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About First U.S.

Since 1936, First U.S. has been serving members with affordable loans, generous savings programs and friendly, personal service. Our success can be attributed to the commitment to our philosophy of “People Helping People” and our mission “To provide value, service and financial solutions to our members.”

Anyone who lives, works, or worships in Sacramento, Amador, Yuba, Yolo, El Dorado, Sutter, San Joaquin, Nevada, Placer, Solano, Sierra, and Contra Costa counties is welcome at First U.S. Also, Federal employees throughout the State of California, select employee groups, and SAFEWAY employees in Northern California and Northern Nevada are welcome to join.


Lifetime Membership - Convenient from Anywhere

When you join First U.S. Community Credit Union, you gain access to a valuable lifetime benefit for you and your entire family. You can move, retire or get married - you never have to leave First U.S.


What's the Credit Union Difference?

  • Credit unions are cooperative, not-for-profit financial institutions owned by and operated exclusively for their members who share a common bond.
  • Credit unions provide a consumer-friendly alternative to other financial service providers that focus on maximizing profits for the benefit of stockholders.
  • Surplus funds are returned to members in the form of higher share dividends, reduced loan rates and improved services.
  • Members are the owners, not just customers.

Board of Directors

Elected by the membership, the Board of Directors are members who serve without pay to set the policy and determine the management of the Credit Union. Biographies


Supervisory Committee

Elected by the membership, the Supervisory Committee ensures the Credit Union is well managed, financially sound and in compliance with generally accepted accounting principles.

You may write to the Supervisory Committee at First U.S. Community Credit Union, 580 University Ave., Sacramento, CA 95825. 


2016 Message to the Membership

 
Financial Report 2015  

We’re pleased to report that 2015 was an excellent year for First U.S. and our membership. We saw tremendous growth as a combination of normal operations and our partnership with Big Valley Federal Credit Union. Together, we now serve thousands of new members and manage millions of dollars of new loans and deposits. At year end, we had almost 25,000 members, $335M in assets and seven full-service branches throughout the Sacramento and foothills area. While our economy remains uncertain, we are in a strong financial position. We remain highly capitalized, safe and secure. Even in this low-rate environment, we strive to offer the best value possible with competitive savings and loan rates. Our goal is to be your first choice in financial services, and we are dedicated to providing you with excellence in service.

In 2015, in addition to welcoming former Big Valley members and adding a new branch and ATM to serve you in Gold River, we rolled out a new and improved Home Banking platform and started issuing EMV Chip Cards to make credit and debit cards even more secure, similar to the successful anti-fraud cards in Europe. We continue with low-cost checking options, passbook, money market and certificates at competitive rates for our savers with fully insured options to keep your principal safe.

We’ve been able to offer low loan rates and fees to help members buy new vehicles and purchase their dream homes. We try to find the best fit for each member with a comprehensive array of innovative home, consumer and business loan programs. We provide solutions to members to improve their financial wellbeing by refinancing mortgages to lower rates, make their payments more affordable, and to pay off debt sooner. In 2015, many members were able to use their rebounding home equity to accomplish important goals, consolidate higher-priced debts and lower overall expenses. During one of the best years for car sales, we helped hundreds of members affordably buy a new car at some of the lowest rates in history. We also funded numerous member business ventures with SBA Loans.

In 2016, as we celebrate 80 years of service to our member-owners, and as rates begin to rise we will offer affordable and creative fixed and variable rate products, capitalizing on growing home equity. We also anticipate numerous technology initiatives that will allow us to build member value by expanding our services, improving efficiency and increasing cybersecurity. We have some new value-added insurance products to protect your assets and have partnered with Lighthouse Strategic Services to help guide your financial planning, access alternative investments and provide special member discounted pricing to set up Living Trusts.

You are the owners and we put you first. We know you have many options and we truly value your business, As always, we appreciate and welcome your referrals - family, friends and co-workers - our biggest source of satisfied new members. We thank you, our members, for the trust you place in us.

 

 

 
2013 First U.S. Community Credit Union
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