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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 702nd largest credit union in the nation. It was established in 1936 and as of March of 2024, it had grown to 75 employees and 28,491 members at 6 locations. First U.S. Community Credit Union's savings rates are 8X the national average, and it has an A health rating.

Field of Membership Restrictions

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

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Health
A

Data as of Q1 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #68474
Year Chartered1936
Employees75
Primary Regulator
Profit Margin
Return on Assets - YTD0.2%
Return on Equity - YTD2.07%
Annual Interest Income$5MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$544.6MM$545.2MM
LoansQ1 2024vs Q1 2023$346.5MM$325.9MM
DepositsQ1 2024vs Q1 2023$486.6MM$490.1MM
Equity CapitalQ1 2024vs Q1 2023$53.1MM$50.9MM
Loan Loss AllowanceQ1 2024vs Q1 2023$4.2MM$2.2MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$971K$1.1MM
Real Estate OwnedQ1 2024vs Q1 2023$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
4.00%*$0$2kSmart Start Savings
OTHER TIERS: 0.03% → $50k+ | 0.04% → $10k - $50k | 0.25% → $5k - $10k | 0.50% → $2k - $5k
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-Youth Savings

First U.S. Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.15%*$500k*-Money Market Savings Account
OTHER TIERS: 0.50% → $2k - $25k | 1.65% → $25k - $100k | 1.70% → $100k - $250k | 1.95% → $250k - $500k
0.55%*$25k*-Business Money Market
OTHER TIERS: 0.45% → $2.5k - $10k | 0.50% → $10k - $25k

First U.S. Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$0$500Better Than Free Checking
0.15%*$100k*-Dividend Checking
OTHER TIERS: 0.02% → $300 - $20k | 0.05% → $20k - $50k | 0.10% → $50k - $100k
0.02%$1k-Business Interest Checking

First U.S. Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-3-12 Month CD Special
4.50%$500-Business 3-12 Month CD Special
3.60%*$100k*-60 Month Certificate
OTHER TIERS: 3.50% → $500 - $10k | 3.55% → $10k - $100k
3.60%*$100k*-Business 60 Month Certificate
OTHER TIERS: 3.50% → $500 - $10k | 3.55% → $10k - $100k
3.45%*$100k*-48 Month Certificate
OTHER TIERS: 3.30% → $500 - $10k | 3.35% → $10k - $100k
3.45%*$100k*-Business 48 Month Certificate
OTHER TIERS: 3.30% → $500 - $10k | 3.35% → $10k - $100k
3.30%*$100k*-36 Month Certificate
OTHER TIERS: 3.20% → $500 - $100k
3.30%*$100k*-Business 36 Month Certificate
OTHER TIERS: 3.20% → $500 - $100k
3.05%*$100k*-24 Month Certificate
OTHER TIERS: 2.90% → $500 - $10k | 3.00% → $10k - $100k
3.05%*$100k*-Business 24 Month Certificate
OTHER TIERS: 2.90% → $500 - $10k | 3.00% → $10k - $100k
2.70%*$100k*-18 Month Certificate
OTHER TIERS: 2.60% → $500 - $10k | 2.65% → $10k - $100k
2.70%*$100k*-Business 18 Month Certificate
OTHER TIERS: 2.60% → $500 - $10k | 2.65% → $10k - $100k
2.60%*$100k*-12 Month Certificate
OTHER TIERS: 2.50% → $500 - $10k | 2.55% → $10k - $100k
2.60%*$100k*-Business 12 Month Certificate
OTHER TIERS: 2.50% → $500 - $10k | 2.55% → $10k - $100k
2.45%*$100k*-Business 6 Month Certificate
OTHER TIERS: 2.35% → $500 - $10k | 2.40% → $10k - $100k
2.45%*$10k*-9 Month Certificate
OTHER TIERS: 2.40% → $500 - $10k
2.45%*$10k*-Business 9 Month Certificate
OTHER TIERS: 2.40% → $500 - $10k
2.40%*$10k*-6 Month Certificate
OTHER TIERS: 2.35% → $500 - $10k
2.00%$500-3 Month Certificate
2.00%$500-Business 3 Month Certificate

First U.S. Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-3-12 Month IRA Special
3.60%*$100k*-60 Month IRA
OTHER TIERS: 3.50% → $500 - $10k | 3.55% → $10k - $100k
3.45%*$100k*-48 Month IRA
OTHER TIERS: 3.30% → $500 - $10k | 3.35% → $10k - $100k
3.30%*$100k*-36 Month IRA
OTHER TIERS: 3.20% → $500 - $100k
3.05%*$100k*-24 Month IRA
OTHER TIERS: 2.90% → $500 - $10k | 3.00% → $10k - $100k
2.70%*$100k*-18 Month IRA
OTHER TIERS: 2.60% → $500 - $10k | 2.65% → $10k - $100k
2.60%*$100k*-12 Month IRA
OTHER TIERS: 2.50% → $500 - $10k | 2.55% → $10k - $100k
2.40%*$10k*-6 Month IRA
OTHER TIERS: 2.35% → $500 - $10k
2.00%$500-3 Month IRA
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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