Fresno, CA 93726
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 1.40% →
1-Year CD 1.16% 1.15% →
2-Year CD 1.16% 1.26% →
5-Year CD N.A. 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

First California is an NCUA insured institution located in Fresno, CA. It was founded in 1982 and has approximately $90.44 millions in assets.

NCUA Insured Yes
Charter Number # # 23964
Date Established 1982
Assets $90.44 million
Loans $47.80 million
Deposits $81.62 million
Capital $8.57 million

Field of Membership Restrictions

Membership in First California Federal Credit Union is open to anyone in California through free membership in the California Consumer Council. Membership is also open to Federal Civil Service Employees, Business and Associations within Fresno County, current or retired members of the U. S. Armed Forces living or working in Fresno County.

Deposit Rates - July 3, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.25% $250 $2,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.50% $10,000 - Learn More
0.80% $10,000 $49,999 Learn More
6 Mo CD
0.95% $100,000 - Learn More
0.90% $10,000 $49,999 Learn More
12 Mo CD
1.16% $100,000 - Learn More
24 Mo CD
1.01% $10,000 $49,999 Learn More
24 Mo CD
1.16% $100,000 - Learn More
Variable IRA Rates APY MIN MAX
0.30% $100 - Learn MoreShow Less
1.11% $2,500 $4,999 Learn MoreShow Less

Loan Rates - July 3, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for FIRST CALIFORNIA

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are First California branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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First California Locations

Financial Details

First California Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First California. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
First California U.S. Average
3.51% 5.92

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2019, First California had $291,642 in non-current loans and $22,599 in owned assets. To cover these potential losses it had $8,574,471 in net worth and $386,623 in loans loss reserves. That gives it a Texas Ratio of 3.51%.

Net Worth
First California U.S. Average
9.48% 13.86%

First California FCU has a net worth of 9.48% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About First California

Branches and Savings

What is First California?

A federal credit union, registered with the NCUA under certificate #23964.
Learn more about credit unions here.

Is First California FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join First California?

Please see Field of Membership information above for information on who is eligible to join.

What are First California's share account and share certificate rates?

First California's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is First California?

First California has total capital of $8.57 million. Full information on First California's financial position is located above.

Who owns First California?

Credit Unions are owned by their members.

Where are First California branches located?

See branch locations nearby.

Are First California ATMs Open 24/7?

Do First California ATMs accept cash deposits?

Can First California customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does First California have a mobile app?

Does First California have mobile deposit?

Does First California have quick pay?

How can First California transfer money to other banks or credit unions?

Does First California report to credit bureaus?

Does First California use Chexsystems?

Does First California use Equifax?

What is First California's toll free phone number?

What is First California's ACH Routing Number?

What is First California's SWIFT code?

Where can I find First California's wire transfer form?

What is the First California address for deposits?

What Products Does First California Offer

Does First California offer mortgages?

Compare mortgage rates here.

Does First California offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First California offer auto and RV loans?

Compare auto loan rates here.

Does First California offer student loans or personal loans?

Compare personal loan rates here.

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