--- title: "Utility District Credit Union Rates - California" description: "Current vehicle loan, and personal loan rates from Utility District Credit Union in California. Updated daily with source verification. See who can join Utility District Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/utility-district" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Utility District Credit Union Rates - California ### Auto & vehicle rates 11 offers | Product | Published | Rate | Term / condition | Status | | **36-Month New Auto Loan** auto_new_36mo | — APR | 3.000% | 36 mo · new | Standard | | **48-Month New Auto Loan** auto_new_48mo | — APR | 3.250% | 48 mo · new | Standard | | **36-Month Used Auto Loan** auto_used_36mo | — APR | 3.500% | 36 mo · used | Standard | | **60-Month New Auto Loan** auto_new_60mo | — APR | 3.500% | 60 mo · new | Standard | | **48-Month Used Auto Loan** auto_used_48mo | — APR | 3.750% | 48 mo · used | Standard | | **72-Month New Auto Loan** auto_new_72mo | — APR | 4.000% | 72 mo · new | Standard | | **84-Month New Auto Loan** auto_new_84mo | — APR | 4.250% | 84 mo · new | Standard | | **60-Month Used Auto Loan** auto_used_60mo | — APR | 4.250% | 60 mo · used | Standard | | **72-Month Used Auto Loan** auto_used_72mo | — APR | 4.500% | 72 mo · used | Standard | | **84-Month Used Auto Loan** auto_used_84mo | — APR | 5.500% | 84 mo · used | Standard | | **36-Month Motorcycle Loan** motorcycle_any_36mo | — APR | 5.500% | 36 mo | Standard | Utility District Credit Union auto & vehicle rates as of November 2, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **48-Month Signature Loan** personal_unsecured_48mo | — APR | 9.000% | 48 mo | Standard | Utility District Credit Union personal loan rates as of November 2, 2026 Utility District Credit Union is a credit union in California. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/utility-district) , verified from [Utility District Credit Union's official website](https://udcu.org/) Loading branch locator… ## About Utility District Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.2K Assets $34.1M Founded 1935 Locations reported 2 NCUA charter 61085 Charter type Federally insured state-chartered credit union ### Services and member support - Mobile check deposit - Financial counseling 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. [**Self-Help** Oakland · Oakland · CA · 94607-1931 About 0.6 miles away](https://rateapi.dev/credit-unions/north-carolina/self-help) [**I.l.w.u.** Oakland Branch · Oakland · CA · 94607 About 1.1 miles away](https://rateapi.dev/credit-unions/california/ilwu) [**Patelco** OAKLAND - CITY CENTER · Oakland · CA · 94612 About 1.7 miles away](https://rateapi.dev/credit-unions/california/patelco) [**1st United** Alameda Branch · Alameda · CA · 94501 About 1.9 miles away](https://rateapi.dev/credit-unions/california/1st-united) [**Communityamerica** Oakland - Civic · Oakland · CA · 94612 About 2.1 miles away](https://rateapi.dev/credit-unions/kansas/communityamerica) [**Provident** Provident CU Alameda Branch · Alameda · CA · 94501 About 2.8 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 Utility District Credit Union Membership eligibility from Utility District Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Utility District Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer EBMUD Verified from [Utility District Credit Union's membership page](https://udcu.org/member-application/) . Final membership determination is always made by the credit union. ## Membership rules for Utility District Credit Union Employers 1 published path to membership, last verified August 21, 2026, quoted from Utility District Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of EBMUD “EBMUD Employee ID #*” > [source ↗](https://udcu.org/member-application/) - Employee of EBMUD 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 Utility District Credit Union? Yes No ## Work at Utility District 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 Utility District Credit Union ranks against California peers. - See which AI assistants fetched Utility District 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=utility-district&state=california&code=CA&name=Utility%20District%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Utility District Credit Union offer? Utility District Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 2, 2026 directly from the credit union's official website. ### How often are Utility District Credit Union rates updated? RateAPI verifies Utility District Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 2, 2026. ### Where does RateAPI get Utility District Credit Union's rate data? Rate data is collected directly from Utility District Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Utility District Credit Union? Utility District Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path covering 1 employer for Utility District Credit Union, each quoted from Utility District Credit Union's own published membership criteria. ## Related Rate Data Compare Utility District 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 personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [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://udcu.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 Utility District 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 Utility District Credit Union curl "https://api.rateapi.dev/credit-unions/california /utility-district " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Utility District Credit Union locations Search, filter, and browse all 2 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/utility-district Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp