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First Us Community Credit Union

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First Us Community Credit Union Rates & Review November 2026

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

Current rates for First Us Community Credit Union include: 12-Month CD: 3.10%, 18-Month CD: 3.10%, 24-Month CD: 3.15%, 60-Month CD: 3.50%, Savings: 4.00%

Q: What CD terms does First Us Community Credit Union offer?

First Us Community Credit Union CD rates are 3.20% APY for a 12 month CD, 3.10% APY for an 18 month CD, 3.30% APY for a 2 year CD, 3.40% APY for a 3 year CD, 3.50% APY for a 4 year CD and 3.60% APY for a 5 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 First Us Community Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

First Us Community Credit Union's 60 Month CD rates are at 3.60%, 48 Month CD rates are at 3.50%, 36 Month CD rates are at 3.40%, 24 Month CD rates are at 3.30%, 12 Month CD rates are at 3.20%. First Us Community Credit Union's savings rates are at 4.00%. First Us Community Credit Union's checking rates are as high as 1.00%. First Us Community Credit Union's Personal Loan Rates are as low as 9.49%. First Us Community Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 4.67%. Rates last updated and verified on 10/30/2026.

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

4.67%

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

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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.

First Us Community Credit Union CD Rates

Product	Rate	APY	Term
3, 6, 9 or 12 Month Special	3.928%	4.00%	3, 6, 9 or 12 Month
Min Balance $500 Details Share & IRA Certificates; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Certificate Specials - 3, 6, 9 or 12 Month Special	3.928%	4.00%	3, 6, 9 or 12 months
Min Balance $500 Details Rate Type: Fixed; Share & IRA Certificates Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
60 Month Certificate	3.545%	3.60%	60 Months
Min Balance $100,000 Details Balance: $100,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
60 Month Certificate	3.497%	3.55%	60 Months
Min Balance $10,000 Details Balance: $10,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
60 Month Certificate	3.497%	3.55%	60 Months
Min Balance $50,000 Details Balance: $50,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
48 Month Certificate	3.445%	3.50%	48 Months
Min Balance $100,000 Details Balance: $100,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
60 Month Certificate	3.445%	3.50%	60 Months
Min Balance $500 Details Balance: $500 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
36 Month Certificate	3.348%	3.40%	36 Months
Min Balance $100,000 Details Balance: $100,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
48 Month Certificate	3.348%	3.40%	48 Months
Min Balance $10,000 Details Balance: $10,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
48 Month Certificate	3.348%	3.40%	48 Months
Min Balance $50,000 Details Balance: $50,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
48 Month Certificate	3.30%	3.35%	48 Months
Min Balance $500 Details Balance: $500 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
24 Month Certificate	3.251%	3.30%	24 Months
Min Balance $100,000 Details Balance: $100,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
36 Month Certificate	3.251%	3.30%	36 Months
Min Balance $500 Details Balance: $500 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
36 Month Certificate	3.251%	3.30%	36 Months
Min Balance $10,000 Details Balance: $10,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
36 Month Certificate	3.251%	3.30%	36 Months
Min Balance $50,000 Details Balance: $50,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
24 Month Certificate	3.203%	3.25%	24 Months
Min Balance $10,000 Details Balance: $10,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
24 Month Certificate	3.203%	3.25%	24 Months
Min Balance $50,000 Details Balance: $50,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
12 Month Certificate	3.154%	3.20%	12 Months
Min Balance $100,000 Details Balance: $100,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10% Oct 14, 20263.20%▲ from 3.10% Sep 14, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
18 Month Certificate	3.154%	3.20%	18 Months
Min Balance $100,000 Details Balance: $100,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
12 Month Certificate	3.105%	3.15%	12 Months
Min Balance $10,000 Details Balance: $10,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05% Oct 14, 20263.15%▲ from 3.05% Sep 18, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
12 Month Certificate	3.105%	3.15%	12 Months
Min Balance $50,000 Details Balance: $50,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05% Oct 14, 20263.15%▲ from 3.05% Sep 18, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
18 Month Certificate	3.105%	3.15%	18 Months
Min Balance $10,000 Details Balance: $10,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
18 Month Certificate	3.105%	3.15%	18 Months
Min Balance $50,000 Details Balance: $50,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
24 Month Certificate	3.105%	3.15%	24 Months
Min Balance $500 Details Balance: $500 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
12 Month Certificate	3.057%	3.10%	12 Months
Min Balance $500 Details Balance: $500 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 14, 20263.10%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
18 Month Certificate	3.057%	3.10%	18 Months
Min Balance $500 Details Balance: $500 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
9 Month Certificate	3.057%	3.10%	9 Months
Min Balance $10,000 Details Balance: $10,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 14, 20263.10%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
9 Month Certificate	3.057%	3.10%	9 Months
Min Balance $50,000 Details Balance: $50,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 14, 20263.10%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
9 Month Certificate	3.057%	3.10%	9 Months
Min Balance $100,000 Details Balance: $100,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 14, 20263.10%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
9 Month Certificate	3.008%	3.05%	9 Months
Min Balance $500 Details Balance: $500 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.95% → 3.05% ▲ 0.10 pts · high 3.05% / low 2.95% Oct 14, 20263.05%▲ from 2.95% Sep 14, 20262.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
6 Month Certificate	2.96%	3.00%	6 Months
Min Balance $10,000 Details Balance: $10,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 2.90% → 3.00% ▲ 0.10 pts · high 3.00% / low 2.90% Oct 14, 20263.00%▲ from 2.90% Sep 18, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
6 Month Certificate	2.96%	3.00%	6 Months
Min Balance $50,000 Details Balance: $50,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 2.90% → 3.00% ▲ 0.10 pts · high 3.00% / low 2.90% Oct 14, 20263.00%▲ from 2.90% Sep 18, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
6 Month Certificate	2.96%	3.00%	6 Months
Min Balance $100,000 Details Balance: $100,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 2.90% → 3.00% ▲ 0.10 pts · high 3.00% / low 2.90% Oct 14, 20263.00%▲ from 2.90% Sep 18, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
6 Month Certificate	2.911%	2.95%	6 Months
Min Balance $500 Details Balance: $500 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.85% → 2.95% ▲ 0.10 pts · high 2.95% / low 2.85% Oct 14, 20262.95%▲ from 2.85% Sep 14, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
3 Month Certificate	2.862%	2.90%	3 Months
Min Balance $500 Details Balance: $500 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 2.80% → 2.90% ▲ 0.10 pts · high 2.90% / low 2.80% Oct 14, 20262.90%▲ from 2.80% Sep 18, 20262.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
3 Month Certificate	2.862%	2.90%	3 Months
Min Balance $10,000 Details Balance: $10,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 2.80% → 2.90% ▲ 0.10 pts · high 2.90% / low 2.80% Oct 14, 20262.90%▲ from 2.80% Sep 18, 20262.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
3 Month Certificate	2.862%	2.90%	3 Months
Min Balance $50,000 Details Balance: $50,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 2.80% → 2.90% ▲ 0.10 pts · high 2.90% / low 2.80% Oct 14, 20262.90%▲ from 2.80% Sep 18, 20262.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
3 Month Certificate	2.862%	2.90%	3 Months
Min Balance $100,000 Details Balance: $100,000 Min. Balance; Rate Type: Fixed Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 2.80% → 2.90% ▲ 0.10 pts · high 2.90% / low 2.80% Oct 14, 20262.90%▲ from 2.80% Sep 18, 20262.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

First Us Community Credit Union Savings Rates

Product	Rate	APY
Smart Start Savings & IRA	3.928%	4.00%
Min Deposit $0 Min Balance $0 Details Balance: $0 - $2,000.00; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Savings & IRA	2.129%	2.15%
Min Deposit $2,000 Min Balance $500,000 Details Balance: $500,000+; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Savings & IRA	1.933%	1.95%
Min Deposit $2,000 Min Balance $250,000 Details Balance: $250,000 - 499,999.99; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.95% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Savings & IRA	1.687%	1.70%
Min Deposit $2,000 Min Balance $100,000 Details Balance: $100,000 - 249,999.99; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Savings & IRA	1.638%	1.65%
Min Deposit $2,000 Min Balance $25,000 Details Balance: $25,000 - 99,999.99; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Smart Start Savings & IRA	1.49%	1.50%
Min Deposit $0 Min Balance $2,000 Details Balance: $2,000.01 - $5,000.00; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Savings & IRA	0.648%	0.65%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $2,000 - 24,999.99; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Smart Start Savings & IRA	0.25%	0.25%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000.01 - $10,000.00; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Dream Savings	0.10%	0.10%
Min Deposit $1 Min Balance $5,000 Details Balance: $5,000 - 24,999; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Dream Savings	0.10%	0.10%
Min Deposit $1 Min Balance $25,000 Details Balance: $25,000 - 99,999; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Dream Savings	0.10%	0.10%
Min Deposit $1 Min Balance $100,000 Details Balance: $100,000+; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Health Savings Account (HSA)	0.10%	0.10%
Min Deposit $0 Min Balance $300 Details Balance: $300+; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
IRA Shares	0.10%	0.10%
Min Deposit $0 Min Balance $100 Details Balance: $100+; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Prime Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5,000 Details Balance: $5,000 - 24,999; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Prime Savings	0.10%	0.10%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000 - 99,999; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Prime Savings	0.10%	0.10%
Min Deposit $5 Min Balance $100,000 Details Balance: $100,000+; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Smart Start Savings & IRA	0.08%	0.08%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.01 - $50,000.00; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.08% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Smart Start Savings & IRA	0.08%	0.08%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000.01+; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.08% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Dream Savings	0.05%	0.05%
Min Deposit $1 Min Balance $100 Details Balance: $100 - 4,999; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Prime Savings	0.05%	0.05%
Min Deposit $5 Min Balance $100 Details Balance: $100 - 4,999; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Youth Savings	0.05%	0.05%
Min Deposit $5 Min Balance $100 Details Balance: $100+; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

First Us Community Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings & IRA	2.129%	2.15%
Min Deposit $2,000 Min Balance $500,000 Details Balance: $500,000+; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Savings & IRA	1.933%	1.95%
Min Deposit $2,000 Min Balance $250,000 Details Balance: $250,000 - 499,999.99; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.95% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Savings & IRA	1.687%	1.70%
Min Deposit $2,000 Min Balance $100,000 Details Balance: $100,000 - 249,999.99; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Savings & IRA	1.638%	1.65%
Min Deposit $2,000 Min Balance $25,000 Details Balance: $25,000 - 99,999.99; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Savings & IRA	0.648%	0.65%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $2,000 - 24,999.99; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

First Us Community Credit Union Checking Rates

Product	Rate	APY
Better Than Free Checking	0.995%	1.00%
Min Deposit $0 Min Balance $0 Details Qualifications Required; Balance: Up to $500 w/ direct deposit; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Dividend Checking	0.15%	0.15%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - 99,999.99; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Dividend Checking	0.15%	0.15%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 and over; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Dividend Checking	0.08%	0.08%
Min Deposit $100 Min Balance $20,000 Details Balance: $20,000 - 49,999.99; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.08% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Dividend Checking	0.05%	0.05%
Min Deposit $100 Min Balance $300 Details Balance: $300 - 19,999.99; Rate Type: Variable Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

First Us Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles Auto Loan	-	-	5.84%	36 months
Details As Low As; Autos, Pickups, Vans and SUVs 2025 - 2027 model years Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 5.84% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New Vehicles Auto Loan	-	-	5.84%	48 months
Details As Low As; Autos, Pickups, Vans and SUVs 2025 - 2027 model years Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 5.84% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New Vehicles Auto Loan	-	-	5.84%	60 months
Details As Low As; Autos, Pickups, Vans and SUVs 2025 - 2027 model years Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 5.84% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New Vehicles Auto Loan	-	-	6.04%	66 months
Details As Low As; Autos, Pickups, Vans and SUVs 2025 - 2027 model years Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.04% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New Vehicles Auto Loan	-	-	6.09%	72 months
Details As Low As; Autos, Pickups, Vans and SUVs 2025 - 2027 model years Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used Vehicles Auto Loan	-	-	6.09%	36 months
Details As Low As; Autos, Pickups, Vans, SUVs 2017 - 2024 model years Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used Vehicles Auto Loan	-	-	6.09%	48 months
Details As Low As; Autos, Pickups, Vans, SUVs 2017 - 2024 model years Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used Vehicles Auto Loan	-	-	6.19%	60 months
Details As Low As; Autos, Pickups, Vans, SUVs 2017 - 2024 model years Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used Vehicles Auto Loan	-	-	6.29%	66 months
Details As Low As; Autos, Pickups, Vans, SUVs 2017 - 2024 model years Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used Vehicles Auto Loan	-	-	6.34%	72 months
Details As Low As; Autos, Pickups, Vans, SUVs 2017 - 2024 model years Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New Vehicles Auto Loan	-	-	6.64%	84 months
Details As Low As; Autos, Pickups, Vans and SUVs 2025 - 2027 model years Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.64% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used Vehicles Auto Loan	-	-	7.09%	84 months
Details As Low As; Autos, Pickups, Vans, SUVs 2017 - 2024 model years Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
First Time Auto Buyer - New	-	-	10.34%
Details As Low As; 2016 or newer, 100,000 or fewer miles; $500 down required; up to 90% MSRP Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
First Time Auto Buyer - Used	-	-	10.59%
Details As Low As; 2016 or newer, 100,000 or fewer miles; $500 down required; up to 90% retail Kelly Blue Book Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

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

Product	Rate	APR	Term
New Motorcycle Loan	-	7.24%	Up to 84 months
Details As Low As; Including ATVs, UTVs, Snowmobiles & Jet Skis; new loans less than one model year old; finance up to 110% of MSRP or Average Retail JD Power Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New Recreational Vehicle Loan	-	7.74%	Up to 60 months
Details Boats, Trailers, Campers, Motor Coaches; 2025 - 2027 model years; finance up to 110% of MSRP Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New Recreational Vehicle Loan	-	7.74%	72 months
Details Boats, Trailers, Campers, Motor Coaches; 2025 - 2027 model years; finance up to 110% of MSRP Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New Recreational Vehicle Loan	-	7.74%	84 months
Details Boats, Trailers, Campers, Motor Coaches; 2025 - 2027 model years; finance up to 110% of MSRP Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used Recreational Vehicle Loan	-	7.99%	Up to 60 months
Details Boats, Trailers, Campers, Motor Coaches; 2024 models or older; finance up to 110% of Average Retail JD Power value Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used Recreational Vehicle Loan	-	7.99%	72 months
Details Boats, Trailers, Campers, Motor Coaches; 2024 models or older; finance up to 110% of Average Retail JD Power value Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used Recreational Vehicle Loan	-	7.99%	84 months
Details Boats, Trailers, Campers, Motor Coaches; 2024 models or older; finance up to 110% of Average Retail JD Power value Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New Recreational Vehicle Loan	-	8.24%	120 months
Details Boats, Trailers, Campers, Motor Coaches; 2025 - 2027 model years; finance up to 110% of MSRP Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used Motorcycle Loan	-	8.24%	Up to 84 months
Details As Low As; Including ATVs, UTVs, Snowmobiles & Jet Skis; finance up to 110% of Average Retail JD Power Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used Recreational Vehicle Loan	-	8.49%	120 months
Details Boats, Trailers, Campers, Motor Coaches; 2024 models or older; finance up to 110% of Average Retail JD Power value Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New Recreational Vehicle Loan	-	8.74%	180 months
Details Boats, Trailers, Campers, Motor Coaches; 2025 - 2027 model years; finance up to 110% of MSRP Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used Recreational Vehicle Loan	-	8.99%	180 months
Details Boats, Trailers, Campers, Motor Coaches; 2024 models or older; finance up to 110% of Average Retail JD Power value Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New Recreational Vehicle Loan	-	9.74%	240 months
Details Boats, Trailers, Campers, Motor Coaches; 2025 - 2027 model years; finance up to 110% of MSRP Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 9.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used Recreational Vehicle Loan	-	9.99%	240 months
Details Boats, Trailers, Campers, Motor Coaches; 2024 models or older; finance up to 110% of Average Retail JD Power value Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

First Us Community Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	9.49%	Up to 12 months
Details As Low As; Minimum loan amount: $3,000 for terms longer than 36 months; Maximum loan amount: $25,000; Borrow up to 20% of gross annual income; Actual rate may vary based on credit score and loan term; Apply Online Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 9.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Personal Loans	9.99%	Up to 24 months
Details As Low As; Minimum loan amount: $3,000 for terms longer than 36 months; Maximum loan amount: $25,000; Borrow up to 20% of gross annual income; Actual rate may vary based on credit score and loan term; Apply Online Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Personal Loans	10.49%	Up to 36 months
Details As Low As; Minimum loan amount: $3,000 for terms longer than 36 months; Maximum loan amount: $25,000; Borrow up to 20% of gross annual income; Actual rate may vary based on credit score and loan term; Apply Online Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 10.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Personal Loans	10.99%	Up to 48 months
Details As Low As; Minimum loan amount: $3,000 for terms longer than 36 months; Maximum loan amount: $25,000; Borrow up to 20% of gross annual income; Actual rate may vary based on credit score and loan term; Apply Online Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Personal Loans	11.49%	Up to 60 months
Details As Low As; Minimum loan amount: $3,000 for terms longer than 36 months; Maximum loan amount: $25,000; Borrow up to 20% of gross annual income; Actual rate may vary based on credit score and loan term; Apply Online Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 11.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Personal Lines of Credit Loan	13.25%
Details As Low As; Maximum loan amount: $25,000; Minimum payment: 2% or $25, whichever is greater; Apply Online Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 13.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First Us Community Credit Union’s Texas Ratio rose from 1.15% in Q3 2023 to 4.67% 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

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
June 30, 2026	$548M	4.67%	5.0	A+
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+

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 5

ATM Locations 5

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

4.67%

Return on Assets (ROA)

0.1609%

Return on Equity (ROE)

1.3470%

Non-Performing Loans Ratio (NPL)

0.92%

Total Assets

547,915,290

Total Amount of Shares and Deposits

481,849,651

Total Shares and Deposits < 1 Year

468,864,685

Total Shares and Deposits 1 3 Years

8,575,171

Total Shares and Deposits > 3 Years

4,409,795

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

54,985,135

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

54,985,135

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

426,864,516

Total Interest Expense (Sum of items 6 8)

3,474,502

Share Certificates

2,989

Number of Accounts for Share Drafts

16,737

IRA KEOGH Accounts

1,174

Number of Accounts for Regular Shares

35,203

All other shares

Money Market Shares

1,318

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)

37,970,190

Total Liabilities

487,016,092

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Us Community Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for First Us Community Credit Union

Frequently Asked Questions About First Us Community Credit Union

Does First Us Community Credit Union offer CDs?

Yes. First Us Community Credit Union current CD rates include its 60 Month CD at 3.60% APY, its 48 Month CD at 3.50% APY and its 36 Month CD at 3.40% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from First Us Community Credit Union NCUA insured?

Yes. First Us Community 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 First Us Community Credit Union?

The highest First Us Community Credit Union CD rate is its 3, 6, 9 or 12 Month Special CD at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does First Us Community Credit Union offer?

First Us Community Credit Union CD rates are 3.20% APY for a 12 month CD, 3.10% APY for an 18 month CD, 3.30% APY for a 2 year CD, 3.40% APY for a 3 year CD, 3.50% APY for a 4 year CD and 3.60% APY for a 5 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 First Us Community Credit Union for its full lineup.

What is the highest savings rate at First Us Community Credit Union?

The highest First Us Community Credit Union savings rate is its Smart Start Savings & IRA at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at First Us Community Credit Union?

The highest First Us Community Credit Union money market rate is its Money Market Savings & IRA at 2.15% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at First Us Community Credit Union?

The highest First Us Community Credit Union checking rate is its Better Than Free Checking at 1.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at First Us Community Credit Union?

The lowest First Us Community Credit Union auto loan rate is its New Vehicles Auto Loan at 5.84% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at First Us Community Credit Union?

The lowest First Us Community Credit Union personal loan rate is its Personal Loans at 9.49% APR, verified by MonitorBankRates as of October 30, 2026.

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.

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 First Us Community Credit Union rates compare?

First Us Community Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A+ health rating. First Us Community Credit Union's top rates are its 3, 6, 9 or 12 Month Special CD at 4.00% APY, its Smart Start Savings & IRA at 4.00% APY, its Better Than Free Checking at 1.00% APY and its Personal Loans at 9.49% APR, verified by MonitorBankRates on October 30, 2026.

Current First Us Community Credit Union Rates

12-Month CD3.10%
18-Month CD3.10%
24-Month CD3.15%
60-Month CD3.50%
Savings4.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

First Us Community Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Us Community Credit Union Texas Ratio

First Us Community Credit Union Health Trend

First Us Community Credit Union CD Rates

First Us Community Credit Union Savings Rates

First Us Community Credit Union Money Market Rates

First Us Community Credit Union Checking Rates

First Us Community Credit Union Auto Loan Rates

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

First Us Community Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First Us Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Us Community Credit Union

Does First Us Community Credit Union offer CDs?

Are CDs from First Us Community Credit Union NCUA insured?

What is the highest CD rate at First Us Community Credit Union?

What CD terms does First Us Community Credit Union offer?

What is the highest savings rate at First Us Community Credit Union?

What is the highest money market rate at First Us Community Credit Union?

What is the highest checking rate at First Us Community Credit Union?

What is the lowest auto loan rate at First Us Community Credit Union?

What is the lowest personal loan rate at First Us Community Credit Union?

How many branches does First Us Community Credit Union operate?

Is a member application needed to join First Us Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First Us Community Credit Union rates compare?

Current First Us Community Credit Union Rates

Compare to Other Credit Unions