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First U.S. Community Credit Union


Overview / Commentary
www.firstus.org
916-576-5700
580 University Ave
Sacramento, CA 95825-6528

First U.S. Community Credit Union is headquartered in Sacramento and is the 88th largest credit union in the state of California. It is also the 693rd largest credit union in the nation. It was established in 1936 and as of September of 2022, it had grown to 77 employees and 27,484 members at 6 locations. First U.S. Community Credit Union's money market rates are 9X the national average, and it has an A health rating.

Field of Membership Restrictions

First U.S. Community Credit Union offers membership to Federal employees throughout the State of California, select employee groups, and SAFEWAY employees in Northern California and Northern Nevada are welcome to join. Also any who works, worships or lives in the counties of Amador, Contra Costa, El Dorado, Placer, Nevada, Sacramento, San Joaquin, Sierra, Solano, Sutter, Yuba, and Yolo.
See current membership details

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Health
A

Data as of Q3 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #68474
Year Chartered1936
Employees77
Primary Regulator
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD8.67%
Annual Interest Income$10.4MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$532.6MM$514.2MM
LoansQ3 2022vs Q3 2021$311.1MM$273.9MM
DepositsQ3 2022vs Q3 2021$480.4MM$455.4MM
Equity CapitalQ3 2022vs Q3 2021$47.0MM$55.5MM
Loan Loss AllowanceQ3 2022vs Q3 2021$2.2MM$1.8MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$2.0MM$182.00K
Real Estate OwnedQ3 2022vs Q3 2021$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 U.S. Community Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$1-Extreme Savings
0.10%$100-IRA Shares
0.10%$300-Health Savings Account
0.05%$100-Regular Savings
0.05%$100-Holiday/Dream Share Account
0.05%$100-Business Regular Savings
0.05%$100-Business Custom Share Account
0.05%$100-YES Club

First U.S. Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*-$2k$mart Start Money Market - New Money
OTHER TIERS: 0.03% → $50k+ | 0.04% → $10k - $50k | 0.25% → $5k - $10k | 0.50% → $2k - $5k
3.00%*-$2kBusiness $mart Start Money Market
OTHER TIERS: 0.03% → $50k+ | 0.04% → $10k - $50k | 0.25% → $5k - $10k | 0.50% → $2k - $5k
1.25%*$500k*-Platinum Money Market
OTHER TIERS: 0.75% → $150k - $250k | 1.00% → $250k - $500k
0.75%*$250k*-Premier Plus Money Market
OTHER TIERS: 0.40% → $50k - $100k | 0.60% → $100k - $250k
0.75%*$250k*-IRA Premier Plus Money Market
OTHER TIERS: 0.40% → $50k - $100k | 0.60% → $100k - $250k
0.75%*$250k*-Premier PLUS Business Money Market
OTHER TIERS: 0.40% → $50k - $100k | 0.60% → $100k - $250k
0.60%$75k$150kGold Money Market
0.50%$35k$75kSilver Money Market
0.35%*$25k*-Premier Money Market
OTHER TIERS: 0.25% → $2.5k - $10k | 0.30% → $10k - $25k
0.35%*$25k*-IRA Premier Money Market
OTHER TIERS: 0.25% → $2.5k - $10k | 0.30% → $10k - $25k
0.35%*$25k*-Premier Business Money Market
OTHER TIERS: 0.25% → $2.5k - $10k | 0.30% → $10k - $25k
0.05%*$20k*-Money Market Checking
OTHER TIERS: 0.02% → $5k - $20k

First U.S. Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%-$500Better Than Free Checking
0.15%*$100k*-Ultimate Checking
OTHER TIERS: 0.10% → $50k - $100k
0.15%*$100k*-Ultimate Business Checking
OTHER TIERS: 0.10% → $50k - $100k
0.02%$300-Dividend Checking
0.02%$1k-Business Interest Checking

First U.S. Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.35%$500-3-18 Month CD Special - 50% New Money
4.35%$500-Business 3-18 Month CD Special - 50% New Money
2.60%*$50k*-60-71 Month Certificate
OTHER TIERS: 2.50% → $500 - $50k
2.60%*$50k*-72-83 Month Certificate
OTHER TIERS: 2.50% → $500 - $50k
2.60%*$50k*-84 Month Certificate
OTHER TIERS: 2.50% → $500 - $50k
2.60%*$50k*-Business 60-71 Month Certificate
OTHER TIERS: 2.50% → $500 - $50k
2.60%*$50k*-Business 72-83 Month Certificate
OTHER TIERS: 2.50% → $500 - $50k
2.60%*$50k*-Business 84-Month Certificate
OTHER TIERS: 2.50% → $500 - $50k
2.35%*$50k*-48-59 Month Certificate
OTHER TIERS: 2.30% → $500 - $50k
2.35%*$50k*-Business 48-59 Month Certificate
OTHER TIERS: 2.30% → $500 - $50k
2.25%*$50k*-36-47 Month Certificate
OTHER TIERS: 2.15% → $500 - $50k
2.25%*$50k*-Business 36-47 Month Certificate
OTHER TIERS: 2.15% → $500 - $50k
2.00%*$50k*-24-29 Month Certificate
OTHER TIERS: 1.90% → $500 - $50k
2.00%*$50k*-30-35 Month Certificate
OTHER TIERS: 1.90% → $500 - $50k
2.00%*$50k*-Business 24-29 Month Certificate
OTHER TIERS: 1.90% → $500 - $50k
2.00%*$50k*-Business 30-35 Month Certificate
OTHER TIERS: 1.90% → $500 - $50k
1.70%*$50k*-12-17 Month Certificate
OTHER TIERS: 1.60% → $500 - $50k
1.70%*$50k*-18-23 Month Certificate
OTHER TIERS: 1.60% → $500 - $50k
1.70%*$50k*-Business 12-17 Month Certificate
OTHER TIERS: 1.60% → $500 - $50k
1.70%*$50k*-Business 18-23 Month Certificate
OTHER TIERS: 1.60% → $500 - $50k
1.70%*$50k*-12-17 Month Y.E.S. Club Certificate
OTHER TIERS: 1.60% → $250 - $50k
1.70%*$50k*-Y.E.S. Club Certificate
OTHER TIERS: 1.60% → $250 - $50k
1.35%*$50k*-6-11 Month Certificate
OTHER TIERS: 1.05% → $500 - $50k
1.35%*$50k*-Business 6-11 Month Certificate
OTHER TIERS: 1.05% → $500 - $50k
0.80%*$50k*-3-5 Month Certificate
OTHER TIERS: 0.60% → $500 - $50k
0.80%*$50k*-Business 3-5 Month Certificate
OTHER TIERS: 0.60% → $500 - $50k

First U.S. Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.35%$500-3-18 Month IRA Special - 50% New Money
2.60%*$50k*-60-71 Month IRA
OTHER TIERS: 2.50% → $500 - $50k
2.60%*$50k*-72-83 Month IRA
OTHER TIERS: 2.50% → $500 - $50k
2.60%*$50k*-84 Month IRA
OTHER TIERS: 2.50% → $500 - $50k
2.35%*$50k*-48-59 Month IRA
OTHER TIERS: 2.30% → $500 - $50k
2.25%*$50k*-36-47 Month IRA
OTHER TIERS: 2.15% → $500 - $50k
2.00%*$50k*-24-29 Month IRA
OTHER TIERS: 1.90% → $500 - $50k
2.00%*$50k*-30-35 Month IRA
OTHER TIERS: 1.90% → $500 - $50k
1.70%*$50k*-12-17 Month IRA
OTHER TIERS: 1.60% → $500 - $50k
1.70%*$50k*-18-23 Month IRA
OTHER TIERS: 1.60% → $500 - $50k
1.35%*$50k*-6-11 Month IRA
OTHER TIERS: 1.05% → $500 - $50k
0.80%*$50k*-3-5 Month IRA
OTHER TIERS: 0.60% → $500 - $50k
Locations


First U.S. Community Credit Union Locations
Branch Office2100 Nevada City HwyGrass Valley, CA 95945
Branch Office424 Grass Valley HwyAuburn, CA 95603
Branch Office580 University AveSacramento, CA 95825
Branch Office6843 Lonetree Blvd Ste 101Rocklin, CA 95765-5880
Branch Office2150 Watt AveSacramento, CA 95825
Branch Office11220 Gold Express Dr Ste 405Gold River, CA 95670-4410

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