First California Federal Credit Union

Overview / Commentary

www.firstcalfcu.org

559-226-8282

2525 E Shields Ave
Fresno, CA 93726

First California Federal Credit Union is headquartered in Fresno and is the 157^th largest credit union in the state of California. It is also the 1,710^th largest credit union in the nation. It was established in 1982 and as of June of 2019, it had grown to 16 employees and 9,813 members at 1 location. First California Federal Credit Union's CD rates are 29% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in First California Federal Credit Union is open to anyone in California through free membership in the California Consumer Council. Membership is also open to Federal Civil Service Employees, Business and Associations within Fresno County, current or retired members of the U. S. Armed Forces living or working in Fresno County.
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Health

B+

Data as of Q2 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. First California Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	23964
Year Chartered	1982
Employees	16
Primary Regulator

Profit Margin
Return on Assets - YTD	0.72%
Return on Equity - YTD	7.85%
Annual Interest Income	$1.5MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$91.7MM$92.4MM
Loans	Q2 2019vs Q2 2018	$47.9MM$50.6MM
Deposits	Q2 2019vs Q2 2018	$82.9MM$82.2MM
Equity Capital	Q2 2019vs Q2 2018	$8.5MM$7.9MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$336.00K$314.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$48.00K$205.00K
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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Savings
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.

First California Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.60%^*	$100k^*	-	Total Saver Account
OTHER TIERS: 0.25% → $250 - $3k \| 0.35% → $3k - $5k \| 0.40% → $5k - $10k \| 0.45% → $10k - $50k \| 0.50% → $50k - $100k
0.50%^*	$5k^*	-	IRA Split Rate Account
OTHER TIERS: 0.40% → $1k - $3k \| 0.45% → $3k - $5k
0.30%	$100	-	IRA Accumulation Account
0.25%	$5	-	Freedom Savings
0.25%	$5	-	Future Savers
0.15%	$5	-	Holiday Club Account
0.15%	$5	-	Vacation Club Account

First California Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.16%^*	$100k^*	-	1 Year Share Certificate
OTHER TIERS: 0.80% → $2.5k - $5k \| 0.85% → $5k - $10k \| 0.90% → $10k - $50k \| 0.95% → $50k - $100k
1.16%^*	$100k^*	-	2 Year Share Certificate
OTHER TIERS: 0.85% → $2.5k - $5k \| 0.90% → $5k - $10k \| 1.01% → $10k - $50k \| 1.06% → $50k - $100k
0.95%^*	$100k^*	-	6 Month Share Certificate
OTHER TIERS: 0.65% → $2.5k - $5k \| 0.75% → $5k - $10k \| 0.80% → $10k - $50k \| 0.90% → $50k - $100k
0.50%^*	$10k^*	-	3 Month Share Certificate
OTHER TIERS: 0.40% → $2.5k - $5k \| 0.45% → $5k - $10k

First California Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.41%^*	$5k^*	-	2 Year IRA Certificate
OTHER TIERS: 1.36% → $2.5k - $5k
1.16%^*	$5k^*	-	1 Year IRA Certificate
OTHER TIERS: 1.11% → $2.5k - $5k

Locations

First California Federal Credit Union Locations
Branch Office	2525 E Shields Ave	Fresno, CA 93726

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