First U.s. Community Credit Union

Sacramento, California
Last verified: August 4, 2026
Work at First U.s. Community Credit Union? Claim this profile →

Verified rate book

Current First U.s. Community Credit Union rates

30 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

18 offers
First U.s. Community Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.626% APR6.500%—Standard
Jumbo 30-Year Fixed30 year fixed6.692% APR6.625%—Standard
Jumbo 15-Year Fixed15 year fixed5.973% APR5.875%—Standard
15-Year Fixed15 year fixed6.071% APR5.875%—Standard
15 Year Fixed (conforming) Non-Owner Occupied15 year fixed6.608% APR6.500%—Standard
15 Year Fixed Second Non-Owner Occupied15 year fixed8.750% APR8.750%—Standard
Jumbo 10-Year Fixed10 year fixed5.758% APR5.625%—Standard
Jumbo 5/5 ARM5 5 arm5.807% APR5.750%—Standard
5/5 ARM5 5 arm5.865% APR5.750%—Standard
10-Year Fixed10 year fixed5.897% APR5.625%—Standard
10/10/10 ARM (Jumbo)10 10 arm6.186% APR6.125%—Standard
10/10/10 ARM (Conforming)10 10 arm6.246% APR6.125%—Standard
20-Year Fixed20 year fixed6.285% APR6.125%—Standard
15/15 ARM (Jumbo)arm6.312% APR6.250%—Standard
Jumbo 20-Year Fixed20 year fixed6.333% APR6.250%—Standard
15/15 ARM (Conforming)arm6.372% APR6.250%—Standard
10 Year Fixed (conforming) Non-Owner Occupied10 year fixed6.652% APR6.500%—Standard
10 Year Fixed Second Non-Owner Occupied10 year fixed8.000% APR8.000%—Standard

Auto & vehicle rates

1 offer
First U.s. Community Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loanauto5.090% APR5.090%—Standard

HELOC rates

6 offers
First U.s. Community Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity Lineheloc4.750% APR4.750%—Standard
HELOCheloc_variable4.750% APR4.750%—Standard
HELOC (Variable)heloc_variable6.750% APR6.750%—Standard
10-Year Home Equity Loan (Fixed)heloc_fixed7.000% APR7.000%—Standard
15-Year Home Equity Loan (Fixed)heloc_fixed7.250% APR7.250%—Standard
20-Year Home Equity Loan (Fixed)heloc_fixed7.500% APR7.500%—Standard

Personal loan rates

3 offers
First U.s. Community Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
60-Month Share-Secured Loanpersonal_secured_60mo6.450% APR6.450%60 moStandard
12-Month Unsecured Personal Loanpersonal_unsecured_12mo9.490% APR9.490%12 moStandard
Personal Lines of Creditploc_variable13.250% APR13.250%—Standard

Savings & CD rates

2 offers
First U.s. Community Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Certificatecd3.60% APY3.60%—Standard
Smart Start High Yield Savings Accountsavings4.00% APY4.00%—Standard

As of August 4, 2026, First U.s. Community Credit Union offers a 30-year fixed mortgage at 6.626% APR. Auto loans available from 5.09% APR. HELOC rates from 4.75% APR. Personal loan rates from 6.45% APR. Savings and certificate yields up to 4.00% APY.

Source: RateAPI.dev, verified from First U.s. Community Credit Union's official website

Loading branch locator…

About First U.s. Community Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
27.6K
Assets
$554.2M
Founded
1936
Locations reported
6
NCUA charter
68474
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
  • First-time homebuyer program
  • Student scholarships

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.

PatelcoSACRAMENTO · Sacramento · CA · 95825Branch in the same ZIPSacramentoArden Branch · Sacramento · CA · 95825Branch in the same ZIPSchoolsfirstSacramento Operations Center · Sacramento · CA · 95815About 2.2 miles awaySafeEast Sacramento · Sacramento · CA · 95819About 2.3 miles awayCalifornia CommunityMain · Sacramento · CA · 95826About 3.7 miles awaySelf-HelpSacramento · Sacramento · CA · 95820About 4.4 miles away

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 First U.s. Community Credit Union

Membership eligibility from First U.s. Community Credit Union's own published criteria. How we verify this.

Membership via employers (Federal employees +1 more)

  • LocationSacramento, Placer, Nevada, El Dorado, Amador, Yuba, Yolo, Sutter, San Joaquin, Solano, Sierra, Contra Costa
  • EmployerFederal employees, SAFEWAY

Verified from First U.s. Community Credit Union's membership page. Final membership determination is always made by the credit union.

Work at First U.s. Community Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where First U.s. Community Credit Union ranks against California peers.

Claim this profileHow scorecards work

Frequently Asked Questions

What rates does First U.s. Community Credit Union offer?

First U.s. Community Credit Union currently offers mortgage, Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are First U.s. Community Credit Union rates updated?

RateAPI verifies First U.s. Community 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 First U.s. Community Credit Union's rate data?

Rate data is collected directly from First U.s. Community 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 First U.s. Community Credit Union's mortgage rate?

As of August 4, 2026, First U.s. Community Credit Union offers a 30-year fixed mortgage at 6.626% APR.

What are First U.s. Community Credit Union's auto loan rates?

As of August 4, 2026, First U.s. Community Credit Union offers auto loans from 5.09% APR.

What is First U.s. Community Credit Union's HELOC rate?

As of August 4, 2026, First U.s. Community Credit Union offers home equity lines of credit from 4.75% APR.

What is First U.s. Community Credit Union's personal loan rate?

As of August 4, 2026, First U.s. Community Credit Union offers personal loans from 6.45% APR.

What is First U.s. Community Credit Union's best CD rate?

As of August 4, 2026, First U.s. Community Credit Union offers savings and certificate (CD) yields up to 4.00% APY.

Related Rate Data

Compare First U.s. Community Credit Union's rates against national credit-union benchmarks.

More California credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track First U.s. Community Credit Union rates

Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move.

Daily rate email

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for First U.s. Community Credit Union
curl "https://api.rateapi.dev/credit-unions/california/first-us-community" \
  -H "Authorization: Bearer YOUR_API_KEY"
Explore API DocumentationUse with Claude