Overview / Commentary
530-222-6060
4710 Mountain Lakes Blvd
Redding, CA 96003

Members 1st Credit Union (CA) is headquartered in Redding and is the 119th largest credit union in the state of California. It is also the 1,055th largest credit union in the nation. It was established in 1936 and as of June of 2018, it had grown to 49 employees and 20,025 members at 5 locations. Members 1st Credit Union (CA)'s money market rates are 36% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership for Members 1st Credit Union is open to anyone who works, lives or worships in the counties of Glenn, Butte, Shasta, and Tehama. In addition, membership is extended to school employees, students, and their family members; and government employees in the counties of Butte, Siskiyou, Glenn, Modoc, Lassen, Plumas, Sierra and Trinity.
See current membership details

Reviews (1)

STAY AWAY!!!

Posted by: MattM | Nov 1, 2011

STAY AWAY FROM MEMBERS 1ST IN REDDING!!! I have to start off by saying, the girls that work the counters inside are very nice, I have no problem with them. There customer service as a bank is horrible. To start with their "free" cheeking isn't free. You have to open a savings account and put at least $25 in it that you can't touch. So the free checking is actually $25. No big deal. I open my account and make my first two deposits in the bank. On my third deposit it was a weekend, so they were not open of course and I needed to make my deposit using the ATM. When I tried to make my deposit it would not let me. I waited till Monday morning to go in the bank to find out what was going on. The lady at the counter says, "you can't make ATM deposits for 30 days after opening an account." Mind you this was never stated when I opened my account and my account had been open for over 45 days. To which she said, "oh I guess we forgot to take the hold off of your account." Now fast forward to month number 3. I made a CASH deposit in the ATM and a day latter pay my credit card payments on line. Not only did Members 1st decline all my payments costing me $35 from each of my credit card companies. Members 1st charged me $100 in return fees! When I talked to the manager at the bank about getting the $100 returned, since the money was in my account and it was in cash, so there was no need for any checks to clear, she said "no, we can't return the money. The sign on the ATM states it takes two days for deposits to clear."
  All I can say is there customer service is the worst I have ever seen. Especially for a "local" bank. I hope this post saves at least one other person from making the same mistake I did by using this bank.



Health
A+

Health Grade Components

Overall
NCUA #62677
Year Chartered1936
Employees49
Primary Regulator
Profit Margin
Return on Assets - YTD0.73%
Return on Equity - YTD7.53%
Annual Interest Income$3.1MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$199.3MM$183.9MM
LoansQ2 2018vs Q2 2017$158.2MM$133.8MM
DepositsQ2 2018vs Q2 2017$178.8MM$164.7MM
Equity CapitalQ2 2018vs Q2 2017$19.3MM$18.3MM
Loan Loss AllowanceQ2 2018vs Q2 2017$688.00K$407.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$122.00K$37.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Members 1st Credit Union (CA); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Members 1st Credit Union (CA) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$100-IRA Share Account
0.10%$100-Basic Share Account
0.10%$5-Child Share Savings
0.05%$100-Business Share Account

Members 1st Credit Union (CA) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$50k*-Money Market Account
OTHER TIERS: 0.00% Up to $2.5k | 0.50% $2.5k - $25k | 0.55% $25k - $50k

Members 1st Credit Union (CA) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.00%$5-Draft Plus Account

Members 1st Credit Union (CA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$10k-15 Month Share Certificate Special
1.45%*$25k*-24 Month Share Certificate
OTHER TIERS: 1.35% $1k - $2.5k | 1.40% $2.5k - $25k
1.10%*$25k*-18-23 Month Share Certificate
OTHER TIERS: 1.00% $1k - $2.5k | 1.05% $2.5k - $25k
0.95%*$25k*-12-17 Month Share Certificate
OTHER TIERS: 0.85% $1k - $2.5k | 0.90% $2.5k - $25k
0.80%*$25k*-6-11 Month Share Certificate
OTHER TIERS: 0.70% $1k - $2.5k | 0.75% $2.5k - $25k

Members 1st Credit Union (CA) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.45%*$25k*-24 Month IRA Certificate
OTHER TIERS: 1.35% $1k - $2.5k | 1.40% $2.5k - $25k
1.10%*$25k*-18-23 Month IRA Certificate
OTHER TIERS: 1.00% $1k - $2.5k | 1.05% $2.5k - $25k
0.95%*$25k*-12-17 Month IRA Certificate
OTHER TIERS: 0.85% $1k - $2.5k | 0.90% $2.5k - $25k
0.80%*$25k*-6-11 Month IRA Certificate
OTHER TIERS: 0.70% $1k - $2.5k | 0.75% $2.5k - $25k
Locations


Members 1st Credit Union (CA) Locations
Branch Office5020 Rhonda RdAnderson, CA 96007-9014
Branch Office1380 Hilltop DrRedding, CA 96003-3805
Branch Office1260 Pine StRedding, CA 96001-0606
Branch Office4710 Mountain Lakes BlvdRedding, CA 96003
Branch Office550 Salem StChico, CA 95928-5795

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