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 1,696th largest credit union in the nation. It was established in 1982 and as of December of 2018, it had grown to 16 employees and 9,930 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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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-0.12%
Return on Equity - YTD-1.38%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$91.0MM$89.2MM
LoansQ4 2018vs Q4 2017$49.5MM$43.2MM
DepositsQ4 2018vs Q4 2017$82.6MM$80.5MM
Equity CapitalQ4 2018vs Q4 2017$8.2MM$7.2MM
Loan Loss AllowanceQ4 2018vs Q4 2017$333.00K$250.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$59.00K$201.00K
Real Estate OwnedQ4 2018vs Q4 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

0.60%*$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

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

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

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

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