First California Federal Credit Union

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.

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

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

• Retail banking services
• Credit union lending
• Consumer deposit accounts
• Mortgage and auto loans
• Digital banking services

Headquarters

HQ city

Fresno

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Interest earned on loans including auto loans, home equity loans, personal loans, and credit cards. Interest paid on deposits.
2. Fee Income: Various fees including those disclosed in the Fee Schedule, Home Equity Disclosure, Visa Credit Card Disclosure, and Overdraft Coverage Options.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core 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.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

17 partnerships are on record, tiered core and minor.

• UPS (United Parcel Service)coreChannel Partner/ Reseller/ DistributorUPS employees have access to credit union membership as an employee benefit through this partnership.
• USPS (United States Postal Service)coreChannel Partner/ Reseller/ DistributorUSPS employees have access to credit union membership as an employee benefit through this partnership.
• Valley Children's HospitalcoreChannel Partner/ Reseller/ DistributorValley Children's Hospital employees receive credit union membership as an employee benefit.
• Veterans Memorial HospitalcoreChannel Partner/ Reseller/ DistributorVeterans Memorial Hospital employees receive credit union membership as an employee benefit.
• Fresno Grizzlies BaseballminorChannel Partner/ Reseller/ DistributorFresno Grizzlies employees have access to credit union membership as an employee benefit.
• Fresno Art MuseumminorChannel Partner/ Reseller/ DistributorFresno Art Museum employees receive credit union membership as an employee benefit.
• Fresno MissionminorChannel Partner/ Reseller/ DistributorFresno Mission employees have access to credit union membership as an employee benefit.
• Hinds HospiceminorChannel Partner/ Reseller/ DistributorHinds Hospice employees receive credit union membership as an employee benefit.
• Work Force ConnectionminorChannel Partner/ Reseller/ DistributorWork Force Connection employees have access to credit union membership as an employee benefit.
• Christian CollegeminorChannel Partner/ Reseller/ DistributorChristian College employees receive credit union membership as an employee benefit.
• Birney Elementary SchoolminorChannel Partner/ Reseller/ DistributorBirney Elementary School employees have access to credit union membership as an employee benefit.
• Dumont PrintingminorChannel Partner/ Reseller/ DistributorDumont Printing employees receive credit union membership as an employee benefit.
• Fresno Glass LLCminorChannel Partner/ Reseller/ DistributorFresno Glass LLC employees have access to credit union membership as an employee benefit.
• Regal ManchesterminorChannel Partner/ Reseller/ DistributorRegal Manchester employees receive credit union membership as an employee benefit.
• Shields Stone Pet HospitalminorChannel Partner/ Reseller/ DistributorShields Stone Pet Hospital employees have access to credit union membership as an employee benefit.
• TODOS Para SaludminorChannel Partner/ Reseller/ DistributorTODOS Para Salud employees receive credit union membership as an employee benefit.
• Co-Op Financial ServicescoreTechnology or IntegrationPart 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

Broad 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

• Facebookfacebook.com/FirstCaliforniaFCU
• LinkedInlinkedin.com/company/first-california-federal-credit-union

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 California Federal Credit Union