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Celebrating 75 Years of Dedicated Service - 1st Nor Cal Credit Union 1949-2024

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Upgrade our savings with our 1st Class Money Market. 5.64% APY‡ on balances up to $5,000. No minimum deposit. No minimum balance.
Spring is in the air. Low rates too! Auto loan rates as low as 5.50% APR1.
Still low, still fixed, still fabulous! 30-year fixed rate, low fee mortgages. Rates as low as 6.343% APR†. Buy or refi now and save!
Annual Meeting April 25, 2024, 4:30pm. Official Election Notice. Click for details.
Your 1st Nor Cal Mastercard® could help you get away.*
The choice is yours... and so are the savings! Four low fixed rate options for debt consolidation.

*No Purchase Necessary. Void where prohibited. Existing Mastercard cardholders who are legal residents of the 50 U.S. or DC, and legal age of majority before 3/1/24. PIN-based debit, international, corporate, and transactions processed on a non-Mastercard operated network are ineligible. Ends 6/30/24. For Official Rules and complete details, click here. Mastercard, Priceless, and the circles design are trademarks of Mastercard International Incorporated. ©2024 Mastercard. All rights reserved.

‡APY = Annual Percentage Yield. APY is accurate as of April 12, 2024. Rates are subject to change at any time without notice. Refer to website, 1stnorcalcu.org, for current rates paid on balances up to $5,000.00 and rates paid on balances over $5,000.00. Fees could reduce the earnings on the account. No monthly fees. No minimum deposit required. No minimum balance required. Limit one 1st Class Money Market Account per member social security number. Business accounts are not eligible. We reserve the right to change or discontinue this program at any time. Membership is required with a one-time $5 minimum deposit. Must meet membership qualifications. Persons who live, regularly work, currently attend school, or currently worship in Contra Costa, Solano, or Alameda counties, as well as any and all businesses, corporations, and other legal entities in those counties are eligible for membership. Insured by NCUA.

1: Annual Percentage Rates (APR) are subject to change. Rate, maximum term, maximum loan amount and advance amount are based on credit qualifications. Maximum terms vary based on loan amount. We reserve the right to determine collateral value based on industry recognized guidelines or full appraisal. Must be 18 years old or older to apply for a loan. Loans are subject to all Credit Union policies and procedures. Auto loan “as low as” rates require a minimum FICO® 780 Credit Score. 36 month term at 5.50% APR is $30.20 per $1,000 borrowed. 48 month term at 6.25% APR is $23.61 per $1,000 borrowed. 66 month term at 6.35% APR is $18.00 per $1,000.00 borrowed. 72 month term at 6.45% APR is $16.79 per $1,000.00 borrowed. 84 month term at 6.50% APR is $14.86 per $1,000.00 borrowed.

†APR = Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges. Your actual payments are based on the interest rate, not the APR. The interest rates and Annual Percentage Rates (APRs) shown are subject to change without notice. All mortgage loans through 1st Nor Cal Credit Union are for primary residence homes in California only. Adequate property insurance required for the life of the loan. Flood insurance may be required. All loans subject to credit approval. Other restrictions may apply. Payment example: For a 30 year, $350,000 conforming mortgage and a fixed rate of 6.250% (6.343% APR), approximate payment amount is $2,155.02. The monthly payment includes principal and interest, as 1st Nor Cal CU does not offer impound accounts. NMLS # 580488