1st Nor Cal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.1stnorcalcu.org

925-228-7550

1111 Pine St
Martinez, CA 94553

1st Nor Cal Credit Union is headquartered in Martinez and is the 76^th largest credit union in the state of California. It is also the 551^st largest credit union in the nation. It was established in 1949 and as of March of 2025, it had grown to 91 employees and 32,618 members at 7 locations. 1st Nor Cal Credit Union's money market rates are 12X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in 1st Nor Cal Credit Union is open to those who live, work, worship, or attend school in the California counties of Alameda, Contra Costa, or Solano.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68668
Year Chartered	1949
Employees	91
Primary Regulator

Profit Margin
Return on Assets - YTD	0.62%
Return on Equity - YTD	5.36%
Annual Interest Income	$6.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$782.6MM$837.2MM
Loans	Q1 2025vs Q1 2024	$350.7MM$348.5MM
Deposits	Q1 2025vs Q1 2024	$682.3MM$689.6MM
Equity Capital	Q1 2025vs Q1 2024	$92MM$87.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.1MM$1.2MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$87K$17K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

1st Nor Cal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$10k^*	-	Share Savings Account
OTHER TIERS: 0.10% → $100 - $10k
0.15%	$100	-	Holiday Holdings Account

1st Nor Cal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
5.39%^*	$0	$25k	1st Class Money Market Accounts
OTHER TIERS: 0.85% → $25k+
1.00%^*	$75k^*	-	Money Market Account
OTHER TIERS: 0.75% → $10k - $25k \| 0.85% → $25k - $75k

1st Nor Cal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$10k	-	Checking Account

1st Nor Cal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.20%^*	$100k^*	-	12 Month Share Certificate
OTHER TIERS: 2.95% → $1k - $5k \| 2.99% → $5k - $10k \| 3.05% → $10k - $50k \| 3.10% → $50k - $100k
3.15%^*	$100k^*	-	24 Month Share Certificate
OTHER TIERS: 2.79% → $1k - $5k \| 2.84% → $5k - $10k \| 2.89% → $10k - $50k \| 2.99% → $50k - $100k
2.89%^*	$100k^*	-	18 Month Share Certificate
OTHER TIERS: 2.63% → $1k - $5k \| 2.69% → $5k - $10k \| 2.74% → $10k - $50k \| 2.79% → $50k - $100k
2.53%^*	$50k^*	-	6 - 11 Month Share Certificate
OTHER TIERS: 2.43% → $1k - $5k \| 2.48% → $5k - $50k

1st Nor Cal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$100k^*	-	Individual Retirement Account
OTHER TIERS: 0.50% → $0 - $100k

Locations

1st Nor Cal Credit Union Locations
Branch Office	4261 Century Blvd	Pittsburg, CA 94565-7113
Branch Office	560 1st St Ste B106	Benicia, CA 94510-3579
Branch Office	2500 Nevin Ave	Richmond, CA 94804
Branch Office	538 Center Ave	Martinez, CA 94553
Branch Office	1111 Pine St	Martinez, CA 94553
Branch Office	8660 Brentwood Blvd Ste E	Brentwood, CA 94513-5671
Branch Office	1420 Pomona St	Crockett, CA 94525-1132

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