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 First Us Community Credit Union Rates & Review April 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.
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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: April 2, 2026
First Us Community Credit Union's 60 Month CD rates are at 3.60%, 60 Month Share & IRA CD rates are at 3.60%, 60 Month CD rates are at 3.55%, 60 Month Share & IRA CD rates are at 3.55%, 48 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 Personal Loan Rates are at 9.49%. 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 1.60%. Rates were last updated on 04/02/2026. 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. First Us Community Credit Union
First US Community CU 580 University Ave
https://www.firstus.org Sacramento, CA 95825 
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 Credit Card Rates
First Us Community Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
68
Part-Time Employees
2
Branch Locations
6
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.60%
Return on Assets (ROA)
0.4578%
Return on Equity (ROE)
3.8418%
Non-Performing Loans Ratio (NPL)
0.30%
Total Assets
544,599,182
Total Amount of Shares and Deposits
480,420,106
Total Shares and Deposits < 1 Year
465,557,323
Total Shares and Deposits 1 3 Years
11,747,235
Total Shares and Deposits > 3 Years
3,115,547
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
54,305,538
Total Uninsured Shares and Deposits > $250K (F+J)
54,305,538
Total Insured Shares and Deposits > $250K (item 17 less item K)
426,114,568
Total Interest Expense (Sum of items 6 8)
5,272,270
Share Certificates
3,138
Number of Accounts for Share Drafts
16,721
IRA KEOGH Accounts
1,241
Number of Accounts for Regular Shares
35,392
All other shares
64
Money Market Shares
1,289
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
48,737,107
Total Liabilities
484,461,527
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About First Us Community Credit UnionIs First Us Community Credit Union a safe place to deposit money?Yes, First Us Community Credit Union is considered a safe financial institution. With a Texas Ratio of 1.6005376295708%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current First Us Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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