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Advertiser Disclosure
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 1st Northern California Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
1st Northern California Credit Union's 12 Month CDs rates are at 3.30%, 24 Month CDs rates are at 3.20%, 6 - 11 Month CD rates are at 3.15%, 6 - 11 Month CDs rates are at 3.10%, 18 Month CDs rates are at 2.95%. 1st Northern California Credit Union's savings rates are at 0.25%. 1st Northern California Credit Union's money market rates are at 5.39%. 1st Northern California Credit Union's checking rates are as high as 0.05%. 1st Northern California Credit Union's 15 Year Jumbo Loan rates are at 5.75%, 20 Year Jumbo Loan rates are at 5.88%, 30 Year Jumbo Loan rates are at 6.12%. 1st Northern California Credit Union's Personal Loan Rates are as low as 8.90%. 1st Northern California Credit Union's Credit Card Rates are at 8.90%. 1st Northern California Credit Union's CD rates are 7% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of 1st Northern California Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.12%. Rates last updated and verified on 10/30/2026. 1st Northern California Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 1st Northern California Credit Union? Share your experience about 1st Northern California Credit Union by leaving a review below, or read customer reviews before you decide to use 1st Northern California Credit Union. 1st Northern California Credit Union
Martinez 1111 Pine St
https://www.1stnorcalcu.org Martinez, CA 94553  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. 1st Northern California Credit Union CD Rates
1st Northern California Credit Union Savings Rates
1st Northern California Credit Union Money Market Rates
1st Northern California Credit Union Checking Rates
1st Northern California Credit Union Mortgage Rates
1st Northern California Credit Union Home Equity & HELOC
1st Northern California Credit Union Auto Loan Rates
1st Northern California Credit Union RV, Boat and Powersport Loan Rates
1st Northern California Credit Union Credit Card Rates
1st Northern California Credit Union Personal Loan Rates
1st Northern California Credit Union Other Rates
Financial Health History1st Northern California Credit Union’s Texas Ratio stayed near 0.08% in Q3 2023 to 0.12% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for 1st Northern California Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather 1st Northern California Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with 1st Northern California Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
1st Northern California Credit Union
Website
https://www.1stnorcalcu.org
Address
1111 Pine St,
Martinez, CA 94553
Phone
925-228-7550
Fax
President
Stephen Ybarra
CEO
David Green
Full-Time Employees
93
Part-Time Employees
0
Branch Locations
6
ATM Locations
4
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.12%
Return on Assets (ROA)
0.2768%
Return on Equity (ROE)
2.3440%
Non-Performing Loans Ratio (NPL)
0.03%
Total Assets
829,004,618
Total Amount of Shares and Deposits
720,114,729
Total Shares and Deposits < 1 Year
698,265,348
Total Shares and Deposits 1 3 Years
21,849,377
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
59,731,833
Total Uninsured Shares and Deposits > $250K (F+J)
59,731,833
Total Insured Shares and Deposits > $250K (item 17 less item K)
660,382,896
Total Interest Expense (Sum of items 6 8)
4,432,824
Share Certificates
1,444
Number of Accounts for Share Drafts
16,844
IRA KEOGH Accounts
932
Number of Accounts for Regular Shares
34,684
All other shares
430
Money Market Shares
7,876
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
41,701,790
Total Liabilities
731,192,461
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About 1st Northern California Credit UnionDoes 1st Northern California Credit Union offer CDs?Yes. 1st Northern California Credit Union current CD rates include its 12 Month CDs at 3.30% APY, its 24 Month CDs at 3.20% APY and its 6 - 11 Month CD at 3.15% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from 1st Northern California Credit Union NCUA insured?Yes. 1st Northern California Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at 1st Northern California Credit Union?The highest 1st Northern California Credit Union CD rate is its 12 Month CDs at 3.30% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does 1st Northern California Credit Union offer?1st Northern California Credit Union CD rates are 3.15% APY for an 11 month CD, 3.30% APY for a 12 month CD, 2.95% APY for an 18 month CD and 3.20% APY for a 2 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with 1st Northern California Credit Union for its full lineup. What is the highest savings rate at 1st Northern California Credit Union?The highest 1st Northern California Credit Union savings rate is its Savings Accounts at 0.25% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at 1st Northern California Credit Union?The highest 1st Northern California Credit Union money market rate is its 1st Class Money Market Accounts at 5.39% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at 1st Northern California Credit Union?The highest 1st Northern California Credit Union checking rate is its Checking Accounts at 0.05% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest mortgage rate at 1st Northern California Credit Union?The lowest 1st Northern California Credit Union mortgage rate is its 15 Year Jumbo Loan at 5.75%, verified by MonitorBankRates as of October 30, 2026. 1st Northern California Credit Union mortgage rates are 6.125% for a 30 year mortgage, 5.875% for a 20 year mortgage and 5.75% for a 15 year mortgage. What is the lowest auto loan rate at 1st Northern California Credit Union?The lowest 1st Northern California Credit Union auto loan rate is its New/Used Auto Loan at 4.50% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at 1st Northern California Credit Union?The lowest 1st Northern California Credit Union personal loan rate is its Signature Loan at 8.90% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at 1st Northern California Credit Union?The lowest 1st Northern California Credit Union credit card APR is its Credit Card - Premier Plus at 8.90% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does 1st Northern California Credit Union operate?1st Northern California Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join 1st Northern California Credit Union?Yes, to access services at 1st Northern California Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, 1st Northern California Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, 1st Northern California Credit Union provides members with tools to manage their accounts and build a solid financial history. Does 1st Northern California Credit Union offer online and mobile banking?Most modern institutions like 1st Northern California Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.1stnorcalcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do 1st Northern California Credit Union rates compare?1st Northern California Credit Union's CD rates are 7% higher than the MonitorBankRates national average, and it has an A+ health rating. 1st Northern California Credit Union's top rates are its 12 Month CDs at 3.30% APY, its Savings Accounts at 0.25% APY, its 1st Class Money Market Accounts at 5.39% APY, its Checking Accounts at 0.05% APY, its 15 Year Jumbo Loan at 5.75%, its Signature Loan at 8.90% APR and its Credit Card - Premier Plus at 8.90% APR, verified by MonitorBankRates on October 30, 2026. Current 1st Northern California Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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