First U.S. Community

580 University Ave, Sacramento, CA 95825

NCUA Insured4.0 (21 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1936

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Sacramento, CA may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1936

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

580 University Ave

Sacramento, CA 95825

Google Maps 🗺Waze

(916) 576-5700

Service Area

This credit union is located in Sacramento and serves members in the CA area. Currently serving 27,818 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.19%

Used Auto Loan

5.99%

Personal Loan

10.24%

Credit Card APR

14.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Sag-Aftra— New Auto Loan

Burbank, CA

1.99%

Sunkist Employees— Used Auto Loan

Valencia, CA

2.40%

North Bay— Personal Loan

Santa Rosa, CA

2.33%

Glendale Area Schools— Credit Card APR

Glendale, CA

6.46%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(6 total)

Member Reviews

4.0

21 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Mann

11 months ago

First U.S. Community Credit Union definitely stands out — this branch has a unique, almost vintage charm that you rarely see in modern banking. The building is spacious, and there's a certain old-school vibe that I personally enjoy. It’s like stepping back in time in the best way. That said, the experience hasn’t quite been the same since the previous manager retired. They were a real gem — warm, attentive, and made you feel like a valued member every time. Since then, the staff has felt a little... meh. Not rude, just not particularly engaged. Also, there always seem to be only two tellers working, no matter when I visit. It can get slow, especially during busy times. If you appreciate a credit union with a unique atmosphere, it’s still worth checking out — but I hope they bring back the energy and member-focused care they used to be known for.

Jazzy Jorgensen

6 months ago

Bob Miller and his staff are above the grade for customer satisfaction. Signed Ted Jorgensen President of Teddy Victor Inc.

Audio Nut

10 months ago

Staff is friendly rarely anyone ever in there I love credit unions especially when they have co-op features once I come here and the atm was down but luckily since they are co-op only had to drive around the corner to safe credit union to add funds

Rob English

a year ago

Horrible service. Stood in line for 15 minutes wasn’t acknowledged at all by the tellers and I was the only customer in line!! Can’t wait to pay my loan off and get out of here. Always dead inside and still ssllloooowwwww. Supervisor just staring not even a “Hi or Hello” drove 30 min to get here and didn’t even get service so I walked out not even a good bye or sorry from the staff.

Russ s

3 years ago

I will never bank with this bank again. They overdrafted my checking account at another bank because they did not stop my auto payments. After closing a loan with him. They refused to make it right. When I asked for a manager, They hung up on me after putting me on hold. I will tell everyone I can never to bank here.