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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 158th largest credit union in the state of California. It is also the 1,716th largest credit union in the nation. It was established in 1982 and as of December of 2019, it had grown to 16 employees and 9,866 members at 1 location. First California Federal Credit Union's CD rates are 17% 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 Q4 2019

Learn why bank health matters
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 Chartered1982
Employees16
Primary Regulator
Profit Margin
Return on Assets - YTD0.73%
Return on Equity - YTD7.51%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$91.5MM$91.0MM
LoansQ4 2019vs Q4 2018$47.7MM$49.5MM
DepositsQ4 2019vs Q4 2018$82.3MM$82.6MM
Equity CapitalQ4 2019vs Q4 2018$8.8MM$8.2MM
Loan Loss AllowanceQ4 2019vs Q4 2018$334.00K$333.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$104.00K$59.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$100k*-Total Saver Account
OTHER TIERS: 0.15% → $250 - $3k | 0.25% → $3k - $5k | 0.30% → $5k - $10k | 0.35% → $10k - $50k | 0.40% → $50k - $100k
0.40%*$5k*-IRA Split Rate Account
OTHER TIERS: 0.30% → $1k - $3k | 0.35% → $3k - $5k
0.20%$100-IRA Accumulation Account
0.15%$5-Holiday Club Account
0.15%$5-Vacation Club Account
0.15%$5-Freedom Savings
0.15%$5-Future Savers

First California Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.05%*$100k*-1 Year Share Certificate
OTHER TIERS: 0.70% → $2.5k - $5k | 0.75% → $5k - $10k | 0.80% → $10k - $50k | 0.85% → $50k - $100k
1.05%*$100k*-2 Year Share Certificate
OTHER TIERS: 0.75% → $2.5k - $5k | 0.80% → $5k - $10k | 0.90% → $10k - $50k | 0.95% → $50k - $100k
0.85%*$100k*-6 Month Share Certificate
OTHER TIERS: 0.55% → $2.5k - $5k | 0.65% → $5k - $10k | 0.70% → $10k - $50k | 0.80% → $50k - $100k
0.40%*$10k*-3 Month Share Certificate
OTHER TIERS: 0.30% → $2.5k - $5k | 0.35% → $5k - $10k

First California Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.31%*$5k*-2 Year IRA Certificate
OTHER TIERS: 1.26% → $2.5k - $5k
1.05%*$5k*-1 Year IRA Certificate
OTHER TIERS: 1.00% → $2.5k - $5k
Locations


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

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