Sacramento

P.O. Box 2351, Sacramento, CA 95812

NCUA Insured3.9 (27 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1935

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 1935

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

P.O. Box 2351

Sacramento, CA 95812

Google Maps 🗺Waze

(888) 722-8601

Service Area

This credit union is located in Sacramento and serves members in the CA area. Currently serving 30,610 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

4.99%

Used Auto Loan

5.19%

Personal Loan

8.99%

Credit Card APR

11.50%

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(8 total)

Member Reviews

3.9

27 Google reviews

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

View on Google Maps

Angie GALBRAITH

5 months ago

I was trying to find the survey review for Vanessa I got menopause brain but I'm pretty sure that was her name but let me tell you something from the moment I walked in that bank I felt appreciated. The first Bank we walked in I swear on everything I love I think they thought we were there to rob the bank and yet we still tried to open a bank account and we chose not to and went to Sacramento credit Union she educated us on so many different things about the bank account about buying a house and just all type of everything she literally went above and beyond for us I absolutely love the way that we were treated in this Bank and I'm honored to be a member

Alex Fong

10 months ago

WARNING: HIGH-RISK BANK. I was advised to leave this review for my former loser bank. Investors beware! Bad banking practices here I was a customer here for 3 years and lost money while having a checking and savings AND A LOAN account as a "member" they (someone named Evelyn and “her manager”) will not honor the agreement and they will charge you EXTRA AND EXCESSIVE FEES. Do yourself a favor and go to a main street bank that's more modern and has better technology (xfer, mobile and dd, etc). Stay AWAY from Sacramento Credit Union you will THANK ME. - ALEX FONG, VERIFIED ACCOUNT HOLDER.

Diane Bryant

a year ago

I have been with Sacramento Credit Union for about 10 years now. Last week is the first time I got a HELOC loan from them. I initiated the loan online and finished it up at their Roseville store off Foothills Blvd. Kristina Vavra Financial Service Specialist III helped me through the whole process. WOW, over the top helpful and she really pushed it through. I feel very confident in the branch, sorry to see others didn't have the same helpful experience.

Peter Ochinero

a year ago

Pleasant efficent, knowledgeable. I have been a member since 1983, have only had One bad experience. There is never long lines, and I enjoy being a member. Please keep the branch in Elk Grove it is convenient for myself and family!,,,

REQUIET LOVE

9 months ago

I grant FIVE stars only as a Courtesy and to give Notice of profiling and discrimination by the Asian manager, who was condescending, passively rude and dismissive.