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Locations & Hours

Account Rates

Account Rates as of March 2, 2024.

Share Savings Accounts

Minimum Daily BalanceAPY*
$100.00 - 9,999.990.05%
$10,000.00+0.10%

Checking Accounts

Minimum Daily BalanceAPY*
$10,000.00+0.05%

Club Accounts1

Minimum Daily BalanceAPY*
$100.00+0.10%

Money Market Accounts

Minimum Daily BalanceAPY*
$10,000.00 - 24,999.990.40%
$25,000.00 - 74,999.990.50%
$75,000.00+0.65%

1st Class Money Market Accounts

Minimum Daily BalanceAPY*
$0.00 - 2,500.005.50%
$2,501.00+0.50%

Individual Retirement Accounts

Minimum Daily BalanceAPY*
Up to $99,999.990.35%
$100,000.00+0.60%

Share Certificates1


$1,000 Minimum

Minimum Daily BalanceTermAPY*
$1,000.006 - 11 months2.12%
$1,000.0012 months2.63%
$1,000.0018 months2.63%
$1,000.0024 months2.79%

$5,000 Minimum

Minimum Daily BalanceTermAPY*
$5,000.006 - 11 months2.17%
$5,000.0012 months2.69%
$5,000.0018 months2.69%
$5,000.0024 months2.84%

$10,000 Minimum

Minimum Daily BalanceTermAPY*
$10,000.006 - 11 months2.17%
$10,000.0012 months2.74%
$10,000.0018 months2.74%
$10,000.0024 months2.89%

$50,000 Minimum

Minimum Daily BalanceTermAPY*
$50,000.006 - 11 months2.23%
$50,000.0012 months2.79%
$50,000.0018 months2.79%
$50,000.0024 months2.99%

$100,000 Minimum

Minimum Daily BalanceTermAPY*
$100,000.006 - 11 months2.23%
$100,000.0012 months2.89%
$100,000.0018 months2.89%
$100,000.0024 months3.25%


*APY = Annual Percentage Yield. Rates are subject to change. Fees could reduce the earnings on the account.

‡APY = Annual Percentage Yield. APY is accurate as of Dec.15, 2023. Rates are subject to change at any time without notice. Refer to website, 1stnorcalcu.org, for current rates paid on balances up to $2,500.00 and rates paid on balances over $2,500.00. 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.

1There is a penalty for early withdrawal on Club Accounts and Share Certificates.