First US Community Credit Union

What First US Community Credit Union does

First U.S. Community Credit Union is a member-owned, not-for-profit financial cooperative founded in 1936 and headquartered at 580 University Ave, Sacramento, California. It operates five physical branches across the Sacramento metropolitan area and surrounding counties — Arden/Arcade, Auburn, Grass Valley, Rocklin, and Gold River — supplemented by access to the CO-OP shared branch network (5,000+ branches and 30,000+ ATMs nationwide), enabling members to conduct transactions across 12 California counties. The credit union serves individual consumers, small business owners, federal government employees, and first-time homebuyers, with explicit community-mission programs (Government Employee Furlough Loan, Quick Cash payday-alternative loans, financial-education webinars through BALANCE, and Habitat for Humanity sponsorship). Total headcount is reported in the 51-100 range, consistent with a mid-sized community institution.

The product suite spans core deposit accounts (Better Than Free Checking, Dividend Checking, Youth/Essentials/Business checking, Smart Start High-Yield Savings at 4.00% APY, Money Market, Certificates), consumer lending (auto loans from 4.99% APR, HELOC intro 4.75%, personal loans $3,000-$25,000, mortgage purchase/refinance, and first-time homebuyer programs), business banking (SBA 7(a)/504 up to $4M, commercial real estate, equipment loans $25K-$250K, business Visa, lines of credit), three Visa card products (Cash Rewards, Platinum Preferred with 0% intro, Share Secured), insurance via TruStage, and estate-planning/digital-inheritance services delivered through partnerships with Trust & Will and Ribbon (the latter integrated to core banking via PortX). The technology architecture combines a third-party credit union core platform with first-party mobile (iOS/Android) and online banking, Apple Pay / Google Pay / Samsung Pay wallet support, Zelle P2P payments, and a Deceased Member Notification portal. No AI/ML capabilities are evident in the disclosed technology stack.

First U.S. earns revenue primarily through net interest income on its loan portfolio (consumer mortgages, auto, HELOC, personal, business) plus non-interest income from account-related fees, share/dividend services, credit-card interest and interchange, and business services (First Data payment processing, ADP payroll referrals). As a credit union, surplus is returned to members in the form of higher savings yields and lower loan rates rather than distributed to shareholders. Its go-to-market combines branch-based relationship banking with community-led outreach (local partnerships, financial-education webinars, charity sponsorships), direct digital acquisition through its website and mobile app, and a recently formalized business-services team under VP Bob Miller to drive SBA and commercial lending origination.

Name

First US Community Credit Union

Legal name

First U.S. Community Credit Union

Website

https://firstus.org

Company type

Private

Founded year

1936

Operating status

Operating

Headcount range

51–100 employees

Short description

First U.S. Community Credit Union is a Sacramento-based, member-owned financial cooperative founded in 1936 serving consumers, small businesses, and federal employees across 12 California counties through five branches and digital channels with consumer and business banking products.

Ownership category

akta.pro rank

Product category

Credit Union / Retail Banking

NAICS

Credit Unions (52213), Credit Unions (522130), Credit Card Issuing (52221)

SIC

Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

• Credit union banking
• Consumer lending
• Business banking
• Mortgage loans
• Financial services

Headquarters

HQ city

Sacramento

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Interest Income on Loans: Primary revenue stream from interest charged on consumer and business loans including mortgages, auto loans, personal loans, and credit cards
2. Account Fees and Service Charges: Monthly service fees, ATM fees, overdraft fees, and other account-related charges
3. Share/Dividend Account Services: Fee-based services on savings, checking, and certificate accounts with various rate tiers
4. Credit Card Revenue: Interest income and transaction fees from Visa credit card products
5. Business Services Revenue: Payment processing through First Data partnership, payroll services through ADP partnership

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

First U.S. Community Credit Union is a member-owned, not-for-profit financial cooperative that provides consumer and business banking products, including checking and savings accounts, certificates, IRAs, personal and mortgage loans, auto financing, credit cards, business lending (SBA, commercial real estate, equipment financing), and digital services such as mobile banking, Zelle, and a digital inheritance platform. It serves individual members and small businesses across Northern California through five branches and the CO-OP shared branch and ATM network.

Product overview

First U.S. Community Credit Union offers a comprehensive suite of financial products and services organized into consumer and business banking divisions. Consumer offerings include multiple checking account options (Better Than Free Checking, Dividend Checking, Youth Checking, Essentials Checking), savings products (Smart Start High Yield, Dream Savings, Money Market, Prime Savings, Youth Savings), certificate accounts, and retirement solutions (Traditional IRA, Roth IRA, Coverdell ESA, SEP). Lending products span personal loans, auto loans, home purchase/refinance mortgages, home equity products, and business loans. The credit union provides credit cards (Cash Rewards Visa, Platinum Preferred Visa, Share Secured Visa), insurance through TruStage partnership, and estate planning via Trust & Will. Digital banking services include online/mobile banking, credit score monitoring, Zelle P2P payments, and mobile wallet integration with Apple Pay, Google Pay, and Samsung Pay. Business services encompass checking, savings, SBA loans, commercial real estate financing, equipment loans, and business Visa cards. Special programs include GoGreen energy financing, Quick Cash payday alternatives, government employee furlough loans, and digital inheritance services through Ribbon partnership.

Differentiator

Problem solved

Functional benefit

Products and services

• Better Than Free Checking
• Dividend Checking
• Youth Checking
• Essentials Checking
• Smart Start High Yield Savings Account
• Dream Savings
• Money Market Savings
• Prime Savings
• Youth Savings
• Certificate Accounts
• Personal Loans
• Personal Line of Credit
• Quick Cash Loan
• Government Employee Furlough Loan
• Auto Loans
• Auto Refinance
• Motorcycle and RV Loans
• Home Purchase/Refinance Loans
• First-Time Homebuyer Program
• Home Equity Line of Credit (HELOC)
• Home Equity Loans
• GoGreen Home Energy Financing
• Eco-Upgrade+ Loan
• Free Business Checking

Quantifiable outcome

• Inheritance claim processing reduced from up to 12 months to a few weeks through Ribbon partnership
• +4 more outcomes

Named customers9 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration18 records

Feature5 records

Partnerships

13 partnerships are on record, tiered core and minor.

• RibboncoreTechnology or Integration · 3 March 2025Digital inheritance and estate platform partnership enabling streamlined inheritance claim processing. Ribbon's platform reduces claim timelines from up to 12 months to a few weeks, helping the credit union retain deposits during The Great Wealth Transfer ($124 trillion intergenerational transfer).
• PortXcoreTechnology or Integration · 3 March 2025Core banking integration partner for Ribbon platform connection, enabling seamless data exchange between Ribbon's inheritance system and First U.S.'s core banking infrastructure.
• First City Credit UnionminorStrategic or Co-development PartnerCredit union partner in Ribbon digital inheritance platform implementation, sharing best practices and co-developing the inheritance process for credit union members.
• Trust & WillcoreGTM or Marketing PartnerOnline estate planning platform partner offering First U.S. members 20% discount on estate plans. Trust & Will is the leader in online estate planning having helped over half a million families. Partnership enables members to create wills and trusts in 30 minutes online.
• BALANCEcoreStrategic or Co-development PartnerFinancial education partner providing free access to expert-crafted financial education resources including articles, calculators, videos, and webinars on debt management, saving, planning, and spending topics.
• TruStagecoreGTM or Marketing PartnerInsurance services partner backed by 80+ years of credit union experience. Offers life, auto & home, and accidental death & dismemberment insurance products designed for credit union members.
• First DatacoreTechnology or IntegrationPayment processing partner providing comprehensive merchant account services for business customers. Enables secure credit card processing with competitive rates and attentive customer service.
• ADPcoreStrategic or Co-development PartnerPayroll services partner providing HR, payroll, benefits, and tax solutions for business customers. Partnership includes dedicated representative Morgan Rosen for First U.S. business members.
• Harland ClarkeminorChannel Partner/ Reseller/ DistributorCheck printing partner for reorder services for both consumer and business members. Convenient online check ordering with accessories.
• CO-OP Financial ServicescoreChannel Partner/ Reseller/ DistributorShared branch and ATM network partner providing members access to 30,000+ ATMs and 5,000+ shared branches nationwide.
• Pacific Gas & Electric (GoGreen Program)minorStrategic or Co-development PartnerState of California energy efficiency financing program partner. GoGreen Loan program for energy improvements requires property to receive gas/electric from PG&E, SDG&E, SoCalGas, or SCE.
• Enterprise Car SalesminorGTM or Marketing PartnerAuto buying partner offering First U.S. members 0.50% APR discount on vehicle purchases. Includes 7-day buyback guarantee and ASE-certified inspections.
• AutolandminorGTM or Marketing PartnerOnline auto buying concierge service allowing members to search and purchase vehicles with consultant assistance. Takes over negotiation process for members.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/fusccu
• LinkedInlinkedin.com/company/first-us-community-credit-union
• Instagraminstagram.com/firstusccu

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles20 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First US Community Credit Union