Credit union · NCUA insured
First U.S. Community Credit Union
A $554.2M credit union headquartered in Sacramento, CA, with 27,555 members and 6 branches in California. Best rates: CDs 4.00% and savings 0.10% APY.
First U.S. Community Credit Union Carrot Score
85
Carrot Score
Higher than 68% of U.S. banks and credit unions
#11 of 35 in Sacramento, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First U.S. Community Credit Union
First U.S. Community Credit Union has been member owned and operated since 1936 as a cooperative, not-for-profit financial institution.
First U.S. and Sierra Central Credit Union announced a plan to join forces to create a combined credit union.
- Headquarters
- 580 University Ave, Sacramento, CA 95825
- NCUA charter
- 68474
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, or worships in Sacramento, Placer, Nevada, El Dorado, Amador, Yuba, Yolo, Sutter, San Joaquin, Solano, Sierra, and Contra Costa counties is eligible to join.
Employers and groups
- SAFEWAY employees in Northern California and Northern Nevada are eligible to join.
Military, government and schools
- Federal employees throughout the State of California are eligible to join.
Family and household
- Immediate family or household members of current First U.S. members are eligible to join.
Branches
6 branches in California
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California
6 branches
Sacramento area · 5
- First US Community CUMain office580 University Ave, Sacramento, CA 95825Directions
- Auburn Branch424 Grass Valley Hwy, Auburn, CA 95603Directions
- Gold River Branch11220 Gold Express Dr Ste 405, Gold River, CA 95670Directions
- Rocklin Branch6843 Lonetree Blvd Ste 101, Rocklin, CA 95765Directions
- Watt Branch2150 Watt Ave, Sacramento, CA 95825Directions
Truckee area · 1
- Grass Valley Branch2090 Nevada City Hwy, Grass Valley, CA 95945Directions
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 | 11.95% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.92% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.32% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $75 | $76 | — |
- CapitalNet worth ratio11.95%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.92%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.32%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$75Peers’ 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 First U.S. Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.