Credit union · NCUA insured
1st Nor Cal® Credit Union Savings Rates
Top Carrot1st Nor Cal® Credit Union’s best savings rate is 0.90% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How 1st Nor Cal® Credit Union’s savings rates compare
Compared with banks and credit unions near San Francisco, CA, where 1st Nor Cal® Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
1st Nor Cal® Credit Union
0.90%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $90
Money Market Account
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
1st Nor Cal® Credit Union savings score
97
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0005.39%
- $10,000 balance$10,0005.39%
- $100,000 balance$100,0002.10%
- QualifiedQualified5.39%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1st Nor Cal® Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
1st Class Money Market Account
5.39%APY on $10,000
Reverse tier money market. Limit one 1st Class Money Market Account per member SSN or Tax ID. Business accounts are not eligible. Membership required ($5 minimum deposit) for persons who live, regularly work, attend school, or worship in Contra Costa, Solano, or Alameda counties. No monthly fees. No minimum deposit. No minimum balance.
| Part of the balance | Rate on that part |
|---|---|
| Up to $25,000 | 5.39% |
| $25,000 and up | 1.00% |
On $10,000 the tiers blend to about 5.39% APY, earning $539 a year.
Sources (3)
- 1stnorcalcu.org/accounts/1st-class-money-market
- 1stnorcalcu.org/rates/account-rates
- 1stnorcalcu.org/accounts/money-market
All captured Oct 6, 2026
Money Market Account
0.90%APY
Membership required ($5 minimum deposit) for persons living, working, attending school, or worshiping in Contra Costa, Solano, or Alameda counties. No monthly fees. Direct deposit. No minimum deposit. No minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $10,000 | 0.20% | — |
| $10,000 – $25,000 | 0.90% | $90 |
| $25,000 – $75,000 | 1.00% | — |
| $75,000 and up | 1.00% | — |
Sources (2)
All captured Oct 6, 2026
Share Savings Account
0.25%APY
Membership requires a one-time $5 minimum deposit/purchase of a $5.00 share. Must maintain a minimum balance of $100.00 to earn dividends/stated APY. Eligibility open to persons who live, regularly work, attend school, or worship in Contra Costa, Solano, or Alameda counties.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $10,000 | 0.20% | — |
| $10,000 and up | 0.25% | $25 |
Sources (3)
- 1stnorcalcu.org/account-disclosure
- 1stnorcalcu.org/rates/account-rates
- 1stnorcalcu.org/accounts/savings
All captured Sep 16, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Savings
0.50%APY
No minimum deposit to open. Earnings are tax-deferred. Dividends are declared quarterly by the Board of Directors. Insured separately up to $250,000 by the NCUA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100,000 | 0.50% | $50 |
| $100,000 and up | 0.75% | — |
Sources (2)
All captured Sep 16, 2026
Holiday Club Account
0.15%APY
May be opened at any time. Deposits can be made via payroll deduction or direct deposit. Must maintain a minimum balance of $100.00 to obtain disclosed APY. Funds are not available for withdrawal until annual disbursement on or about October 2nd each year; premature withdrawal incurs a penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upPenalty for early withdrawal prior to annual disbursement on or about October 2nd.$100 and up | 0.15% | $15 | Penalty for early withdrawal prior to annual disbursement on or about October 2nd. |
Sources (3)
- 1stnorcalcu.org/accounts/club-accounts
- 1stnorcalcu.org/account-disclosure
- 1stnorcalcu.org/rates/account-rates
All captured Sep 16, 2026
Who can join 1st Nor Cal® Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, regularly works, currently attends school, or currently worships in Contra Costa, Solano, or Alameda counties, and businesses/entities located there.
Family and household
- Membership is open to persons within the immediate family or household of a member.
- Membership is open to surviving persons within the immediate family of a deceased member.
Other ways
- Membership is open to corporate or other legal entities listed.
- Membership is open to organizations of eligible persons listed.
- Membership is open to persons retired as pensioners or annuitants from any of the eligible groups listed.
Cost to join
- Membership requires a one-time $5 minimum deposit.
Membership information collected October 5, 2026.