Credit union · NCUA insured
Sacramento Credit Union
A $851.9M credit union headquartered in Sacramento, CA, with 31,124 members and 7 branches in California. Best rates: CDs 4.25% and savings 1.00% APY.
Sacramento Credit Union Carrot Score
82
Carrot Score
Higher than 60% of U.S. banks and credit unions
#14 of 35 in Sacramento, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sacramento Credit Union
Founded in 1935 as Sacramento County Employees' Credit Union, Sacramento Credit Union is a state-chartered community credit union.
In the mid-1980s, the credit union adopted its current name and now operates branches in Sacramento, Elk Grove, Roseville, Folsom, and Fair Oaks.
- Headquarters
- 800 H St, Sacramento, CA 95814-2607
- NCUA charter
- 62641
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives in El Dorado, Placer, Sacramento, Solano, Sutter, Yolo, or Yuba County, California.
- Membership is open to anyone who regularly works in El Dorado, Placer, Sacramento, Solano, Sutter, Yolo, or Yuba County, California.
Other ways
- Membership is open to any business, corporation, or legal entity operating in El Dorado, Placer, Sacramento, Solano, Sutter, Yolo, or Yuba County, California.
Cost to join
- Joining requires an initial deposit of at least $25 in cash or check ($50 if opening both a Savings and Checking Account).
Branches
7 branches in California
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California
7 branches
- Elk Grove Branch8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758Directions
- Madison/Fair Oaks Branch8100 Madison Ave, Fair Oaks, CA 95628Directions
- Folsom Branch1705 Iron Point Rd Ste 100, Folsom, CA 95630Directions
- Roseville Branch5005 Foothills Blvd Ste 1, Roseville, CA 95747Directions
- Arden Branch3102 Arden Way, Sacramento, CA 95825Directions
- Bradshaw Branch3660 Bradshaw Rd, Sacramento, CA 95827Directions
- H Street Branch800 H St, Sacramento, CA 95814Directions
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 | 15.14% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.09% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.71% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $65 | $76 | — |
- CapitalNet worth ratio15.14%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.09%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.71%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$65Peers’ 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 Sacramento Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.