1st Northern California Credit Union
Verified rate book
Current 1st Northern California Credit Union rates
31 published offers verified as of August 4, 2026.
Mortgage rates
20 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 7 Year Conformingother | 4.240% APR | 4.240% | — | Standard |
| 10 Year Conformingother | 4.500% APR | 4.500% | — | Standard |
| 7 Year Conformingother | 4.608% APR | 4.240% | — | Standard |
| 15 Year Conformingother | 4.750% APR | 4.750% | — | Standard |
| 10 Year Conformingother | 4.766% APR | 4.500% | — | Standard |
| 15 Year Conformingother | 4.936% APR | 4.750% | — | Standard |
| 20 Year Conformingother | 5.375% APR | 5.375% | — | Standard |
| 15 Year Jumboother | 5.500% APR | 5.500% | — | Standard |
| 20 Year Conformingother | 5.525% APR | 5.375% | — | Standard |
| 20 Year Jumboother | 5.625% APR | 5.625% | — | Standard |
| 15 Year Jumboother | 5.651% APR | 5.500% | — | Standard |
| 30 Year Conformingother | 5.750% APR | 5.750% | — | Standard |
| 20 Year Jumboother | 5.777% APR | 5.625% | — | Standard |
| 30 Year Conformingother | 5.864% APR | 5.750% | — | Standard |
| 30 Year Jumboother | 5.875% APR | 5.875% | — | Standard |
| 30 Year Jumboother | 5.966% APR | 5.875% | — | Standard |
| 10 Year Equity Loanother | 7.000% APR | 7.000% | — | Standard |
| 10 Year Equity Loanother | 7.303% APR | 7.000% | — | Standard |
| 15 Year Equity Loanother | 7.500% APR | 7.500% | — | Standard |
| 15 Year Equity Loanother | 7.719% APR | 7.500% | — | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Adjustable HELOC†heloc_variable | 7.500% APR | 7.500% | — | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Shared Securedpersonal_secured | 7.900% APR | 7.900% | — | Standard |
Credit card rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Premier Pluscredit_card | 8.900% APR | 8.900% | — | Standard |
| Premiercredit_card | 9.900% APR | 9.900% | — | Standard |
| Classiccredit_card | 11.900% APR | 11.900% | — | Standard |
| 1st Rewardscredit_card_rewards | 14.900% APR | 14.900% | — | Standard |
Savings & CD rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| $100.00 - 9,999.99savings | 0.20% APY | 0.20% | — | Standard |
| $10,000.00+savings | 0.25% APY | 0.25% | — | Standard |
| 18-Month Certificatecd_18mo | 2.69% APY | 2.69% | 18 mo | Standard |
| 24-Month Certificatecd_24mo | 2.90% APY | 2.90% | 24 mo | Standard |
| 12-Month Certificatecd_12mo | 3.15% APY | 3.15% | 12 mo | Standard |
As of August 4, 2026, 1st Northern California Credit Union offers mortgage rates from 4.24% APR. HELOC rates from 7.5% APR. Personal loan rates from 7.9% APR. Credit card rates from 8.9% APR. Savings and certificate yields up to 3.15% APY.
Source: RateAPI.dev, verified from 1st Northern California Credit Union's official website
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About 1st Northern California Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 32.4K
- Assets
- $825.4M
- Founded
- 1949
- Locations reported
- 6
- NCUA charter
- 68668
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join 1st Northern California Credit Union
Membership eligibility from 1st Northern California Credit Union's own published criteria. How we verify this.
Community charter: live/work in Contra Costa, Solano, Alameda
- LocationContra Costa, Solano, Alameda
Verified from 1st Northern California Credit Union's membership page. Final membership determination is always made by the credit union.
Work at 1st Northern California Credit Union?
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Frequently Asked Questions
What rates does 1st Northern California Credit Union offer?
1st Northern California Credit Union currently offers mortgage, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are 1st Northern California Credit Union rates updated?
RateAPI verifies 1st Northern California Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get 1st Northern California Credit Union's rate data?
Rate data is collected directly from 1st Northern California Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is 1st Northern California Credit Union's mortgage rate?
As of August 4, 2026, 1st Northern California Credit Union offers mortgage rates from 4.24% APR.
What is 1st Northern California Credit Union's HELOC rate?
As of August 4, 2026, 1st Northern California Credit Union offers home equity lines of credit from 7.5% APR.
What is 1st Northern California Credit Union's personal loan rate?
As of August 4, 2026, 1st Northern California Credit Union offers personal loans from 7.9% APR.
What is 1st Northern California Credit Union's best CD rate?
As of August 4, 2026, 1st Northern California Credit Union offers savings and certificate (CD) yields up to 3.15% APY.
Related Rate Data
Compare 1st Northern California Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for 1st Northern California Credit Union
curl "https://api.rateapi.dev/credit-unions/california/1st-northern-california" \
-H "Authorization: Bearer YOUR_API_KEY"