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Branch Hours Update
Beginning June 1, 2023, Thursday branch hours will be 9:00am to 5:00pm.

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The choice is yours... and so are the savings! Check out our three low fixed rate options for debt consolidation.
Low fixed rate home loans. Rates as low as 6.218% APR†
You Can Still Get a Low Fixed Rate. Buy or Refi Now and Save. 30-Year Fixed Rate, Low Fee Mortgages.
It's a Good Time to Get a Great Rate! Auto rates as low as 3.99% APR1
1st Line. Affordable funds for... actually, it's totally up to you!
Fixed. Fast. Fabulous. 7-Year Mortgage. Rates as low as 4.293% APR2
Our Home Equity Loans Can Help You Do It All. Low Rates. Quick. Local.

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 3.99% APR is $29.52 per $1,000 borrowed. 48 month term at 5.25% APR is $23.15 per $1,000 borrowed. 66 month term at 5.35% APR is $17.53 per $1,000.00 borrowed. 72 month term at 5.45% APR is $16.23 per $1,000.00 borrowed. 84 month term at 5.75% APR is $14.50 per $1,000.00 borrowed.

2: 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 7 year, $350,000 conforming mortgage and a fixed rate of 4.000% (4.293% APR), approximate payment amount is $4,784.09. The monthly payment includes principal and interest, as 1st Nor Cal CU does not offer impound accounts. NMLS # 580488

†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 6.125% (6.218% APR), approximate payment amount is $2,126.64. The monthly payment includes principal and interest, as 1st Nor Cal CU does not offer impound accounts. NMLS # 580488