What are the current interest rates at First Us Community Credit Union?

Current rates for First Us Community Credit Union include: 12-Month CD: 3.00%, 18-Month CD: 3.10%, 24-Month CD: 3.15%, 60-Month CD: 3.50%, Savings: 0.05%

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First Us Community Credit Union

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First Us Community Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Us Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

First Us Community Credit Union's 3, 6, 9 or 12 Month Special CD rates are at 3.75%, 60 Month CD rates are at 3.60%, 60 Month CD rates are at 3.55%, 48 Month CD rates are at 3.50%, 60 Month CD rates are at 3.50%. First Us Community Credit Union's savings rates are at 0.05%. First Us Community Credit Union's Auto Loan Rates are as low as 5.09%. MonitorBankRates evaluates the financial stability of First Us Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.54%. Rates last updated and verified on 09/22/2026.

First Us Community 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 First Us Community Credit Union? Share your experience about First Us Community Credit Union by leaving a review below, or read customer reviews before you decide to use First Us Community Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.54%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First Us Community Credit Union
First US Community CU

580 University Ave
Sacramento, CA 95825

https://www.firstus.org

First Us Community Credit Union CD Rates

Product	Rate	APY	Term
3, 6, 9 or 12 Month Special Certificate	3.69%	3.75%	3, 6, 9 or 12 Month
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
60 Month Certificate	3.55%	3.60%	60 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
60 Month Certificate	3.50%	3.55%	60 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
60 Month Certificate	3.50%	3.55%	60 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
48 Month Certificate	3.45%	3.50%	48 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
60 Month Certificate	3.45%	3.50%	60 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
36 Month Certificate	3.35%	3.40%	36 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
48 Month Certificate	3.35%	3.40%	48 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
48 Month Certificate	3.35%	3.40%	48 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
48 Month Certificate	3.30%	3.35%	48 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
24 Month Certificate	3.25%	3.30%	24 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
36 Month Certificate	3.25%	3.30%	36 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
36 Month Certificate	3.25%	3.30%	36 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
36 Month Certificate	3.25%	3.30%	36 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
24 Month Certificate	3.20%	3.25%	24 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
24 Month Certificate	3.20%	3.25%	24 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
18 Month Certificate	3.15%	3.20%	18 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
18 Month Certificate	3.11%	3.15%	18 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
18 Month Certificate	3.11%	3.15%	18 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
24 Month Certificate	3.11%	3.15%	24 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
12 Month Certificate	3.06%	3.10%	12 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
18 Month Certificate	3.06%	3.10%	18 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
12 Month Certificate	3.01%	3.05%	12 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
12 Month Certificate	3.01%	3.05%	12 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
12 Month Certificate	2.96%	3.00%	12 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
9 Month Certificate	2.96%	3.00%	9 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
9 Month Certificate	2.96%	3.00%	9 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
9 Month Certificate	2.96%	3.00%	9 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
9 Month Certificate	2.91%	2.95%	9 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
6 Month Certificate	2.86%	2.90%	6 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
6 Month Certificate	2.86%	2.90%	6 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
6 Month Certificate	2.86%	2.90%	6 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
6 Month Certificate	2.81%	2.85%	6 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
3 Month Certificate	2.77%	2.80%	3 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
3 Month Certificate	2.77%	2.80%	3 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
3 Month Certificate	2.77%	2.80%	3 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
3 Month Certificate	2.77%	2.80%	3 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

First Us Community Credit Union Savings Rates

Product	Rate	APY
Smart Start Savings & IRA	3.93%	4.00%
Min Deposit $0 Min Balance $0 Details Balance: $0 - $2,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Money Market Savings & IRA	2.13%	2.15%
Min Deposit $2,000 Min Balance $500,000 Details Balance: $500,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Money Market Savings & IRA	1.93%	1.95%
Min Deposit $2,000 Min Balance $250,000 Details Balance: $250,000 - 499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Money Market Savings & IRA	1.69%	1.70%
Min Deposit $2,000 Min Balance $100,000 Details Balance: $100,000 - 249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Money Market Savings & IRA	1.64%	1.65%
Min Deposit $2,000 Min Balance $25,000 Details Balance: 25,000 - 99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Smart Start Savings & IRA	1.49%	1.50%
Min Deposit $0 Min Balance $2,000 Details Balance: $2,000.01 - $5,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Money Market Savings & IRA	0.65%	0.65%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $2,000 - 24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Smart Start Savings & IRA	0.25%	0.25%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000.01 - $10,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Dream Savings	0.10%	0.10%
Min Deposit $1 Min Balance $5,000 Details Balance: $5,000 - 24,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Dream Savings	0.10%	0.10%
Min Deposit $1 Min Balance $25,000 Details Balance: $25,000 - 99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Dream Savings	0.10%	0.10%
Min Deposit $1 Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Health Savings Account (HSA)	0.10%	0.10%
Min Deposit $0 Min Balance $300 Details Balance: $300+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Prime Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5,000 Details Balance: $5,000 - 24,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Prime Savings	0.10%	0.10%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000 - 99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Prime Savings	0.10%	0.10%
Min Deposit $5 Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Smart Start Savings & IRA	0.08%	0.08%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.01 - $50,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Smart Start Savings & IRA	0.08%	0.08%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000.01+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Dream Savings	0.05%	0.05%
Min Deposit $1 Min Balance $100 Details Balance: $100 - 4,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Prime Savings	0.05%	0.05%
Min Deposit $5 Min Balance $100 Details Balance: $100 - 4,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Youth Savings	0.05%	0.05%
Min Deposit $5 Min Balance $100 Details Balance: $100+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

First Us Community Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings & IRA	2.13%	2.15%
Min Deposit $2,000 Min Balance $500,000 Details Balance: $500,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Money Market Savings & IRA	1.93%	1.95%
Min Deposit $2,000 Min Balance $250,000 Details Balance: $250,000 - 499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Money Market Savings & IRA	1.69%	1.70%
Min Deposit $2,000 Min Balance $100,000 Details Balance: $100,000 - 249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Money Market Savings & IRA	1.64%	1.65%
Min Deposit $2,000 Min Balance $25,000 Details Balance: 25,000 - 99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Money Market Savings & IRA	0.65%	0.65%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $2,000 - 24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

First Us Community Credit Union Checking Rates

Product	Rate	APY
Better Than Free Checking	1.00%	1.00%
Min Deposit $0 Min Balance $0 Details Balance: Up to $500 w/ direct deposit Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Dividend Checking	0.15%	0.15%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - 99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Dividend Checking	0.15%	0.15%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Dividend Checking	0.15%	0.15%
Min Deposit $100 Min Balance $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Dividend Checking	0.08%	0.08%
Min Deposit $100 Min Balance $20,000 Details Balance: $20,000 - 49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Dividend Checking	0.08%	0.08%
Min Deposit $100 Min Balance $20,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Dividend Checking	0.05%	0.05%
Min Deposit $100 Min Balance $300 Details Balance: $300 - 19,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Dividend Checking	0.05%	0.05%
Min Deposit $100 Min Balance $300 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

First Us Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line	4.75%	-	4.75%
Details intro rate for 6 months (new HELOCs), then Prime + 0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

First Us Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles Loan	-	-	5.09%	36 months
Details Model years 2025 - 2027 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Vehicles Loan	-	-	5.09%	48 months
Details Model years 2025 - 2027 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Vehicles Loan	-	-	5.09%	60 months
Details Model years 2025 - 2027 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Vehicles Loan	-	-	5.29%	66 months
Details Model years 2025 - 2027 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Vehicles Loan	-	-	5.34%	72 months
Details Model years 2025 - 2027 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Vehicles Loan	-	-	5.49%	36 months
Details Model years 2017 - 2024 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Vehicles Loan	-	-	5.49%	48 months
Details Model years 2017 - 2024 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Vehicles Loan	-	-	5.59%	60 months
Details Model years 2017 - 2024 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Vehicles Loan	-	-	5.64%	84 months
Details Model years 2025 - 2027 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Vehicles Loan	-	-	5.69%	66 months
Details Model years 2017 - 2024 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Vehicles Loan	-	-	5.74%	72 months
Details Model years 2017 - 2024 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Vehicles Loan	-	-	6.09%	84 months
Details Model years 2017 - 2024 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
First Time Auto Buyer	-	-	9.59%
Details New - 9.59%; Model year 2016 or newer, 100,000 or fewer miles Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
First Time Auto Buyer	-	-	9.99%
Details Used - 9.99%; Model year 2016 or newer, 100,000 or fewer miles Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

First Us Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loans	-	7.24%	Up to 84 months
Details Including ATVs, UTVs, Snowmobiles & Jet Skis Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Recreational Vehicles Loan	-	7.74%	Up to 60 months
Details Model years 2025 - 2027 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Recreational Vehicles Loan	-	7.74%	72 months
Details Model years 2025 - 2027 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Recreational Vehicles Loan	-	7.74%	84 months
Details Model years 2025 - 2027 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Recreational Vehicles Loan	-	7.99%	Up to 60 months
Details Model year 2024 or older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Recreational Vehicles Loan	-	7.99%	72 months
Details Model year 2024 or older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Recreational Vehicles Loan	-	7.99%	84 months
Details Model year 2024 or older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Recreational Vehicles Loan	-	8.24%	120 months
Details Model years 2025 - 2027 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Motorcycle Loans	-	8.24%	Up to 84 months
Details Including ATVs, UTVs, Snowmobiles & Jet Skis Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Recreational Vehicles Loan	-	8.49%	120 months
Details Model year 2024 or older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Recreational Vehicles Loan	-	8.74%	180 months
Details Model years 2025 - 2027 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Recreational Vehicles Loan	-	8.99%	180 months
Details Model year 2024 or older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Recreational Vehicles Loan	-	9.74%	240 months
Details Model years 2025 - 2027 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Recreational Vehicles Loan	-	9.99%	240 months
Details Model year 2024 or older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

First Us Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
IRA Shares	0.10%	-	0.10%
Min Deposit $0 Min Balance $100 Details Balance: $100+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

First Us Community Credit Union’s Texas Ratio rose from 1.49% in Q2 2023 to 3.54% in Q1 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$554M	3.54%	5.0	A+
December 31, 2025	$549M	3.00%	5.0	A+
September 30, 2025	$545M	1.50%	5.0	A+
June 30, 2025	$544M	1.33%	5.0	A+
March 31, 2025	$553M	1.29%	5.0	A+
December 31, 2024	$538M	0.73%	5.0	A+
September 30, 2024	$544M	1.25%	5.0	A+
June 30, 2024	$542M	1.05%	5.0	A+
March 31, 2024	$545M	1.45%	5.0	A+
December 31, 2023	$536M	1.06%	5.0	A+
September 30, 2023	$534M	1.15%	5.0	A+
June 30, 2023	$542M	1.49%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for First Us Community 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 First Us Community 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 First Us Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Us Community Credit Union

Website https://www.firstus.org

Address 580 University Ave, Sacramento, CA 95825

Phone 916-576-5700

Fax 916-561-0345

President Dennis Cook

CEO Shonna Shearson

Full-Time Employees 76

Part-Time Employees 2

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.54%

Return on Assets (ROA)

-0.0666%

Return on Equity (ROE)

-0.5704%

Non-Performing Loans Ratio (NPL)

0.71%

Total Assets

554,171,294

Total Amount of Shares and Deposits

490,051,419

Total Shares and Deposits < 1 Year

475,793,590

Total Shares and Deposits 1 3 Years

9,795,781

Total Shares and Deposits > 3 Years

4,462,048

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

57,316,039

Total Uninsured Shares and Deposits > $250K (F+J)

57,316,039

Total Insured Shares and Deposits > $250K (item 17 less item K)

432,735,380

Total Interest Expense (Sum of items 6 8)

1,743,985

Share Certificates

3,040

Number of Accounts for Share Drafts

16,777

IRA KEOGH Accounts

1,200

Number of Accounts for Regular Shares

35,337

All other shares

Money Market Shares

1,302

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)

52,387,662

Total Liabilities

494,090,839

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

First Us Community Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About First Us Community Credit Union

How many branches does First Us Community Credit Union operate?

First Us Community 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 First Us Community Credit Union?

Yes, to access services at First Us Community 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, First Us Community 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, First Us Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does First Us Community Credit Union offer online and mobile banking?

Most modern institutions like First Us Community 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.firstus.org.