Credit union · NCUA insured
Community First Credit Union
A $922.1M credit union headquartered in Santa Rosa, CA, with 58,012 members and 12 branches in California. Best rates: CDs 3.65% and savings 0.75% APY.
Community First Credit Union Carrot Score
82
Carrot Score
Higher than 60% of U.S. banks and credit unions
#4 of 16 in Santa Rosa, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Community First Credit Union
Founded in the 1950s by Sonoma County teachers denied home loans, Community First Credit Union operates as a not-for-profit cooperative.
Headquartered in Santa Rosa, California, the credit union operates 12 branches across Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, and Trinity counties.
The institution expanded its Northern California footprint through the merger of Vocality Community Credit Union into Community First Credit Union.
- Headquarters
- 1105 N Dutton Ave, Ste A, Santa Rosa, CA 95401-4683
- NCUA charter
- 61667
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County are eligible to join.
Family and household
- Individuals who have an immediate relative who lives, works, worships, or goes to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County are eligible to join.
Cost to join
- A minimum opening deposit of $25 is required to open an account.
Branches
12 branches in California
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California
12 branches
Santa Rosa area · 5
- Guerneville16200 Main St, Guerneville, CA 95446Directions
- Healdsburg32 North St, Healdsburg, CA 95448Directions
- College501 College Ave, Santa Rosa, CA 95404Directions
- Fulton1405 Fulton Rd, Ste 105, Santa Rosa, CA 95403Directions
- Sebastopol328 N Main St, Sebastopol, CA 95472Directions
Clearlake area · 2
- Clearlake14866 Olympic Dr, Clearlake, CA 95422Directions
- Lakeport963 11th St, Lakeport, CA 95453Directions
Ukiah area · 2
- Fort Bragg147 N Franklin St, Fort Bragg, CA 95437Directions
- Ukiah530 E Perkins St, Ukiah, CA 95482Directions
Eureka area · 1
- Garberville757 Redwood Dr, Garberville, CA 95542Directions
Napa area · 1
- Napa2375 California Blvd, Ste D, Napa, CA 94559Directions
San Francisco area · 1
- Novato1539 S Novato Blvd, Novato, CA 94947Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.25% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.22% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.16% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $82 | $76 | — |
- CapitalNet worth ratio10.25%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.22%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.16%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$82Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Community First Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.