P.O. Box 2351
Sacramento, CA 95812

Notable Rates APY Vs.Others
Savings 0.10% 2.20% →
1-Year CD 1.51% 2.20% →
2-Year CD 1.61% 2.20% →
5-Year CD 2.43% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Sacramento is an NCUA insured institution located in Sacramento, CA. It was founded in 1935 and has approximately $488.42 millions in assets.

Who can join?

Any and all persons who live or regularly work in El Dorado, Placer, Sacramento, Solano, Sutter, Yolo and Yuba Counties, California, as well as any and all businesses, corporations, and/or other legal entities in the aforementioned counties are eligible to join.

NCUA Insured Yes
Charter Number # # 62641
Date Established 1935
Assets $488.42 million
Loans $284.20 million
Deposits $413.22 million
Capital $72.53 million

Field of Membership Restrictions

Membership is open to anyone who lives or regularly works in Sacramento, El Dorado, Placer, Sutter, Yolo, Solano, or Yuba Counties in California. Also eligible are any businesses corporations or legal entities in those counties.

Deposit Rates - February 16, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.40% $2,500 $9,999 Learn MoreShow Less
Money Market
0.50% $10,000 $24,999 Learn MoreShow Less
Money Market
0.60% $25,000 $49,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
0.85% $1,000 $19,999 Learn MoreShow Less
1.05% $1,000 $19,999 Learn MoreShow Less
1.51% $1,000 $19,999 Learn MoreShow Less
1.56% $1,000 $19,999 Learn MoreShow Less
1.61% $1,000 $19,999 Learn MoreShow Less
1.61% $1,000 $19,999 Learn MoreShow Less
1.92% $1,000 $19,999 Learn MoreShow Less
2.07% $1,000 $19,999 Learn MoreShow Less
2.43% $1,000 $19,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.10% $300 $999 Learn MoreShow Less

Loan Rates - February 16, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SACRAMENTO

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.378% 3.375% 0.00 $92 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$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 Sacramento 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:

Sacramento Locations

Financial Details

Sacramento Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Sacramento. 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
Sacramento U.S. Average
0.33% 5.86

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 June 30, 2019, Sacramento had $208,531 in non-current loans and $38,523 in owned assets. To cover these potential losses it had $72,527,207 in net worth and $1,806,563 in loans loss reserves. That gives it a Texas Ratio of 0.33%.

Net Worth
Sacramento U.S. Average
15.26% 13.65%

Sacramento FCU has a net worth of 15.26% versus the BestCashCow average of 13.65. 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 Sacramento

Branches and Savings

What is Sacramento?

A federal credit union, registered with the NCUA under certificate #62641.
Learn more about credit unions here.

Is Sacramento 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 Sacramento?

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

What are Sacramento's share account and share certificate rates?

Sacramento'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 Sacramento?

Sacramento has total capital of $72.53 million. Full information on Sacramento's financial position is located above.

Who owns Sacramento?

Credit Unions are owned by their members.

Where are Sacramento branches located?

See branch locations nearby.

Are Sacramento ATMs Open 24/7?

Do Sacramento ATMs accept cash deposits?

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

Does Sacramento have a mobile app?

Does Sacramento have mobile deposit?

Does Sacramento have quick pay?

How can Sacramento transfer money to other banks or credit unions?

Does Sacramento report to credit bureaus?

Does Sacramento use Chexsystems?

Does Sacramento use Equifax?

What is Sacramento's toll free phone number?

What is Sacramento's ACH Routing Number?

What is Sacramento's SWIFT code?

Where can I find Sacramento's wire transfer form?

What is the Sacramento address for deposits?

What Products Does Sacramento Offer

Does Sacramento offer mortgages?

Compare mortgage rates here.

Does Sacramento offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Sacramento offer auto and RV loans?

Compare auto loan rates here.

Does Sacramento offer student loans or personal loans?

Compare personal loan rates here.

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