financial products and services: HomeFast ADU Loan: For Bay Area homeowners looking to expand their properties; provides financing to build Accessory Dwelling Units (ADUs), increasing property equity and generating rental income while tackling local housing shortages. SecureEdge Money Market Account: For members seeking secure, highyield savings; offers competitive rates with enhanced deposit insurance up to $1,250,000 to protect and grow wealth during economic uncertainty. MyLine: For checking account holders facing unexpected expenses; a line of credit up to $5,000 with local decision-making, quick closings, and no overdraft fees to cover shortfalls without traditional penalties. Business Services: For small and mediumsized business owners; includes term loans and lines of credit with competitive rates, flexible repayment terms, and no prepayment penalties to fund equipment, expansions, or cash flow needs. This year, Meriwest, a strong partner of
local nonprofits and community initiatives, launched the Meriwest Community Foundation, a 501c3. This allows the credit union to further their support of building stronger communities, forge new partnerships, and enhance more lives
through the power of financial literacy and empowerment. Meriwest is also expanding its footprint in San Jose. The purchase of a former Marie Callender’s restaurant site, closed since 2022, to develop a new corporate
campus and branch, plus an additional new branch opening in Morgan Hill reflect the organization’s commitment to expanding its service to its members and the San Jose community. As Meriwest continues to innovate,
it remains steadfast in putting members first, developing products that anticipate needs and expand opportunities. Meriwest is not just growing, it’s helping its members and community’s flourish.
ESCAPE POD, PARENT PAD, GUEST NEST. Transform Your Space with a 12-Month Introductory Rate
Fixed Term Loan
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Visit meriwest.com/HomeFast-ADU *Offer of credit is subject to credit approval and must meet eligibility criteria. Contact the credit union for complete details. Origination fees, ranging from $700 to $1,300, are deferred unless the loan remains open for three or more years, at which point the deferred origination fees are waived. Approved construction plans and permits must be submitted before funds are released. Property insurance is required. Limited time offer. May be changed or terminated without prior notice. Membership is required with a one-time non-refundable $5 fee. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Insured by NCUA. Copyright 2025 Meriwest Credit Union.
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For The DREAMS You Achieve.
For The LIFE You Build.
Building Trust for 90 Years. 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. Nuvision honors and contributes throughout the year to first responders, veterans, active military and local heroes. From checking accounts to loan products, 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. Visit nuvisionfederal.com to find out 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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Podcast: Aging Out Loud: Stories, Support, and Safety Michele Enriquez (Patelco) and guest Avonelle Hanley-Mills (SOLVE Coordinating Manager, Mental Health Association of SF), shared insights on reducing elder isolation, embracing aging, and preventing scams through community.
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Nuvision: For the Life You Build in the East Bay
Nuvision Credit Union presented donations during the VFW Post 1351 Memorial Day Luncheon in Martinez, supporting local veterans through the Delta Veterans Group and the Diablo Valley Veterans Foundation.
Over the past year, Nuvision Credit Union expanded its presence in the East Bay with the addition of SafeAmerica Credit Union to the Nuvision family—and its long-standing tradition of serving members and supporting local communities. Nuvision shares this commitment to empowering people and enhancing financial well-being. With seven branches now serving the region, Nuvision continues to grow and enhance the many services we offer. This year also marks Nuvision’s 90th Anniversary serving members in California, a milestone that underscores our dedication to members
and the communities who are at the heart of everything we do. Our guiding principle, For the Life You Build, focuses on three key areas: helping those in need, supporting Military and First Responders, and enhancing Financial Literacy. Every day, we are making a difference in people’s lives and in communities throughout the East Bay. Nuvision believes strong communities are built on ensuring everyone has access to basic needs. In the East Bay, we partner with organizations like Loaves and Fishes and Open Heart Kitchen to provide food to families and help break down barriers to
hunger relief. As part of this commitment, we also support clothing drives with community partners like White Pony Express, helping families meet everyday needs alongside food assistance. We hold deep respect for those who serve and protect our communities. Nuvision actively supports first responders and military personnel, recognizing their invaluable contributions. Through community partnerships with VFW 1351 in Martinez and American Legion Post 237 in Pleasanton, we are proud to serve our heroes. From hosting military appreciation events to supporting programs like Shop with
a Cop and toy drives during the holidays, we are committed to strengthening community ties. Financial literacy is essential for building a secure future. As part of our long-standing commitment to improving financial literacy, Nuvision provides members with the tools and knowledge they need to make informed financial decisions through workshops, personalized advice, and online resources. We are also introducing our successful How Money Works financial literacy program in Berkeley to help high school and college students build confidence in money management.
Our partnership with SafeAmerica continues a shared mission of serving the underserved. Together, we are enhancing services and deepening our impact in the East Bay. With Nuvision’s resources and our history of community engagement, we are excited to bring even more opportunities to those we serve. As we grow in the East Bay, we invite you to join us in building the life you envision. At Nuvision, we are more than just a credit union—we are your
partner in every step of your financial journey. Nuvision Credit Union is here For the Life You Build. Whether you’re planning your next financial step or looking for a credit union that shares your values, we’re here to support you. Learn more at nuvisionfederal.com. Follow our story on X @ NuVisionFCU, Facebook @nuvisioncubayarea, Instagram @ nuvisioncreditunion, LinkedIn /nuvisionfederal-credit-union, and TikTok @ nuvisioncreditunion.
Credit Union Listing Guide 1st Nor Cal Credit Union 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 Alliance Credit Union 800-232-8669 alliancecu.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 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 www.wealthcu.org Cooperative Center Federal Credit Union (510) 845-6428 coopfcu.org Excite Credit Union 800.232.8669 excitecu.org Featured:
Formerly Pacific Postal Credit Union
F3 Credit Union We’re “the 94-year-old startup” rewriting the rules of banking in Silicon Valley. While many banks cling to tradition, we embrace change — moving faster, thinking bigger, and redefining what a credit union can offer in a world shaped by technology, innovation, and possibility. We began in 1931 by serving postal workers, and for nearly a century we’ve evolved into a next-generation financial institution built to meet the needs of Silicon Valley’s dynamic and diverse population. Our impact goes far beyond banking. While many institutions stop at writing sponsorship checks, we go further, farther, and faster —
proudly serving as the Key Credit Union Contributor to San José State University’s Lucas College Graduate School of Business on initiatives that champion entrepreneurship and artificial intelligence while equipping students with real-world financial literacy. By combining innovative financial tools with a deep commitment to education, empowerment, and community, we’re challenging outdated expectations of what a credit union can be. We’re not just a place to bank — we’re a platform for growth, a champion of future talent, and a catalyst for possibility. Nearly a century later, we’re proving that even a 94-year-old credit union can think — and act — like a Silicon Valley startup. For more information: 800-696-6009 F3creditunion.com Featured:
KeyPoint Credit Union KeyPoint is a fullservice financial institution, fully insured by the NCUA. 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 ATM fee 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, applying for a loan, or visit any KeyPoint 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 hands-onapproach 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:
Welcome to Nuvision Credit Union Helping build the lives of hard-working people has been our mission for 90 years. Founded to serve Douglas aircraft employees in 1935, 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 the convenience of mobile and digital banking. At Nuvision, we believe banking is about building relationships that last, standing with our members through every stage of life, and making sure the next generation has even greater opportunities. With seven convenient branch locations across the East Bay, members can count on both local service and 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 See LISTING GUIDE Pg 12
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The 94-Year-Old Startup That’s Redefining What a Credit Union Should Be Founded in 1931 to serve postal workers, F3 Credit Union has spent nearly a century evolving into a next-generation financial institution built to meet the needs of Silicon Valley’s growing and everchanging population. While many banks cling to tradition, F3 embraces change — moving faster, thinking bigger, and redefining what a credit union can and should offer in a world driven by technology, innovation, and possibility. One example of that forward-thinking approach is F3’s 6% Certificate of Deposit (CD) — the highest rate in the Bay Area. While competitors deliver far less, F3 flipped the script, proving that a credit union can offer products as bold and rewarding as any fintech startup. A $10,000 deposit could earn over $600 in a year, transforming ordinary savings into meaningful opportunity. But F3’s mission extends far beyond financial products. While many institutions stop at writing sponsorship checks, F3 consistently goes further, farther, and faster — actively participating with San José State University’s Lucas College Graduate School of Business on initiatives that champion entrepreneurship and
artificial intelligence, while equipping students with tools and products that promote real-world financial literacy. F3’s leadership regularly participates in invitation-only campus programs and serve as mentors and judges in the iconic Silicon Valley Business Plan Competition, helping students transform bold ideas into realworld ventures. By combining innovative financial tools with a deep commitment to education, innovation, and economic empowerment, F3 is challenging outdated expectations of what
a credit union can be. It’s not just a place to bank — it’s a platform
for growth, a champion of future talent, and a catalyst for possibility.
Nearly a century after its founding, F3 is proving that even a
94-year-old credit union can think, and act, like a Silicon Valley startup.
The Basics of Financial Literacy A financial safety net can help people navigate the ups and downs of life. Developing that safety net requires a measure of financial literacy that anyone can nurture. What is financial literacy? The United States Department of Education defines financial literacy as an understanding of how to earn, manage and invest money. That recognition can increase the chances that individuals make sound financial decisions, thus setting them up for long-term success and stability. What makes financial literacy so important? The benefits of financial literacy are not limited to theoretical notions such as the ability to understand money makes individuals more likely to make sound decisions regarding their finances. Indeed, the Financial Industry Regulatory Authority (FINRA) notes that financial literacy has been proven to produce positive results. In its National Financial Capability Study released in 2022, the FINRA found that respondents who exhibited higher financial literacy were more likely to make ends meet than those without such knowledge. Sixty-five percent of respondents with higher financial literacy were able to
set aside three months of emergency funds at higher levels than respondents with lower literacy levels. The study also linked financial literacy to long-term stability, as more than half of respondents (52 percent) with higher financial literacy calculated their retirement savings needs, an important step that fewer than one
in three (29 percent) with lower literacy levels had taken. What are some additional benefits of financial literacy? Individuals are often confronted with a host of options when making financial decisions. That includes choices regarding bank accounts and credit cards, which are two variables related
to financial literacy that individuals encounter every day. Individuals with financial literacy can pick a bank account that most suits their needs, whether that s standard accounts like checking and savings or something more unique like a highyield savings account. Knowledge of financial basics also can prepare individuals to choose
the right credit card, which can be a more difficult decision than choosing a bank account given the number of different cards available. Low-APR, no-APR, travel rewards, cashback cards, and balance transfer cards are some of the options consumers can choose from when picking a credit card. Financial literacy increases the chances
consumers pick the card that best suits their short- and long-term needs. Financial literacy can help people navigate challenges that periodically arise during the course of everyone s life. Taking time to learn some financial basics can set people up for longterm economic health. Content provided by Metro
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UNCLE Credit Union: Built on Trust, Powered by Innovation
For over six decades, UNCLE Credit Union has been a trusted partner in our communities, providing a full range of financial services to meet the diverse needs of our members. Anyone who lives, works, worships, or studies in Alameda, Contra Costa, San Joaquin, or Stanislaus County is welcome to join. Unlike banks, UNCLE Credit Union is a not-for-profit financial cooperative
owned by its members. This means our focus is on returning value to members through better rates, lower fees, and personalized service— rather than maximizing profits for shareholders. With over $730 million in assets and 40,000 members, UNCLE continues to invest in technology, talent, and infrastructure, including the recently remodeled Livermore Main financial center and relocation
of our contact center, to deliver an exceptional banking experience. Members have access to a variety of financial services, including checking and savings accounts, credit cards, mortgage and home loan products, business banking, and wealth management options. UNCLE members also automatically qualify for our Membership Rewards Program, designed to incentivize members for their
loyalty and engaging in activities such as use of digital services, debit or credit card transactions, or maintaining deposit balances. UNCLE currently operates five financial centers in the Tri-Valley and Central Valley regions and offers 24/7 online and mobile banking services. Our digital services include mobile wallet, early payday direct deposit, the ability to send money via Zelle®, setting real-time account alerts,
and more. Members also benefit from nationwide access through over 5,000 shared branches and nearly 30,000 ATMs available in the CO-OP Shared Branching Network. Our success is rooted in integrity, teamwork, and community engagement. From financial education and volunteer initiatives to local partnerships, we are committed to strengthening the communities we serve.
We are proud to have been recognized as a San Francisco Top Workplace for four consecutive years and voted Best Credit Union by East Bay Times for eight years running—a reflection of both our employee culture and member-first approach. For more information, visit www. unclecu.org or stop by one of our financial centers in Pleasanton, Livermore, Tracy, or Stockton.
Find out what sets UNCLE apart! Discover the credit union difference by visiting one of our financial centers or www.unclecu.org.
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Prepared for the Unexpected: Why Emergency Savings Matter
Life rarely goes exactly as planned. A sudden car repair, a medical bill, or even an unexpected job change can disrupt financial stability overnight. That is why having an emergency fund is so important. It provides a financial cushion that can keep you steady and reduce stress when life throws the unexpected your way. At CommonWealth Central Credit Union, people come first. Since our founding in 1958, we’ve operated as a notfor-profit cooperative, owned by our members— not shareholders. Every service we provide is designed with one goal in mind: helping individuals and families achieve greater financial well-being. One of the most important steps toward stability is building an emergency fund. An emergency savings account creates a dedicated cushion to handle life’s surprises. Why an Emergency Fund Matters Financial experts recommend setting aside three to six months of essential living expenses. Yet studies show that less than half of Americans could cover a $1,000 emergency with their savings. Without a cushion, many turn to high-interest credit cards or loans, which can add to financial strain. An emergency fund is more than a
financial tool—it’s also an emotional safety net. Having money set aside means you can manage surprise expenses without derailing your budget or long-term goals. How to Build Your Safety Net Starting your emergency savings may feel overwhelming, but small, consistent steps can make a big difference: • Start today. Even a small first deposit builds momentum. • Set realistic goals. Look at your budget and find room for savings.
• Automate contributions. Schedule transfers so saving happens without extra effort. • Review regularly. As your situation changes, adjust how much you save. • Celebrate progress. Every deposit, no matter how big or small, strengthens your financial resilience. CommonWealth Central Credit Union’s Commitment Building savings is easier with guidance. That is why
CommonWealth provides financial wellness resources, including educational tools and annual check-ins with Money Coaches, who can
help members review their progress and adjust their plans. Preparedness builds confidence. By taking steps to establish an
emergency fund, you’ll not only be ready for life’s unexpected challenges—you’ll also feel more secure about the future.
Own Your Financial Story
With Us!
Every member has a story—one filled with dreams, milestones, and moments that matter. At CommonWealth, we believe banking isn’t just about transactions. It’s about partnership, understanding, and helping you reach for what’s next.
We’re here to support you with: t
Free one-on-one financial coaching
t
Budgeting tools that fit your life
t
Member-first solutions tailored to you
We provide the products and tools to help you save, grow, and achieve your goals—from building savings to buying your first home.
Together, we’ll guide and inspire your financial story today and for generations to come. education ncial literacy a n fi e th te o the I apprecia ealth and als W n o m m o C our offered by ion makes in n u it d re c e th fa investment a recipient o y tl n e c re s a eir Iw ontinuing th c community. re a o h w s for adult provide scholarship olarship will h sc t a th d n oals. education, a pursue my g I s a se a e e me with som 17 ber Since 20 m e M ~ . M h Lila
Love this bank. They have been very supportive throughout my life with auto loans and credit cards. Wonderful customer service. Lea B. ~ Member Since 2002
I have felt v alued and re sp my encoun ters with Co ected in all mmonwea This is the fi lth. rst p decisions fo lace I start with financ ial r credit, loa ns, savings, etc. Heather O. ~ Member Since 2021
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Learn More!
wealthcu.org | (800) 564-1588
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Tips to educate young adults to be smart about credit
Credit is a necessary component of doing business in the modern world. The credit reporting agency Experian defines credit as the ability to borrow money or access goods or services with the understanding that a person will pay later. Various creditors grant credit based on their confidence that a borrower will repay what is owed. Many adults learn about credit through trial and error. Financial literacy is not taught in many schools, although lots of people feel it merits space alongside literature, math, science, and other subjects. A recent NextGen study found only one in six
high school students are required to take a personal finance class in the United States. In addition, a survey conducted in 2018 by Chase bank found only one-third of Americans were taught what a credit score is by their parents. It is essential that guardians share information about credit with young adults to help them be financially solvent and successful later in life. Here are some ways to help young adults learn about credit.
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multi-year awards for excellence from leading consumer and business organizations, including Newsweek’s America’s Best Regional Banks and Credit Unions and Bankrate’s Best Credit Unions, and was named a Best-In-State Credit Union in 2025 by Forbes. The company was founded in 1936 with $500 by Pacific Telephone and Telegraph Company employees and is based in Dublin, Ca. For more information, visit patelco.org.
from page 8
Pacific Service Credit Union 888-858-6878 pacificservice.org Featured:
Patelco Credit Union Patelco Credit Union is a not-for-profit credit union committed to serving the financial health and wellbeing of its membership. With more than $9 billion in assets, Patelco empowers its 500,000 members to live their best financial lives by offering personalized solutions, advice, and expertise. Patelco has received numerous
Credit Union from page 1
the country. This is something most banks don’t offer. For frequent travelers, that’s a big win. 7. Transparency and Trust Big banks have often been in the headlines for hidden fees, aggressive sales tactics, or practices that leave customers frustrated. Credit unions take a different approach: transparency
Start with credit basics Speak generally about credit and how it is used. Then explain credit scores,
credit bureaus and credit reports. A credit history and credit score is important information for young adults to have early on and check frequently, as having good credit improves the chances they will qualify for loans and earn acceptable terms in the future. Help them build credit Having one or more credit accounts can help a person establish and build credit by making payments on time. Credit card companies often advertise student and secured credit card accounts that come with small or managed credit limits. Making purchases on the cards
Check their credit reports The Federal Trade Commission recommends checking a child s credit score around the age of 16 or 17. This will help families figure out if there are any anomalies that may
indicate identity theft or inaccurate credit issues. Know the formula for good credit Forbes says there are five categories that add up to good credit: 1. Payment history (35 percent): Always pay bills on time. 2. Amounts owed (30 percent): Borrow a low amount compared to the total lines of credit. This also is known as credit utilization. 3. Length of credit history (15 percent): Keeping accounts open for a long time is a win. 4. New credit (10 percent): Do not apply for too much new credit too often. 5. Credit mix (10 percent): Having a balance Featured:
Shell Western States Federal Credit Union 925-228-4545 | 833461-8710
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
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. Stanford Federal Credit Union 888-723-7328 sfcu.org
and member-first policies. Because they’re not chasing profits, credit unions focus on fairness and clarity. Members know their institution is looking out for them, not shareholders. That trust is one of the biggest reasons people stay loyal to their credit unions for decades. 8. A Strong Emotional Connection Money is personal. Where you bank affects
how secure you feel about your financial future. Credit unions build an emotional bond with members by consistently putting their needs first. During tough times, like economic downturns or natural disasters, many credit unions have stepped up with loan forbearance, emergency assistance, and flexible repayment plans. That kind of support builds lasting loyalty.
9. Perfect for Younger Generations Millennials and Gen Z are increasingly drawn to businesses that align with their values: fairness, sustainability, and community impact. Credit unions check all the boxes. They also offer financial education resources and budgeting tools designed to help younger members build strong financial foundations. Combined with lower fees and better
rates, it’s no wonder more young people are choosing credit unions over big banks. Is a Credit Union Right for You? If you value community, fairness, and saving money, a credit union may be a smart choice. Here are a few questions to ask yourself: • Do I want lower fees and better loan rates? • Am I looking for personalized service instead of feeling like just a number?
For more information: 800-358-8228 patelco.org
swsfcu.org Featured:
and paying them in full every month is the best way to improve a credit score or maintain a good one, says the Consumer Financial Protection Bureau. Another way teens can build credit is through their student loans. Making small payments on the principal while in school can help establish a strong credit history.
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
of different types of credit, such as car loans, credit cards and other types of debt, is advantageous. Share your own experiences Sometimes the best way to teach about credit is to be honest about what a parent or another adult did wrong with his or her finances, and use that as a what not to do scenario. It is important for young adults to learn about credit so they can make smart choices that will positively affect their future. Although talking finances may be uncomfortable, it is vital for families to have these discussions. Content provided by Metro 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 • Do I care about supporting my local community? • Would I feel more secure with an institution that prioritizes members over profits? If you answered “yes” to most of these, exploring a credit union could be the next step in your financial journey. Content provided by Amplified Content Studio - AI tools may have been used in this process with human oversight
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KeyPoint Credit Union: Your Partner for Every Financial Step
Life is full of milestones—and the right financial partner makes all the difference. For more than 45 years, KeyPoint Credit Union has been that partner, helping members turn their dreams into achievements. From a child opening their first savings account to a family unlocking the door to their first home—or a retiree planning for the future—KeyPoint’s story is woven into the lives of our members. We’re more than a bank. We’re your lifelong financial partner, empowering you to thrive at every step. As a full-service, not-for-profit credit union, KeyPoint delivers exceptional banking with a personal touch. Our members earn more, save more and stress less—thanks to competitive rates, innovative tools and outstanding service. With intuitive digital banking and seven convenient branch locations—plus access to over 30,000 fee-free ATMs—you’re always connected to your money, wherever life takes you. At KeyPoint, we believe financial wellness is for everyone. We’re committed to making banking accessible
and rewarding, so that everyone has an opportunity to achieve their financial goals. Our members rely on us for personalized guidance, innovative services and the genuine care that comes from being part of a community. Banking is just the beginning. At KeyPoint, we give back by supporting schools, nonprofits, small business and community programs. We empower our neighborhoods by providing opportunities for financial wellness, first-time homeownership and economic growth. Through these initiatives, we strive to
be an active agent of positive change within our community. KeyPoint’s mission is clear: empower members to thrive financially, today, tomorrow and for generations to come. Whether you’re just starting out, growing your family, building your business or planning for retirement, KeyPoint is here to help you achieve your goals and build a brighter financial future. Discover banking that feels personal, powerful and built for you. Join KeyPoint and start thriving today. (888) 255-3637 Visit kpcu.com today!
Bonjour, ADU!
Say hello to KeyPoint Credit Union’s new ADU Loans—designed to help you create space for family, earn extra rental income or boost your property value!
Apply for your ADU Loan today! Visit kpcu.com/mortgage
ADU LOAN OPTIONS* Home Equity Credit Line Current 3-Year Fixed Intro APRs
Current Indexed APRs
7.25% to 8.00%
7.25% to 9.25%
Join us at kpcu.com
Fixed-Rate Term Loan
Current APRs 7.51% to 7.88%
More Ways to Thrive At KeyPoint Credit Union, we go beyond banking—empowering your financial well-being throughout all stages of life.
FREE Checking | Home and Auto Loans | Credit Cards | Business Banking *Rates available as of 10/6/2025. Lifetime maximum variable HELOC APR is 16%. Rates offered to approved applicants depend on credit history, loan-to-value ratio and other factors we may lawfully consider. Fees to establish an equity line of credit or fixed-term equity loan typically range from $2,000-3,000. No annual or early termination fee. All loans subject to credit approval. On ADU construction loans, KeyPoint disburses credit advances directly to contractor. Available rates and terms subject to change without notice. KeyPoint Membership required.
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SILICON VALLEY DESERVES MORE FROM A CREDIT UNION
6% CD rate
THE HIGHEST CD RATE IN THE ENTIRE BAY AREA! 6.13% APY*
Minimum $500 Maximum $10K
12 Month CD
A new kind of credit union built for today’s Silicon Valley. Join the F3 movement. Claim your 6%. Be part of what’s next. (800) 696-6009 | 1040 Leigh Avenue, San Jose, CA 95126 *Offer is open to all persons who live, work, worship or attend school in Santa Clara County; and other individuals who qualify for F3CU new membership. APY=Annual Percentage Yield. The minimum balance to open and earn the promo rate is $500, and the maximum balance is $10,000. A penalty may be imposed for withdrawals before maturity. Promotional rate expires November 14, 2025.