First California Federal Credit Union
First California Federal Credit Union is a federally chartered, member-owned credit union founded in 1926 in Fresno, California, offering deposit, lending, and digital banking products to Central California consumers and employees of Select Employee Group partner employers.
- Company typePrivate
- Founded1926
- HeadquartersFresno, United States
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
What First California Federal Credit Union does
First California Federal Credit Union (FCFCU) is a federally chartered, member-owned cooperative credit union headquartered at 2525 East Shields Avenue in Fresno, California. Founded in 1926 and marketed as California's first established credit union, it serves retail consumers and employees of Select Employee Group (SEG) partner organizations across the Central California region, including large enterprise employers such as UPS and USPS, regional hospitals, schools, and local businesses. Its deposit products comprise savings, checking, youth, IRA, and term share (certificate) accounts; its lending products include new and used auto loans (as low as 4.89% APR), home equity loans (6.00% APR), personal loans (7.99% APR), RV/boat/motorcycle loans, Visa credit cards (fixed 15.49% APR), and home loans originated through a "My CU Mortgage" channel.
The credit union operates a largely standard technology stack: online and mobile banking delivered via a CU Solutions Group-hosted platform (cusolutionsgroup.net), supplemented by a mobile app, an audio-response phone-banking service, online check ordering, loan payment e-services, Card Valet card-controls, and an EZ Card Info portal. Physical distribution is concentrated in a single Fresno branch with drive-thru, ATM, night deposit, and ITM services, but functional reach is extended through participation in the Co-Op ATM Network — providing fee-free ATM access nationwide at retail locations including 7-11, Costco, and Walgreens — and through shared-branching arrangements with other credit unions.
Revenue is generated primarily from net interest income on the loan portfolio (auto, home equity, mortgage, personal, RV/boat, and Visa card lending) and from transaction and servicing fees disclosed in the published Fee Schedule, Home Equity Disclosure, Visa Credit Card Disclosure, and Overdraft Coverage documents. Ancillary non-interest income is derived from third-party partnerships including TruStage insurance and Get Away Today vacations. Acquisition is conducted through SEG employer partnerships, community outreach, a Refer-A-Friend program paying $25 to both parties, and digital self-service enrollment. The credit union is governed by a volunteer Board of Directors and led by CEO Gabrielle DeLeon; it holds no external investors, parent company, or subsidiaries, consistent with the cooperative mutual structure.
First California Federal Credit Union firmographics
Firmographics- Name
- First California Federal Credit Union
- Legal name
- First California Federal Credit Union
- Website
- https://firstcalfcu.org
- Company type
- Private
- Founded year
- 1926
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- First California Federal Credit Union is a federally chartered, member-owned credit union founded in 1926 in Fresno, California, offering deposit, lending, and digital banking products to Central California consumers and employees of Select Employee Group partner employers.
- Ownership category
- akta.pro rank
First California Federal Credit Union industry classification
Industry- Product category
- Retail Banking (Credit Union)
- NAICS
- Credit Unions (52213), Credit Unions (522130)
- SIC
- Savings Institution, Federally Chartered (6035)
- akta.pro primary industry
- Employer/Occupational Credit Unions (FSABAEAB)
- akta.pro secondary industries
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA), General Purpose Credit Cards (FSAKABAA), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
Keywords
Where First California Federal Credit Union is headquartered
LocationHeadquarters
- HQ city
- Fresno
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
First California Federal Credit Union business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Interest earned on loans including auto loans, home equity loans, personal loans, and credit cards. Interest paid on deposits.
- Fee Income: Various fees including those disclosed in the Fee Schedule, Home Equity Disclosure, Visa Credit Card Disclosure, and Overdraft Coverage Options.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | New Auto Loans - As Low As 4.89% APR |
| Other | Monthly | Home Equity Loans - 6.00% APR |
| Other | Monthly | Personal Loans - 7.99% APR |
| Other | Monthly | Visa Credit Card - Fixed Rate 15.49% APR |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
First California Federal Credit Union product offering
Product offeringCore offering
First California Federal Credit Union is a federally chartered, member-owned cooperative that provides retail banking and lending services to consumers in Central California. Its product set spans deposit products (checking, savings, youth accounts, IRAs, term share/certificate accounts) and consumer loans (auto, home equity, RV/boat/motorcycle, personal, mortgage through My CU Mortgage, and VISA credit cards), supported by digital banking channels and access to the Co-Op ATM Network for fee-free nationwide ATM access.
Product overview
First California Federal Credit Union offers a comprehensive suite of banking products organized around three main categories: Checking & Savings (including Savings Accounts, Checking Accounts, Youth Accounts, IRAs, and Term Share Accounts), Loans (including Auto Loans, RV/Boat/Motorcycle Loans, Home Loans through My CU Mortgage, VISA Credit Cards, and Personal Loans), and Electronic Services (including Online & Mobile Banking, Audio Response, Online Check Ordering, Loan Payments, Card Valet, and EZ Card Info). The credit union also provides member services such as Calculators, Fraud Alerts, TruStage Insurance, and Get Away Today Vacations. The core offering consists of deposit and lending products supported by digital banking infrastructure, with supplementary services delivered through third-party partnerships.
Differentiator
Problem solved
Functional benefit
Products and services
- Savings Accounts Deposit accounts offering competitive rates that allow credit union members to save and grow their money.
- Checking Accounts Everyday transaction accounts for members to manage deposits, withdrawals, and payments.
- Youth Accounts Banking accounts tailored for young members to begin their financial journey.
- IRAs (Individual Retirement Accounts) Tax-advantaged retirement savings accounts for individual members.
- Term Share Accounts (Certificates of Deposit) Certificate accounts with fixed terms offering guaranteed rates for member savings.
- Auto Loans Financing for new and used vehicle purchases, with rates as low as 4.89% APR for qualified members.
- RV, Boat & Motorcycle Loans Specialized financing for recreational vehicles, boats, and motorcycles for credit union members.
- Home Loans (My CU Mortgage) Mortgage and home loan products for purchasing or refinancing residential properties, delivered through the My CU Mortgage channel.
- VISA Credit Cards Credit card products for member purchases with a fixed 15.49% APR.
- Personal Loans Unsecured personal loans for member borrowing needs at rates starting at 7.99% APR.
- Home Equity Loans Home equity financing for members to access the equity in their property at a 6.00% APR.
- Online & Mobile Banking 24/7 digital banking platform providing web and mobile app access for viewing balances, making transfers, and managing accounts.
Companies that use First California Federal Credit Union
Customer profileSegments2 records
Ideal customer profiles2 records
First California Federal Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
First California Federal Credit Union partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered core and minor.
- UPS (United Parcel Service)coreUPS employees have access to credit union membership as an employee benefit through this partnership.
- USPS (United States Postal Service)coreUSPS employees have access to credit union membership as an employee benefit through this partnership.
- Valley Children's HospitalcoreValley Children's Hospital employees receive credit union membership as an employee benefit.
- Veterans Memorial HospitalcoreVeterans Memorial Hospital employees receive credit union membership as an employee benefit.
- Fresno Grizzlies BaseballminorFresno Grizzlies employees have access to credit union membership as an employee benefit.
- Fresno Art MuseumminorFresno Art Museum employees receive credit union membership as an employee benefit.
- Fresno MissionminorFresno Mission employees have access to credit union membership as an employee benefit.
- Hinds HospiceminorHinds Hospice employees receive credit union membership as an employee benefit.
- Work Force ConnectionminorWork Force Connection employees have access to credit union membership as an employee benefit.
- Christian CollegeminorChristian College employees receive credit union membership as an employee benefit.
- Birney Elementary SchoolminorBirney Elementary School employees have access to credit union membership as an employee benefit.
- Dumont PrintingminorDumont Printing employees receive credit union membership as an employee benefit.
- Fresno Glass LLCminorFresno Glass LLC employees have access to credit union membership as an employee benefit.
- Regal ManchesterminorRegal Manchester employees receive credit union membership as an employee benefit.
- Shields Stone Pet HospitalminorShields Stone Pet Hospital employees have access to credit union membership as an employee benefit.
- TODOS Para SaludminorTODOS Para Salud employees receive credit union membership as an employee benefit.
- Co-Op Financial ServicescorePart of the Co-Op ATM Network, providing members fee-free access to ATMs nationwide at retail locations including 7-11, Costco, and Walgreens, as well as other credit unions.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
First California Federal Credit Union competitors and assessment
Company assessmentBroad incumbents
- Alliant Credit Union: Large, digitally focused credit union serving a national membership including employer groups. Comparable in offering a full product suite (deposits, auto, mortgage, credit cards) but with much broader national scale and stronger digital capabilities.
Regional players
- Logix Federal Credit Union: California-based credit union with a comparable deposit and consumer lending product set, including auto, home, and credit card offerings. Overlaps with FCFCU on California employer-partner and community member acquisition.
- San Diego County Credit Union: Regional California credit union competing in a similar community/employer-member niche but anchored in Southern California rather than the Central Valley. Comparable product mix (deposits, auto/home loans, credit cards) and similar member acquisition approach.
- Kinecta Federal Credit Union: Federally chartered credit union serving Southern California with employer-group and community members. Directly comparable in federal charter status, product breadth (auto, home, credit cards, deposits), and SEG-driven member acquisition strategy.
Direct peers
- Patelco Credit Union: Northern California credit union offering a similar suite of consumer banking and lending products to employer-group and community members. Comparable in product breadth, member-owned structure, and California-centric operating geography.
- Wescom Central Credit Union: Large Southern California credit union that already powers FCFCU's home loans via 'My CU Mortgage.' Highly comparable as another California-based, employer-group-driven credit union offering deposits, consumer lending, and digital banking to a similar member profile.
- Chevron Federal Credit Union: Federally chartered, employer-anchored credit union serving employees of Chevron and other SEGs. Highly analogous model: corporate-employer partnership funnel, full deposit and consumer lending suite, and federal charter governance.
- SchoolsFirst Federal Credit Union: California-based, employer-group-anchored federal credit union serving school employees and their families. Operates an analogous SEG-driven acquisition model with comparable deposit, lending, and digital products, including youth and member lifecycle offerings.
- Premier America Credit Union: California-based credit union offering a comparable full suite of consumer banking and lending products to a similar employer-partner and community membership base. Direct overlap in loan pricing structure and digital banking capabilities.
- Golden 1 Credit Union: California's largest credit union with a similar full-service deposit and consumer lending offering. Both institutions serve California consumers and employees of partner organizations through branch and digital channels, and compete for SEG relationships statewide.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
First California Federal Credit Union social profiles
Digital presenceFirst California Federal Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
First California Federal Credit Union leadership team
Management profileNumber of profiles
Profiles1 record
First California Federal Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
First California Federal Credit Union M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about First California Federal Credit Union
What does First California Federal Credit Union do?
First California Federal Credit Union is a federally chartered, member-owned cooperative that provides retail banking and lending services to consumers in Central California. Its product set spans deposit products (checking, savings, youth accounts, IRAs, term share/certificate accounts) and consumer loans (auto, home equity, RV/boat/motorcycle, personal, mortgage through My CU Mortgage, and VISA credit cards), supported by digital banking channels and access to the Co-Op ATM Network for fee-free nationwide ATM access.
Is First California Federal Credit Union a public or private company?
First California Federal Credit Union is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was First California Federal Credit Union founded?
First California Federal Credit Union was founded in 1926. It employs 1,001 to 5,000 people.
Where is First California Federal Credit Union based?
First California Federal Credit Union is headquartered in Fresno, United States, in the North America region.
How does First California Federal Credit Union make money?
Two revenue lines are on record. Interest Income is the primary driver. The others are fee Income.
Who are First California Federal Credit Union's main competitors?
Alliant Credit Union is listed as a broad incumbent. Regional players are Logix Federal Credit Union, San Diego County Credit Union and Kinecta Federal Credit Union. Direct peers are Patelco Credit Union, Wescom Central Credit Union, Chevron Federal Credit Union, SchoolsFirst Federal Credit Union, Premier America Credit Union and Golden 1 Credit Union.
Does First California Federal Credit Union have an API?
No public API is recorded for First California Federal Credit Union.
What industry is First California Federal Credit Union in?
First California Federal Credit Union's product category is Retail Banking (Credit Union). Its primary akta.pro industry code is FSABAEAB, Employer/Occupational Credit Unions, with a secondary code of FSABAEAA, Community Credit Unions (Retail/Consumer Focus). Its NAICS code is 52213 and its SIC code is 6035.