First U.S. – Official Site of Better Than FREE Checking

First U.S. offices and branches will be closed on Wednesday, November 11th, in observance of Veterans Day.

Local Roots. Expanded Possibilities.

First U.S. and Sierra Central Credit Union announce a plan to join forces to create an even stronger credit union.

Savor summer with the Platinum Preferred Visa® Credit Card

Pay no interest until 2027

Looking to buy a home?
We’ll cover the closing costs
up to $12,000

No-Fee Home Loan

Member owned and operated since 1936

Rates as of 11/04/2026
Home Equity Line	4.75% intro rate for 6 months (new HELOCs), then Prime + 0
View real estate loan rates

Rates as of 11/04/2026

APRs as low as 5.09%

90 day no-payment option

Finance up to 125% (new)
or 125% High KBB (used)

Rates as of 11/04/2026
Better Than FREE Checking	1.00% APY
Smart Start Savings	up to 4.00% APY
Certificate Special	4.00% APY
View all available savings rates