Overview / Commentary
2525 E Shields Ave
Fresno, CA 93726

First California Federal Credit Union is headquartered in Fresno and is the 158th largest credit union in the state of California. It is also the 1,700th largest credit union in the nation. It was established in 1982 and as of September of 2018, it had grown to 17 employees and 9,929 members at 1 location. First California Federal Credit Union's CD rates are 12% 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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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

NCUA #23964
Year Chartered1982
Primary Regulator
Profit Margin
Return on Assets - YTD-0.37%
Return on Equity - YTD-4.26%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$90.9MM$89.9MM
LoansQ3 2018vs Q3 2017$50.2MM$41.9MM
DepositsQ3 2018vs Q3 2017$81.6MM$81.4MM
Equity CapitalQ3 2018vs Q3 2017$8.0MM$7.1MM
Loan Loss AllowanceQ3 2018vs Q3 2017$289.00K$201.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$92.00K$209.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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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

0.20%*$50k*-Total Saver Account
OTHER TIERS: 0.10% $250 - $5k | 0.15% $5k - $50k
0.20%*$3k*-IRA Split Rate Account
OTHER TIERS: 0.15% $1k - $3k
0.10%$5-Holiday Club Account
0.10%$5-Vacation Club Account
0.10%$5-Freedom Savings
0.10%$100-IRA Accumulation Account
0.10%$5-Future Savers

First California Federal Credit Union CD Rates

1.11%*$100k*-2 Year Share Certificate
OTHER TIERS: 0.80% $2.5k - $10k | 0.95% $10k - $50k | 1.01% $50k - $100k
1.01%*$100k*-1 Year Share Certificate
OTHER TIERS: 0.70% $2.5k - $10k | 0.80% $10k - $50k | 0.85% $50k - $100k
0.70%*$100k*-6 Month Share Certificate
OTHER TIERS: 0.50% $2.5k - $10k | 0.60% $10k - $50k | 0.65% $50k - $100k
0.45%*$10k*-3 Month Share Certificate
OTHER TIERS: 0.35% $2.5k - $10k

First California Federal Credit Union IRA Rates

1.21%$2.5k-2 Year IRA Certificate
1.06%$2.5k-1 Year IRA Certificate

First California Federal Credit Union Locations
Branch Office2525 E Shields AveFresno, CA 93726

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