First U.S. Community Sacramento CA Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to First U.S. Community, your trusted partner in financial services since 1936! Located at 580 University Ave, Sacramento, CA 95825, we have proudly served our community for over eight decades, growing alongside our members and ensuring their financial well-being. With a strong membership base of 28,463 individuals, our commitment to providing exceptional service is reflected in our total assets of $544,161,250 and total deposits amounting to $29,798,654. At First U.S. Community, we understand that each member's needs are unique. Whether you're looking for personal banking solutions like checking and savings accounts, or need assistance with auto loans and mortgages, our team is here to help you navigate your financial journey. We offer competitive loan options with a total of 14,274 loans and leases currently issued to our valued members. Our leadership team is dedicated to fostering a welcoming environment where every member feels valued. Led by CEO Shonna Shearson and Board President Dennis Cook, we prioritize transparency and support in all our interactions. Our staff of 78 employees is here to assist you during our lobby hours from 8:00 AM to 5:30 PM on weekdays. For any official correspondence, please send it to the same address as our branch: 580 University Ave, Sacramento, CA 95825. We invite you to visit us in person or reach out via phone at 916-576-5700. Explore more about us on our website here and see how we can help you achieve your financial goals today!

Branch History & Mission

Welcome to First U.S. Community, a credit union deeply rooted in the heart of Sacramento, California. Established in 1936, we have proudly served our community for over eight decades, evolving with the needs of our members while maintaining a strong commitment to their financial well-being. Our branch is located at 580 University Ave, Sacramento, CA 95825, easily accessible for anyone in the area. Whether you're visiting nearby landmarks or simply passing through, we invite you to experience our friendly service firsthand. While members can visit us at this address, official correspondence should be sent to the same location. Over the years, First U.S. Community has grown to encompass a membership of 28,463 and total assets amounting to an impressive $544,161,250. This growth reflects our dedication to providing personalized financial services that truly make a difference in people's lives. Our mission is simple yet powerful: we strive to empower our members through accessible banking solutions while fostering community support and outreach. At First U.S. Community, we understand that banking isn't just about numbers; it's about people. Our team is committed to offering a wide range of services tailored to your needs whether you're looking for personal banking options like checking and savings accounts, or financing solutions including auto loans and mortgages. We also provide business banking services, ensuring that local entrepreneurs have the resources they need to thrive. In addition to traditional banking services, we've embraced digital advancements that make managing your finances easier than ever. Our online and mobile banking platforms allow you to access your accounts anytime and anywhere. For those who prefer face-to-face interactions, our shared service center offers basic transactions for partner credit union members right here at our branch. We believe in giving back to the community that has supported us throughout the years. Through various outreach initiatives and partnerships with local organizations, we work diligently to strengthen Sacramento and ensure that every member feels valued and heard. As you explore all that First U.S. Community has to offer, we encourage you to join our family. Experience firsthand how we're dedicated not only to your financial success but also to enriching the community around us. Visit us today or give us a call at 916-576-5700 let's embark on this journey together!

Branch Location & Accessibility

Welcome to First U.S. Community, your friendly neighborhood credit union located at 580 University Ave in beautiful Sacramento, CA. Situated conveniently near the bustling intersection of University Avenue and a short drive from major landmarks like the Sacramento State University campus, our branch is easy to find and access. Whether you're here for personal banking or to explore our variety of financial services, we ensure that your visit is as smooth as possible. Our branch features accessible parking and ADA-compliant entrances, making it easy for everyone to enjoy our services. If you need to send us any official correspondence, please note that you can use our mailing address at 580 University Ave, Sacramento, CA 95825. We know that your time is valuable, which is why we offer convenient operating hours from 8:00 AM to 5:30 PM, Monday through Friday. Feel free to give us a call at 916-576-5700 if you have any questions or need assistance before your visit. At First U.S. Community, we proudly provide a range of services including checking and savings accounts, auto loans, mortgage loans, and more. Plus, we have ATM availability right on-site for quick cash withdrawals and balance checks. While we do not currently offer drive-thru banking, our shared service center allows members of partner credit unions to make basic transactions with ease. We invite you to come by and discover how we can assist you in reaching your financial goals!

Member Eligibility

At First U.s. Community, becoming a member means joining a community that truly cares about your financial well-being. We welcome individuals who live, work, or go to school in the Sacramento area, along with their family members. This means if you're part of our local family, you can enjoy all the benefits we offer, from competitive loan rates to personalized service. If you want to learn more about the specific eligibility criteria, feel free to check out our detailed information at https://firstus.org/about#join-us . Getting started is easy! Simply visit us at 580 University Ave Sacramento Ca 95825, or give us a call at (916) 576-5700. Our friendly team is here to guide you through the account opening process and answer any questions you might have. Join us today and discover how being part of First U.s. Community can help you achieve your financial goals!

Business Banking & Commercial Services

Business Loan Options

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. This funding has empowered local entrepreneurs to enhance their operations, invest in new technologies, and create jobs within the community.

Merchant Services That Matter

Imagine being able to accept payments from customers seamlessly, no matter how they choose to pay. Our merchant services provide that flexibility. For example, if you run a retail store, our solutions ensure that your customers can use credit cards, mobile payments, or even contactless options without hassle. This not only enhances customer satisfaction but also increases sales opportunities. With an outstanding commercial loan portfolio of $24,148,972, we continue to drive economic growth by financing new and expanding businesses. Join us at First U.s. Community located at 580 University Ave Sacramento Ca 95825 in Sacramento, CA, and let's work together to achieve your business goals! For more information or assistance, call us at (916) 576-5700.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Enjoy easy access with our ATM and cash withdrawal services available at convenient locations. And if you're a member of partner credit unions, basic shared branch transactions like deposits and withdrawals are hassle-free as well. Our location features one ATM for quick withdrawals or balance checks whenever you need them. We invite you to experience the difference at First U.s. Community, where modern convenience meets personalized service. Have questions or want more information? Give us a call at (916) 576-5700, or visit us online at First Us Community Cu. We're here to help you take control of your financial journey!

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing make it simple and affordable. We understand that buying a car is a big decision, which is why we offer competitive rates and flexible terms. You can feel confident knowing that we'll help you find the best financing option that fits your budget.

Business Banking

For entrepreneurs and business owners, we have tailored solutions under our business banking services. From merchant services that simplify transactions to business loans designed for growth, we're dedicated to supporting local businesses thrive in our community.

Credit Cards with Rewards

For those who love earning rewards on their purchases, our credit cards with rewards offer great benefits. Use it for everyday shopping and watch your rewards accumulate it's an easy way to earn something back while managing your expenses.

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans and refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, we provide personalized service to guide you through the process. Picture yourself in the home of your dreams, all while having peace of mind with a mortgage that works for you.

Personal Banking

When it comes to personal banking, we offer a variety of options tailored to fit your needs. Whether you're looking for checking and savings accounts to help manage your everyday expenses or want to save for future goals, our team is ready to assist. Imagine being able to easily track your spending and savings with just a few taps on your phone. With our online and mobile banking services, you can manage your accounts anytime, anywhere.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide quick relief. Our friendly staff can help you explore various options so you can make informed decisions about your financial future.

Digital & Online Banking

Accessibility and Ease-of-Use

At First U.s. Community, we're committed to providing our members with accessible banking solutions. Our services are designed for ease of use, ensuring that managing your money is straightforward and efficient. You can make transactions in real-time and stay updated with your financial status whenever you need. Join us today at First U.s. Community and discover how our digital banking services can enhance your financial experience. For more information about all the ways we can support you, visit us at https://firstus.org/ !

Key Features

We know security is a top concern for our members. That's why we use advanced encryption technology to keep your information safe. Plus, with electronic signature authorization available, signing important documents has never been easier or more secure. Want to go paperless? Sign up for e-statements and receive your account statements electronically it's not only convenient but also environmentally friendly! If you're always on the move, our mobile application lets you manage your finances right from your smartphone. With features like mobile payments and person-to-person transfers, sending money to friends or making purchases has never been simpler.

Financial Strength

Commitment to Growth

Our commitment to our members is reflected in our operations. 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. We support your financial goals with $4,474 in used auto loans and a total of $351,569,976 in loans and leases.

Growing Community Trust

We have built trust within our community as shown by our total share accounts: 58,398, indicating a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $146,674, showcasing our capability to invest back into the community while supporting your financial aspirations. 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 580 University Ave Sacramento Ca 95825 or call (916) 576-5700 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Member-Centric Savings

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. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency shines through with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 77 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

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. Our net worth ratio of $1,154 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Services

In addition to these offerings, we also provide options for refinancing and eligibility checks for all our loan products. If you're interested in exploring these options further, please don't hesitate to reach out. You can visit us at our branch located at 580 University Ave, Sacramento Ca 95825, or give us a call at 916-576-5700 for more information about how we can assist you with your financial needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At First U.S. Community, we're dedicated to supporting our members every step of the way on their financial journey.

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 interested in financing a brand-new vehicle or a reliable used one, we have options that suit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $24,148,972 provide the capital needed to grow and expand. We understand that every business has unique challenges and opportunities; our team is here to support you in reaching your aspirations.

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 guidance throughout the process to ensure you understand your choices and feel confident in your decision.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,486,513 in loans helping members manage their finances effectively. These cards come with benefits that allow you to earn rewards while building credit.

Loan Aggregator

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This rigorous sourcing ensures fair and transparent offers for all users. LendMesh emphasizes several key benefits that contribute to its reliability: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results, allowing users to make informed choices without commercial influence. - Real-Time Rate Comparisons: Users receive up-to-date loan rates from multiple institutions, helping them stay informed about their options. 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!" This testimonial illustrates how effective and user-friendly the platform can be.

Take Action Today

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