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If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 1-888-387-8632 for assistance.
24-Hour Member Service: (888) 387-8632
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Your Funds are Safe, Secure and Federally Insured
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Be Smart When Using P2P Payment Services
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Warning
We have received reports that some members may have received telephone calls claiming to be from the 1st Nor Cal fraud department. If you receive a suspicious call, do not provide any personal identification information, instead hang up and call the credit union yourself at (888) 387-8632 to inquire about the call or if you have questions or concerns.

Preventing Identity Theft
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How to Spot, Avoid and Report Tech Support Scams
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Choose your savings! Four low rate options for debt consolidation. Rates as low as 7.304% APR3.
Better rates. Better rides. Auto loan rates as low as 4.75% APR1
The key to your dream home. 30 year low fixed rate mortgage. Rates as low as 5.612% APR†
Annual Meeting and Election Notice of Vacancies - Click to Read
Our Home Equity Loans Can Help You Do It All. Low rates. Quick. Local.
Your Savings, Upgraded. 1st Class Money Market. 5.39% APY‡. No min deposit. No min balance.

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 4.75% APR is $29.86 per $1,000 borrowed. 48 month term at 4.75% APR is $22.92 per $1,000 borrowed. 66 month term at 5.30% APR is $17.51 per $1,000.00 borrowed. 72 month term at 5.40% APR is $16.30 per $1,000.00 borrowed. 84 month term at 5.75% APR is $14.49 per $1,000.00 borrowed.

3: Home Equity Loans: 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. Loans available up to 70% of home’s current equity. Payment example: For a 10 year, $200,000 home equity loan with a fixed rate of 7.00% (7.304% APR), approximate payment amount is $2,322.17. 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 5.500% (5.612% APR), approximate payment amount is $1,987.26. The monthly payment includes principal and interest, as 1st Nor Cal CU does not offer impound accounts. NMLS # 580488

‡APY = Annual Percentage Yield. APY is accurate as of January 13, 2026. Rates are subject to change at any time without notice. Refer to website, 1stnorcalcu.org, for current rates paid on balances up to $24,999.99 and rates paid on balances over $24,999.99. Fees could reduce the earnings on the account. No monthly fees. No minimum deposit required. No minimum balance required. Limit one (1) 1st Class Money Market Account per SSN or Tax ID. 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.