1st Northern California Credit Union

We are a cooperative financial institution, helping our members achieve their financial goals since 1949. We offer a wide variety of products and services, backed by our commitment to the credit union philosophy, “people helping people”.

1st Nor Cal Credit Union is a not-for-profit financial cooperative. Credit unions do not issue stock or pay dividends to outside stockholders, like most other financial institutions. Instead, earnings are returned to our members in the form of lower loan rates, higher interest on deposits, and lower fees. We exist to serve our members, not to make a profit.

Each credit union member has equal ownership and one vote, regardless of how much money you have on deposit. At 1st Nor Cal Credit Union, you’re both a member and an owner.

We are governed by a board of directors, elected by and from the credit union’s membership. Board members serve voluntarily.

Services Include:
Checking, Savings, Money Market, IRAs, Certificates, Auto Loans, Title Loans, Visa Credit Cards, 1st Mortgage (Refinance and Purchase), Home Equity Line-of-Credit, 2nd Mortgage, and 1st Line-of-Credit, Online Banking, Mobile Banking, Telephone Banking, and Debit Cards with access to over 30,000 CO-OP ATMs nationwide.