--- title: "Uncle Credit Union Rates (Nov 2026): CDs to 3.65%" description: "Uncle Credit Union rates today: savings & CDs up to 3.65% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Uncle Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/uncle" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Uncle Credit Union Rates (Nov 2026): CDs to 3.65% ### Auto & vehicle rates 10 offers | Product | Published | Rate | Term / condition | Status | | **24-Month New Auto Loan (2025 and Newer)** auto_new_24mo | — APR | 4.290% | 24 mo · new | Standard | | **60-Month New Auto Loan (2025 and Newer)** auto_new_60mo | — APR | 4.790% | 60 mo · new | Standard | | **72-Month New Auto Loan (2025 and Newer)** auto_new_72mo | — APR | 5.090% | 72 mo · new | Standard | | **84-Month New Auto Loan (2025 and Newer)** auto_new_84mo | — APR | 5.290% | 84 mo · new | Standard | | **24-Month Used Auto Loan (2020–2024)** auto_used_24mo | — APR | 5.490% | 24 mo · used | Standard | | **60-Month Used Auto Loan (2020–2024)** auto_used_60mo | — APR | 5.990% | 60 mo · used | Standard | | **96-Month New Auto Loan (2025 and Newer)** auto_new_96mo | — APR | 6.290% | 96 mo · new | Standard | | **72-Month Used Auto Loan (2020–2024)** auto_used_72mo | — APR | 6.290% | 72 mo · used | Standard | | **84-Month Used Auto Loan (2020–2024)** auto_used_84mo | — APR | 6.490% | 84 mo · used | Standard | | **Super Used Auto (2014-2019)** auto_used_60mo | — APR | 10.490% | 60 mo · used | Standard | Uncle Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Owner Occupied $10,000 to $400,000** heloc | — APR | 6.490% | — | Standard | | **Non-Owner Occupied $10,000 to $400,000** heloc | — APR | 7.490% | — | Standard | Uncle Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Personal Loans (24-60 months)** personal_unsecured_60mo | — APR | 9.990% | 60 mo | Standard | | **Revolving** personal | — APR | 14.240% | — | Standard | Uncle Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 12.990% | — | Standard | | **Choice Rewards** credit_card_rewards | — APR | 13.990% | — | Standard | | **Secured Platinum** credit_card_secured | — APR | 14.990% | — | Standard | Uncle Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 17 offers | Product | Published | Rate | Term / condition | Status | | **Money Markets (Monthly)** money_market | 0.20% APY | 0.20% | — | Standard | | **$2,500 - $9,999.99** savings | — APY | 0.20% | — | Standard | | **$10,000 - $24,999.99** savings | — APY | 0.30% | — | Standard | | **$25,000 - $49,999.99** savings | — APY | 0.31% | — | Standard | | **$50,000 - $99,999.99** savings | — APY | 0.57% | — | Standard | | **$100,000 - $149,999.99** savings | — APY | 0.90% | — | Standard | | **48-Month Certificate** share_certificate_48mo | 1.76% APY | 1.75% | 48 mo | Standard | | **60-Month Certificate** share_certificate_60mo | 1.84% APY | 1.83% | 60 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 2.64% APY | 2.61% | 24 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 2.64% APY | 2.61% | 36 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 2.83% APY | 2.79% | 6 mo | Standard | | **18-Month Certificate** cd_18mo | 3.00% APY | 2.97% | 18 mo | Standard | | **18-Month Certificate** share_certificate_18mo | 3.00% APY | 2.96% | 18 mo | Standard | | **3-Month Certificate** share_certificate_3mo | 3.04% APY | 3.00% | 3 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 3.04% APY | 3.00% | 12 mo | Standard | | **$150,000 +** savings | — APY | 3.11% | — | Standard | | **5-Month Certificate** cd_5mo | 3.65% APY | 3.59% | 5 mo | Standard | Uncle Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 3.65% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/uncle) , verified from [Uncle Credit Union's official website](https://www.unclecu.org/) Loading branch locator… ## About Uncle Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 36.3K Assets $738M Founded 1957 Locations reported 5 NCUA charter 64482 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**1st United** Livermore Branch · Livermore · CA · 94551 About 3.5 miles away](https://rateapi.dev/credit-unions/california/1st-united) [**Patelco** LIVERMORE · Livermore · CA · 94551 About 3.9 miles away](https://rateapi.dev/credit-unions/california/patelco) [**Sunward** Downtown Livermore · Livermore · CA · 94550-3119 About 4.8 miles away](https://rateapi.dev/credit-unions/new-mexico/sunward) [**SMW 104** SMW 104 FCU · Livermore · CA · 94551-7570 About 4.9 miles away](https://rateapi.dev/credit-unions/california/smw-104) [**Pacific Service** Livermore · Livermore · CA · 94551-7666 About 5.0 miles away](https://rateapi.dev/credit-unions/california/pacific-service) [**Provident** Branch Office · Dublin · CA · 94568 About 6.4 miles away](https://rateapi.dev/credit-unions/california/provident) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Uncle Credit Union Membership eligibility from Uncle Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Uncle Credit Union's website. Check the membership page below to confirm whether you qualify. - Location alameda, contra costa, san joaquin, stanislaus — CA - Employer member company - Association select local association, Financial Fitness Association Verified from [Uncle Credit Union's membership page](https://www.unclecu.org/membership/) . Final membership determination is always made by the credit union. ## Membership rules for Uncle Credit Union Geography 4 counties · Employers · Associations 2 19 published paths to membership, last verified August 27, 2026, quoted from Uncle Credit Union’s own published criteria. ### Geography 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Alameda County, CA - Contra Costa County, CA - San Joaquin County, CA - Stanislaus County, CA “Live, work, worship or go to school in the following Northern California counties: Alameda, Contra Costa, San Joaquin or Stanislaus.” > [source ↗](https://www.unclecu.org/membership/) ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of member company “be an employee of a member company” > [source ↗](https://www.unclecu.org/membership/) - Employee of member company ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of select local association “Belong to a select local association” > [source ↗](https://www.unclecu.org/membership/) - Member of select local association - Member of Financial Fitness Association “You can still join UNCLE by first becoming a member of the Financial Fitness Association .” > [source ↗](https://www.unclecu.org/membership/) - Member of Financial Fitness Association Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Uncle Credit Union? Yes No ## Work at Uncle Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Uncle Credit Union ranks against California peers. - See which AI assistants fetched Uncle Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=uncle&state=california&code=CA&name=Uncle%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Uncle Credit Union offer? Uncle Credit Union currently offers Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Uncle Credit Union rates updated? RateAPI verifies Uncle Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Uncle Credit Union's rate data? Rate data is collected directly from Uncle Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Uncle Credit Union's best CD rate? As of November 12, 2026, Uncle Credit Union offers savings and certificate (CD) yields up to 3.65% APY. ### Who can join Uncle Credit Union? Uncle Credit Union publishes its membership criteria on its own website. RateAPI tracks 19 published membership paths covering 4 counties, 1 employer and 2 associations for Uncle Credit Union, each quoted from Uncle Credit Union's own published membership criteria. ## Related Rate Data Compare Uncle Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California HELOC rate leaders](https://rateapi.dev/heloc-rates/california) [California personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.unclecu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Uncle Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Uncle Credit Union curl "https://api.rateapi.dev/credit-unions/california /uncle " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Uncle Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/uncle Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp