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 Utility District Credit Union Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: May 11, 2026
Utility District Credit Union's Personal Loan Rates are at 3.50%. MonitorBankRates evaluates the financial stability of Utility District Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.69%. Rates were last updated on 05/11/2026. Utility District Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Utility District Credit Union? Share your experience about Utility District Credit Union by leaving a review below, or read customer reviews before you decide to use Utility District Credit Union. Utility District Credit Union
Utility District Credit Union 375 11th St STE 203
https://udcu.org Oakland, CA 94607 
Utility District Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Utility District Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Utility District Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Utility District Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Utility District Credit Union
Website
https://udcu.org
Address
375 11th St STE 203,
Oakland, CA 94607
Phone
510-287-0467
Fax
510-287-0528
President
Samuel Feldman
CEO
Carolyn Maughan
Full-Time Employees
3
Part-Time Employees
2
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.69%
Return on Assets (ROA)
0.4645%
Return on Equity (ROE)
5.3147%
Non-Performing Loans Ratio (NPL)
0.23%
Total Assets
33,450,138
Total Amount of Shares and Deposits
30,311,814
Total Shares and Deposits < 1 Year
30,255,686
Total Shares and Deposits 1 3 Years
56,128
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,780,483
Total Uninsured Shares and Deposits > $250K (F+J)
1,780,483
Total Insured Shares and Deposits > $250K (item 17 less item K)
28,531,331
Total Interest Expense (Sum of items 6 8)
7,943
Share Certificates
3
Number of Accounts for Share Drafts
1,145
IRA KEOGH Accounts
11
Number of Accounts for Regular Shares
2,264
All other shares
132
Money Market Shares
48
Net Income (unless the amount is already included in Undivided Earnings)
43,171
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
11,448,395
Total Liabilities
30,528,672
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
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Add Your Rating and Review for Utility District Credit Union
Frequently Asked Questions About Utility District Credit UnionHow many branches does Utility District Credit Union operate?Utility District Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Utility District Credit Union?Yes, to access services at Utility District Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Utility District Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Utility District Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Utility District Credit Union offer online and mobile banking?Most modern institutions like Utility District Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://udcu.org. Compare to Other Credit Unions
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