Founded in 1935 by visionary EBMUD employees, UDCU was created to offer affordable financial products and services through collective resources. While we’ve grown over the years, our guiding principle of ‘service over profit’ remains unchanged.
What sets us apart is our member-owned structure, personalized service, and competitive loan rates. As a non-profit, we operate efficiently and pass savings directly to our members—offering lower fees, reduced loan rates, and outstanding service. By opening accounts, enrolling in direct deposit, and using UDCU’s products, you help us expand our offerings and maintain low lending rates to fellow EBMUD employees. As a member, you’re not just joining a credit union—you’re becoming a shareholder in a community built on mutual support.
