First California Federal Credit Union
Headquarters
2525 E Shields Ave
Fresno, CA 93726
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2024 Overview
General Credit Union Information
First California is an NCUA insured institution located in Fresno, CA. It was founded in 1982 and has approximately $103.86 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 23964 |
| Date Established | 1982 |
| Assets | $103.86 million |
| Loans | $50.94 million |
| Deposits | $95.57 million |
| Capital | $8.10 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 - April 24, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.55% | $50,000 | $99,999 |
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|
| 6 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.55% | $50,000 | $99,999 |
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|
| 12 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.75% | $50,000 | $99,999 |
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|
| 24 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
Loan Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.806% | 6.625% | 0.88 | $6,000 | $2,049 | Learn More |
NMLS ID: 2059741 |
6.905% | 6.750% | 1.00 | $5,094 | $2,076 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to First California
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Branches
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.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
FIRST CALIFORNIA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 7.01% | 6.97 |
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 December 31, 2023, First California had $572,873 in non-current loans and $32,605 in owned assets. To cover these potential losses it had $8,102,528 in net worth and $536,625 in loans loss reserves. That gives it a Texas Ratio of 7.01%.
Net Worth
| First California | U.S. Average |
|---|---|
| 7.8% | 13.62% |
First California FCU has a net worth of 7.8% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for First California
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