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 92^nd largest credit union in the state of California. It is also the 676^th largest credit union in the nation. It was established in 1936 and as of June of 2020, it had grown to 67 employees and 26,670 members at 7 locations. First U.S. Community Credit Union's money market rates are 7X the national average, and it boasts 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, Yolo and Yolo.
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Health

A+

Data as of Q2 2020

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Health Grade Components

Overall
NCUA #	68474
Year Chartered	1936
Employees	67
Primary Regulator

Profit Margin
Return on Assets - YTD	0.84%
Return on Equity - YTD	7%
Annual Interest Income	$7.2MM

Assets and Liabilities
Assets	Q2 2020vs Q2 2019	$452.1MM$385.0MM
Loans	Q2 2020vs Q2 2019	$268.1MM$244.7MM
Deposits	Q2 2020vs Q2 2019	$387.2MM$336.3MM
Equity Capital	Q2 2020vs Q2 2019	$51.8MM$45.2MM
Loan Loss Allowance	Q2 2020vs Q2 2019	$2.1MM$1.6MM
Unbacked Noncurrent Loans	Q2 2020vs Q2 2019	$387.00K$1.3MM
Real Estate Owned	Q2 2020vs Q2 2019	$0$0

Rates

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Savings
Money Market
Checking
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 U.S. Community Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$1	-	Extreme Savings
0.10%	$100	-	IRA Shares
0.10%	$300	-	Health Savings Account
0.10%	$100	-	YES Club
0.05%	$100	-	Regular Savings
0.05%	$100	-	Custom/ Dream Share Account
0.03%	$100	-	Business Regular Savings
0.03%	$100	-	Business Custom Share Account

First U.S. Community Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%^*	-	$2k	$mart Start Money Market - New Money
OTHER TIERS: 0.04% → $50k+ \| 0.10% → $10k - $50k \| 0.50% → $5k - $10k \| 1.00% → $2k - $5k
2.00%^*	-	$2k	Business $mart Start Money Market
OTHER TIERS: 0.04% → $50k+ \| 0.10% → $10k - $50k \| 0.50% → $5k - $10k \| 1.00% → $2k - $5k
0.55%^*	$500k^*	-	Platinum Money Market
OTHER TIERS: 0.40% → $150k - $250k \| 0.50% → $250k - $500k
0.45%^*	$250k^*	-	Premier Plus Money Market
OTHER TIERS: 0.20% → $50k - $100k \| 0.35% → $100k - $250k
0.45%^*	$250k^*	-	IRA Premier Plus Money Market
OTHER TIERS: 0.20% → $50k - $100k \| 0.35% → $100k - $250k
0.45%^*	$250k^*	-	Premier PLUS Business Money Market
OTHER TIERS: 0.20% → $50k - $100k \| 0.35% → $100k - $250k
0.30%	$75k	$150k	Gold Money Market
0.20%^*	$25k^*	-	Premier Money Market
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.15% → $10k - $25k
0.20%	$35k	$75k	Silver Money Market
0.20%^*	$25k^*	-	IRA Premier Money Market
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.15% → $10k - $25k
0.20%^*	$25k^*	-	Premier Business Money Market
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.15% → $10k - $25k
0.04%^*	$20k^*	-	Money Market Checking
OTHER TIERS: 0.03% → $5k - $20k

First U.S. Community Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	-	$500	Better Than Free Checking
0.06%^*	$100k^*	-	Ultimate Checking
OTHER TIERS: 0.05% → $50k - $100k
0.06%^*	$100k^*	-	Ultimate Business Checking
OTHER TIERS: 0.05% → $50k - $100k
0.02%	$300	-	Dividend Checking
0.02%	$1k	-	Business Interest Checking

First U.S. Community Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.30%^*	$100k^*	-	72-83 Month Certificate
OTHER TIERS: 1.20% → $500 - $100k
1.30%^*	$100k^*	-	84 Month Certificate
OTHER TIERS: 1.20% → $500 - $100k
1.30%^*	$100k^*	-	Business 72-83 Month Certificate
OTHER TIERS: 1.20% → $500 - $100k
1.30%^*	$100k^*	-	Business 84-Month Certificate
OTHER TIERS: 1.20% → $500 - $100k
1.25%^*	$100k^*	-	60-71 Month Certificate
OTHER TIERS: 1.15% → $500 - $100k
1.25%^*	$100k^*	-	Business 60-71 Month Certificate
OTHER TIERS: 1.15% → $500 - $100k
1.10%^*	$100k^*	-	48-59 Month Certificate
OTHER TIERS: 1.05% → $500 - $100k
1.10%^*	$100k^*	-	Business 48-59 Month Certificate
OTHER TIERS: 1.05% → $500 - $100k
0.90%^*	$100k^*	-	36-47 Month Certificate
OTHER TIERS: 0.80% → $500 - $50k \| 0.85% → $50k - $100k
0.90%^*	$100k^*	-	Business 36-47 Month Certificate
OTHER TIERS: 0.80% → $500 - $50k \| 0.85% → $50k - $100k
0.80%^*	$50k^*	-	30-35 Month Certificate
OTHER TIERS: 0.75% → $500 - $50k
0.80%^*	$50k^*	-	Business 30-35 Month Certificate
OTHER TIERS: 0.75% → $500 - $50k
0.75%^*	$50k^*	-	24-29 Month Certificate
OTHER TIERS: 0.70% → $500 - $50k
0.75%^*	$50k^*	-	Business 24-29 Month Certificate
OTHER TIERS: 0.70% → $500 - $50k
0.60%^*	$100k^*	-	18-23 Month Certificate
OTHER TIERS: 0.50% → $500 - $100k
0.60%^*	$100k^*	-	Business 18-23 Month Certificate
OTHER TIERS: 0.50% → $500 - $100k
0.55%^*	$100k^*	-	12-17 Month Certificate
OTHER TIERS: 0.45% → $500 - $100k
0.55%^*	$100k^*	-	Business 12-17 Month Certificate
OTHER TIERS: 0.45% → $500 - $100k
0.55%^*	$100k^*	-	Y.E.S. Club Certificate
OTHER TIERS: 0.45% → $250 - $100k
0.35%^*	$100k^*	-	6-11 Month Certificate
OTHER TIERS: 0.30% → $500 - $100k
0.35%^*	$100k^*	-	Business 6-11 Month Certificate
OTHER TIERS: 0.30% → $500 - $100k
0.25%^*	$50k^*	-	3-5 Month Certificate
OTHER TIERS: 0.20% → $500 - $50k
0.25%^*	$50k^*	-	Business 3-5 Month Certificate
OTHER TIERS: 0.20% → $500 - $50k

First U.S. Community Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.30%^*	$100k^*	-	72-83 Month IRA
OTHER TIERS: 1.20% → $500 - $100k
1.30%^*	$100k^*	-	84 Month IRA
OTHER TIERS: 1.20% → $500 - $100k
1.25%^*	$100k^*	-	60-71 Month IRA
OTHER TIERS: 1.15% → $500 - $100k
1.10%^*	$100k^*	-	48-59 Month IRA
OTHER TIERS: 1.05% → $500 - $100k
0.90%^*	$100k^*	-	36-47 Month IRA
OTHER TIERS: 0.80% → $500 - $50k \| 0.85% → $50k - $100k
0.80%^*	$50k^*	-	30-35 Month IRA
OTHER TIERS: 0.75% → $500 - $50k
0.75%^*	$50k^*	-	24-29 Month IRA
OTHER TIERS: 0.70% → $500 - $50k
0.60%^*	$100k^*	-	18-23 Month IRA
OTHER TIERS: 0.50% → $500 - $100k
0.55%^*	$100k^*	-	12-17 Month IRA
OTHER TIERS: 0.45% → $500 - $100k
0.35%^*	$100k^*	-	6-11 Month IRA
OTHER TIERS: 0.30% → $500 - $100k
0.25%^*	$50k^*	-	3-5 Month IRA
OTHER TIERS: 0.20% → $500 - $50k

Locations

First U.S. Community Credit Union Locations
Branch Office	2100 Nevada City Hwy	Grass Valley, CA 95945
Branch Office	424 Grass Valley Hwy	Auburn, CA 95603
Branch Office	1335 J St	Sacramento, CA 95814
Branch Office	580 University Ave	Sacramento, CA 95825
Branch Office	6843 Lonetree Blvd Ste 101	Rocklin, CA 95765-5880
Branch Office	2150 Watt Ave	Sacramento, CA 95825
Branch Office	11220 Gold Express Dr Ste 405	Gold River, CA 95670-4410

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