First U.S. Community Grass Valley CA Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to First U.S. Community, your trusted partner in financial growth and stability, located at 2100 Nevada City Hwy, Grass Valley, CA 95945. Since our establishment in 1936, we have been dedicated to serving our members with integrity and care, building a community of over 28,463 satisfied members. As a member-focused credit union, we pride ourselves on offering personalized banking solutions tailored to your unique needs. At First U.S. Community, we manage total assets exceeding $544 million, allowing us to provide a wide range of services including personal banking accounts, auto loans, mortgage financing, and business banking solutions. Our commitment to you is reflected in our strong financial foundation, highlighted by a net worth of $62,895,992 and total deposits of $29,798,654. Our leadership team, led by CEO Shonna Shearson and Board President Dennis Cook, works tirelessly to ensure that your financial well-being remains our top priority. We understand the importance of trust and reliability when it comes to your finances. That's why we offer services like online banking and mobile payments for your convenience. While you can visit us at our branch for all your banking needs, please remember that official correspondence should be sent to the same address: 2100 Nevada City Hwy, Grass Valley, CA 95945. If you're looking for a supportive credit union that prioritizes its members' interests and community impact, look no further than First U.S. Community. We invite you to reach out at 530-272-5858 or explore our website at firstus.org for more information about how we can help you achieve your financial goals. Join us today and experience the difference of being part of a community-oriented credit union!

Branch History & Mission

Welcome to the heart of Grass Valley, where the First U.S. Community has been a steadfast pillar of support since it opened its doors in 1936. Located at 2100 Nevada City Hwy, Grass Valley, CA 95945, our branch has grown alongside this vibrant community, fostering connections and providing essential financial services to our members. Over the years, First U.S. Community has experienced remarkable growth. Today, we proudly serve 28,463 members with a total asset base of $544,161,250. Our journey is marked by milestones that reflect our commitment to enhancing the financial well-being of individuals and families in Grass Valley and beyond. As we evolved from a small credit union into a trusted financial partner, we have remained focused on delivering personalized service and innovative solutions. At the core of our mission is a dedication to our members and their communities. We strive to empower every member with access to a range of financial products tailored to their unique needs be it personal banking solutions like checking and savings accounts or loans for vehicles and homes. Our focus extends beyond transactions; we aim to foster financial literacy and provide resources that help our members thrive. While you can visit us at our branch location for all your banking needs, official correspondence should be sent to the same address: 2100 Nevada City Hwy, Grass Valley, CA 95945. We understand the importance of convenience in today's fast-paced world. That's why we offer modern digital services such as online banking, mobile payments, and e-statements all designed with you in mind. Additionally, we are proud to have an ATM available for quick cash access and shared service center options for even greater flexibility. Our commitment doesn't stop there; we actively engage with local organizations and initiatives that uplift our community. By partnering with schools and nonprofits, we work towards creating lasting impacts that resonate throughout Grass Valley. As we look toward the future, we invite you to join our family at First U.S. Community. Experience firsthand how we can help you achieve your financial goals while being part of a caring community-focused organization. Call us today at 530-272-5858 or visit us during our operating hours Monday through Thursday from 9 am to 5:30 pm, Friday from 9 am to 6 pm, and Saturday from 9 am to 2 pm to learn more about becoming a member. Together, let's build a brighter financial future!

Branch Location & Accessibility

A Range of Services Just for You

At First U.S. Community, we offer a variety of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Plus, if you're a member of another credit union, you can take advantage of our shared service center for basic transactions making banking even more convenient! While members can visit us at 2100 Nevada City Hwy, official correspondence should be sent to the same address as well. If you have any questions or need assistance, don't hesitate to call us at 530-272-5858. We invite you to stop by our Grass Valley Branch today and discover how we can help you achieve your financial goals!

Convenient Access and Parking

Our branch features convenient parking options, making it easy for you to pop in for your banking needs. We are committed to accessibility; our facility is ADA-compliant, ensuring that everyone can comfortably access our services. While you're here, feel free to utilize our ATM for quick cash withdrawals or balance checks.

Friendly Operating Hours

We understand that life can get busy, so we strive to accommodate your schedule. Our lobby hours are Monday through Thursday from 9 AM to 5:30 PM, and on Fridays from 9 AM to 6 PM. For those who prefer weekend visits, we're open Saturday from 9 AM to 2 PM. Our friendly staff is always ready to assist you during these hours.

Member Eligibility

Joining the community at First U.s. Community is like stepping into a welcoming space where your financial well-being is the top priority. To become a member, you'll need to meet some simple eligibility criteria. If you live, work, worship, or attend school in the area served by our credit union, you're likely eligible! We also welcome family members of existing members. This inclusive approach means that many people can take advantage of our personalized services and community-focused benefits. You can discover all the details about eligibility by visiting this page, which has up-to-date information. Once you find out you're eligible, opening an account is straightforward and stress-free! Just stop by our branch located at 2100 Nevada City Hwy Grass Valley Ca 95945 or give us a call at (530) 272-5858 to learn more about how to get started. We're here to help you every step of the way as you join our vibrant community of members who enjoy everything from competitive loan rates to convenient online banking services.

Business Banking & Commercial Services

Merchant Services That Make Life Easier

In addition to loans, we provide comprehensive merchant services that simplify payment processing for your business. Picture this: you're running a busy shop, and a customer wants to pay with their card. With our reliable merchant services, transactions are quick and hassle-free, letting you focus on what matters most growing your business. Located at 2100 Nevada City Hwy Grass Valley Ca 95945 in Grass Valley, CA, we're here to support local businesses like yours. Contact us at (530) 272-5858 or visit us online at First U.S. Community to learn more about how we can assist you on your path to success!

Our Commitment to Supporting Businesses

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $56 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $24,148,972, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing options can help you get behind the wheel without breaking the bank. We understand how important reliable transportation is for daily life, whether it's commuting to work or taking the kids to school. Our team is here to guide you through the loan process and find terms that suit your budget.

Business Banking

If you're a business owner, our business banking services are designed with you in mind. From merchant services that streamline transactions to business loans that support growth initiatives, we provide resources that can help your business thrive. Imagine focusing more on what you love about running your business while we take care of the banking side.

Convenient Access

At Grass Valley Branch, we understand the importance of accessibility and convenience in today's fast-paced world. That's why we provide ATM and cash withdrawal services along with shared branch transactions for partner credit union members. You can easily make deposits and withdrawals when visiting other participating locations. Our friendly staff is always available by phone at (530) 272-5858 during our operating hours: Monday through Thursday from 9 am - 5:30 pm, Friday from 9 am - 6 pm, and Saturday from 9 am - 2 pm. Whether you're exploring options or ready to sign up for an account, we're here for you every step of the way. Visit us at 2100 Nevada City Hwy Grass Valley Ca 95945 in Grass Valley, CA, or check out our website at https://firstus.org/ for more information about our services today!

Credit Cards with Rewards

Additionally, our credit cards come with rewards that can enhance your spending experience. Whether it's cashback on groceries or travel rewards for your next vacation, using our credit card means earning benefits while managing expenses responsibly.

Mortgage Loans & Refinancing

For those considering homeownership or looking to refinance their current mortgage, we offer competitive mortgage loans tailored to fit various financial situations. Picture settling into your dream home with a mortgage that makes sense for you our specialists are ready to assist you through every step of the way.

Personal Banking

Our personal banking services include checking and savings accounts tailored to help you reach your financial goals. Imagine having a checking account that offers easy access to your funds while also helping you save with competitive interest rates on savings accounts. With our online and mobile banking features, you can manage your accounts anytime, anywhere. You'll appreciate the convenience of mobile payments and person-to-person transfers, making it simple to send money to friends or family when they need it.

Digital & Online Banking

Key Services for Your Convenience

With our 24/7 online banking services, you can access your accounts whenever it suits you. Need to check your balance? Transfer funds? Or pay bills? It's all available right at your fingertips. Our user-friendly interface makes navigation simple, so you can spend less time managing your money and more time enjoying life. In addition to traditional banking tasks, we provide electronic signature authorization for added convenience when you're handling important documents. Plus, with e-statements readily available, you can say goodbye to paper clutter and keep track of your finances digitally.

Stay Connected with Mobile Banking

Take your banking experience further with our mobile application, which is designed for ease of use on any device. You can make mobile payments effortlessly and even send money directly to friends and family with our person-to-person transfer feature. Whether it's splitting a dinner bill or helping out a friend in need, transferring money has never been easier. Security is always top of mind at First U.s. Community. We use advanced encryption technologies to protect your information while you bank online or through our app. You can rest assured knowing that your personal details are safe with us. In summary, the digital and online banking services at First U.s. Community are crafted to empower you with accessibility and ease-of-use while keeping your financial data secure. Explore all these features today and see how we can help simplify your banking experience!

Financial Strength

Growing Together

Our commitment is evident as we manage net shares (funds available for lending and investments) amounting to $146,674. Moreover, the trust of our growing member base is illustrated by having 58,398 total share accounts. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First U.s. Community is your trusted partner. Visit us at 2100 Nevada City Hwy Grass Valley Ca 95945 or call (530) 272-5858 to learn more about how we can help you achieve your financial goals.

Investment in Growth

With $55,326,979 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This approach helps us build a robust service portfolio tailored to meet your diverse needs.

Member-Centric Savings Options

Members' savings are secured through $138,029,073 in share certificates and $94,821,322 in money market shares, offering stable and rewarding financial growth opportunities. These options not only help grow your savings but also reflect our commitment to prioritizing your financial well-being. Unlike traditional banks, we focus on our members first. With non-member deposits at $0, we ensure that our resources are centered on benefiting you through better loan rates, lower fees, and exclusive perks.

Our Financial Health

With a net worth of $62,895,992, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation gives us the ability to respond effectively to the needs of our members, whether it's through lending or savings options. Our net worth ratio of 11.54% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

We have a substantial capacity for lending with $4,474 in used auto loans and $351,569,976 in total loans and leases, supporting members' financial goals across various sectors. Additionally, our operational efficiency is reflected in our $-$368,854, which enables us to continue offering competitive loan rates and solid financial products for our members. We pride ourselves on having a dedicated team of 77 full-time employees and 1 part-time employees who are always ready to assist you with knowledgeable service.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $84,846,238 in used vehicle loans and $35,632,812 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable pre-owned option, we're here to assist you with straightforward application processes and flexible terms.

Business Financing

For business owners, our outstanding commercial loans totaling $24,148,972 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges and opportunities; thus, our lending solutions are designed to empower local entrepreneurs and help them thrive. For more details on all our loan offerings or if you have questions about eligibility criteria and refinancing options, don't hesitate to reach out! You can contact us at 530-272-5858 or visit us at our branch located at 2100 Nevada City Hwy Grass Valley CA 95945. We invite you to take advantage of our services today! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $24,214,868, make buying or refinancing simple. We provide various mortgage plans tailored to fit different budgets and lifestyles. If you're looking to refinance your current home loan or explore eligibility options for a new mortgage, our team is ready to guide you through every step of the process.

Unsecured Credit Card Loans

Managing finances effectively can be challenging at times. That's why we also offer flexible terms on unsecured credit card loans, with a total of $5,486,513 in loans helping members navigate their spending with ease. Our credit cards come with rewards that enhance your purchasing power while providing peace of mind through manageable repayment options.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach guarantees that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov). Each loan offer is verified, providing users peace of mind when making financial decisions.

Benefits of Using LendMesh

One of the key benefits of using LendMesh is the emphasis on Verified Data. All loan offers are sourced from legitimate financial institutions, ensuring transparency throughout the comparison process. Additionally, LendMesh operates without Sponsored Listings; lenders are not prioritized based on paid promotions. This commitment to unbiased results allows users to see all options equally. Moreover, LendMesh provides Real-Time Rate Comparisons, presenting up-to-date loan rates from multiple institutions. This feature empowers users to make informed decisions based on current market conditions rather than outdated information. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

FIRST U.S. COMMUNITY CREDIT UNION - Grass Valley, CA

Compare Loan Rates Near You

Loan rates in Grass Valley, CA (95945)