About Us

About Our Credit Union

Just Like a Bank…Only Better!

Our Credit Union is “Just like a bank, only better.”  Serving the employees and families of Unified Grocers, as well as all stores served by, and vendors associated with, Unified Grocers.  Our credit union has no direct or indirect financial interest in the operation of Unified Grocers.

We’re “just like a bank” because we’re a full-service financial institution offering everything from basic banking accounts, like savings and checking accounts and Christmas Club, to auto loans, home mortgages, home equity lines of credit and credit cards. We also offer free online banking, free online bill pay, and more than 30,000 ATM locations across the United States. We have an awesome Mobile Banking App and offer surcharge-free cash at many of our ATM locations across the United States. You’ll find branches in Commerce, Unified Grocers Corporate Office Café (limited access), El Monte (Main Branch), San Diego, San Fernando Valley, Fullerton (limited access), Santa Fe Springs, and more than 6,800 Service Centers in 40 U.S. states and seven countries.

The reason we are “better” than a bank is that we’re a not-for-profit organization that returns its profits to members – unlike big corporate banks that must show a profit to its shareholders every quarter. Our credit union answers only to its volunteer Board of Directors, and the National Credit Union Administration (NCUA). By law, we must return our profits to members, typically in the form of lower loan rates, higher savings yields and fewer fees. One more important point; banks are huge corporations that often become too large to provide good service. Our credit union is member-owned and committed to excellent customer service – one member at a time.

Financial Excellence

Our Credit Union has more than $430 million in assets with more than $90 million in reserves. We are federally insured by the National Credit Union Administration (NCUA), which regulates the operation of federally chartered and insured credit unions. Your share deposits are federally insured up to at least $250,000 by this organization, so you have the peace of mind that your money is safe with us. Additionally, we are an Equal Housing Lender.

Both the NCUA and our external auditors, Richards & Associates, state that our credit union is operating in a safe and sound manner. In addition, credit unions are evaluated periodically by federal examiners.

Our credit union is extremely proud of its commitment to members, local communities and charities, as well as the environment.  Our main branch is LEED Gold Certified, with over 50% of our energy usage generated through solar panels.

Our Credit Union Philosophy Statement

Our credit union’s greatest assets are our people, capital and reputation. If any of these is ever diminished, the last will be the most difficult to restore. Therefore, we are guided by a Philosophy that has at its heart Integrity, Quality, Member Satisfaction, a Strong Team and Sound Financial Principles.

Integrity

We will demonstrate our integrity by practicing the highest ethical standards and by honoring our commitments. We take personal responsibility for our actions and treat others fairly, and with trust and respect. The confidential information we receive as part of our normal member relationships is guarded at all costs.

Quality

We take great pride in the professional quality of our work and have an unwavering determination to achieve excellence in everything we do. Faced with a choice, we would rather be the best than the biggest.

Member Satisfaction

Satisfied members are essential to our success. Complete member satisfaction is achieved by understanding what the member wants and delivering it flawlessly. When we serve our members well, our own success follows.

A Strong Team

Our strength and competitive advantage has always been our people. We value the skills, strengths and perspectives of our diverse team, and foster a workplace that is challenging, rewarding and safe. For us to be successful, our people must reflect the diversity of the communities and cultures in which we operate. We participate as an integral part of the larger team that includes our sponsor, the local community and the credit union movement at large.

Sound Financial Principles

We are dedicated to complying fully with the letter and spirit of the laws, rules and ethical principles that govern us. Our goal must be to provide fundamental safety and soundness for our members. We ensure our success by satisfying our members and increasing member value through building our capital and attracting and retaining our best people.