--- title: "1st Northern California Credit Union Rates (Nov 2026): HELOC 8.25%" description: "1st Northern California Credit Union has the lowest tracked 30-year fixed mortgage rate in California (6.12% APR) among 24 credit unions we verify. 1st Northern California Credit Union rates today: mortgage 5.12% APR, vehicle loans from 4.50% APR, HELOC from 8.25% APR, savings & CDs up to 3.30% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join 1st Northern California Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/1st-northern-california" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # 1st Northern California Credit Union Rates (Nov 2026): HELOC 8.25% ### Mortgage rates 20 offers | Product | Published | Rate | Term / condition | Status | | **7 Year Conforming** other | — APR | 4.750% | — | Standard | | **10 Year Conforming** other | — APR | 4.990% | — | Standard | | **7 Year Conforming** other | 5.120% APR | 4.750% | — | Standard | | **15 Year Conforming** other | — APR | 5.125% | — | Standard | | **10 Year Conforming** other | 5.258% APR | 4.990% | — | Standard | | **15 Year Conforming** other | 5.313% APR | 5.125% | — | Standard | | **20 Year Conforming** other | — APR | 5.625% | — | Standard | | **15 Year Jumbo** other | — APR | 5.750% | — | Standard | | **20 Year Conforming** other | 5.776% APR | 5.625% | — | Standard | | **20 Year Jumbo** other | — APR | 5.875% | — | Standard | | **15 Year Jumbo** other | 5.902% APR | 5.750% | — | Standard | | **20 Year Jumbo** other | 5.996% APR | 5.875% | — | Standard | | **30 Year Conforming** other | — APR | 6.000% | — | Standard | | **30 Year Conforming** other | 6.115% APR | 6.000% | — | Standard | | **30 Year Jumbo** other | — APR | 6.125% | — | Standard | | **30 Year Jumbo** other | 6.217% APR | 6.125% | — | Standard | | **10 Year Equity Loan** other | — APR | 7.500% | — | Standard | | **10 Year Equity Loan** other | 7.806% APR | 7.500% | — | Standard | | **15 Year Equity Loan** other | — APR | 7.875% | — | Standard | | **15 Year Equity Loan** other | 8.097% APR | 7.875% | — | Standard | 1st Northern California Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 10 offers | Product | Published | Rate | Term / condition | Status | | **New/Used Auto Loans (Up to 36 months)** auto_any_36mo | — APR | 4.500% | 36 mo · any | Standard | | **New/Used Auto Loan** auto_any_36mo | 4.500% APR | 4.500% | 36 mo · any | Standard | | **New/Used Auto Loans (37 to 48 months)** auto_any_48mo | — APR | 4.750% | 48 mo · any | Standard | | **New/Used Auto Loan** auto_any_48mo | 4.750% APR | 4.750% | 48 mo · any | Standard | | **New/Used Auto Loans (67 - 72 months)** auto_any_72mo | — APR | 4.750% | 72 mo · any | Standard | | **New/Used Auto Loans (49 - 66 months)** auto_any_66mo | — APR | 4.750% | 66 mo · any | Standard | | **New/Used Auto Loans (73 - 84 months)** auto_any_84mo | — APR | 5.490% | 84 mo · any | Standard | | **New/Used Auto Loan** auto_any_84mo | 5.490% APR | 5.490% | 84 mo · any | Standard | | **New/Used RV/Boat Loan** rv_any | — APR | 7.900% | any | Standard | | **New/Used Motorcycle Loan** motorcycle_any | — APR | 7.900% | any | Standard | 1st Northern California Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Adjustable HELOC†** heloc_variable | — APR | 8.250% | — | Standard | | **Adjustable HELOC†** heloc_variable | 8.250% APR | 8.250% | — | Standard | 1st Northern California Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Shared Secured** personal_secured | — APR | 7.900% | — | Standard | | **Up to 72-Month Signature Loan** personal_unsecured_72mo | — APR | 8.900% | 72 mo | Standard | 1st Northern California Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Premier Plus** credit_card | — APR | 8.900% | — | Standard | | **Premier** credit_card | — APR | 9.900% | — | Standard | | **Classic** credit_card | — APR | 11.900% | — | Standard | | **1st Rewards** credit_card_rewards | — APR | 14.900% | — | Standard | 1st Northern California Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 33 offers | Product | Published | Rate | Term / condition | Status | | **Money Market ($100–$9,999.99)** money_market | — APY | 0.20% | — | Standard | | **Savings** share_savings | 0.20% APY | 0.20% | — | Standard | | **Share Savings Accounts ($100.00 - 9,999.99)** share_savings | — APY | 0.20% | — | Standard | | **Savings ($10,000+)** share_savings | — APY | 0.25% | — | Standard | | **Up to $99,999.99** savings | — APY | 0.50% | — | Standard | | **$100,000.00+** savings | — APY | 0.75% | — | Standard | | **Money Market Accounts ($10,000.00 - 24,999.99)** money_market | — APY | 0.90% | — | Standard | | **Money Market** money_market | 0.90% APY | 0.90% | — | Standard | | **Money Market** money_market | 1.00% APY | 1.00% | — | Standard | | **Money Market Accounts ($25,000.00 - 74,999.99)** money_market | — APY | 1.00% | — | Standard | | **Money Market ($75,000+)** money_market | — APY | 1.00% | — | Standard | | **1st Class Money Market Accounts ‡ ($25,000.00+)** money_market | — APY | 1.00% | — | Standard | | **18-Month Certificate ($1,000+)** cd_18mo | 2.69% APY | 2.69% | 18 mo | Standard | | **18-Month Certificate ($5,000+)** cd_18mo | 2.74% APY | 2.74% | 18 mo | Standard | | **18-Month Certificate ($10,000+)** cd_18mo | 2.79% APY | 2.79% | 18 mo | Standard | | **18-Month Certificate ($50,000+)** cd_18mo | 2.84% APY | 2.84% | 18 mo | Standard | | **18-Month Certificate ($100,000+)** cd_18mo | 2.95% APY | 2.95% | 18 mo | Standard | | **24-Month Certificate ($5,000+)** cd_24mo | 2.95% APY | 2.95% | 24 mo | Standard | | **24-Month Certificate ($1,000+)** cd_24mo | 2.95% APY | 2.95% | 24 mo | Standard | | **24-Month Certificate ($10,000+)** cd_24mo | 2.95% APY | 2.95% | 24 mo | Standard | | **$1,000 Minimum (6 - 11 months)** cd_11mo | 3.10% APY | 3.10% | 11 mo | Standard | | **24-Month Certificate ($50,000+)** cd_24mo | 3.10% APY | 3.10% | 24 mo | Standard | | **$5,000 Minimum (6 - 11 months)** cd_11mo | 3.10% APY | 3.10% | 11 mo | Standard | | **$10,000 Minimum (6 - 11 months)** cd_11mo | 3.15% APY | 3.15% | 11 mo | Standard | | **$50,000 Minimum (6 - 11 months)** cd_11mo | 3.15% APY | 3.15% | 11 mo | Standard | | **$100,000 Minimum (6 - 11 months)** cd_11mo | 3.15% APY | 3.15% | 11 mo | Standard | | **24-Month Certificate ($100,000+)** cd_24mo | 3.20% APY | 3.20% | 24 mo | Standard | | **12-Month Certificate ($10,000+)** cd_12mo | 3.30% APY | 3.30% | 12 mo | Standard | | **12-Month Certificate ($5,000+)** cd_12mo | 3.30% APY | 3.30% | 12 mo | Standard | | **12-Month Certificate ($50,000+)** cd_12mo | 3.30% APY | 3.30% | 12 mo | Standard | | **12-Month Certificate ($100,000+)** cd_12mo | 3.30% APY | 3.30% | 12 mo | Standard | | **12-Month Certificate ($1,000+)** cd_12mo | 3.30% APY | 3.30% | 12 mo | Standard | | **1st Class Money Market Accounts ‡ ($0.00 - 24,999.99)** money_market | — APY | 5.39% | — | Standard | 1st Northern California Credit Union savings & cd rates as of November 13, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Title Loan** other | 4.500% % | 4.500% | — | Standard | | **Title Loans (Up to 36 Months)** other | — % | 4.500% | — | Standard | | **Revolving** other | — % | 9.900% | — | Standard | 1st Northern California Credit Union other rates as of November 13, 2026 As of November 13, 2026, 1st Northern California Credit Union offers mortgage rates from 5.12% APR (0.75 points). Vehicle loans available from 4.5% APR for 36 months. HELOC rates from 8.25% APR. Savings and certificate yields up to 3.30% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/1st-northern-california) , verified from [1st Northern California Credit Union's official website](https://www.1stnorcalcu.org/) Best product position **#1 of 24** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **105 bp better than median** 30-year fixed mortgage Products ranked **3** across tracked California markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.12% | #1 of 24 · lowest in California | State market leader | 105 bp better than median | | HELOC | 8.25% | Room to improve vs. the California median | 226 bp from state best | 125 bp behind median | | 15-year fixed mortgage | 5.31% | #1 of 8 · lowest in California | State market leader | 144 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim 1st Northern California Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=1st-northern-california&state=california&code=CA&name=1st%20Northern%20California%20Credit%20Union) Loading branch locator… ## About 1st Northern California Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 32.4K Assets $825.4M Founded 1949 Locations reported 6 NCUA charter 68668 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Nuvision** Martinez Branch · Martinez · CA · 94553-1126 About 3.0 miles away](https://rateapi.dev/credit-unions/california/nuvision) [**Shell Western States** Corporate Office · Martinez · CA · 94553-1976 About 3.0 miles away](https://rateapi.dev/credit-unions/california/shell-western-states) [**Mckesson & Healthcare Providers** McKesson And Healthcare Providers Federal Credit Union · Martinez · CA · 94553-4110 About 3.5 miles away](https://rateapi.dev/credit-unions/california/mckesson-healthcare-providers) [**Travis** Veranda Branch · Concord · CA · 94520 About 5.4 miles away](https://rateapi.dev/credit-unions/california/travis) [**Pacific Service** Pleasant Hill · Pleasant Hill · CA · 94523-3061 About 5.5 miles away](https://rateapi.dev/credit-unions/california/pacific-service) [**Patelco** CONCORD · Concord · CA · 94520 About 5.8 miles away](https://rateapi.dev/credit-unions/california/patelco) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join 1st Northern California Credit Union Membership eligibility from 1st Northern California Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on 1st Northern California Credit Union's website. Check the membership page below to confirm whether you qualify. - Location contra costa, solano, alameda — CA Verified from [1st Northern California Credit Union's membership page](https://www.1stnorcalcu.org/membership/join/) . Final membership determination is always made by the credit union. ## Membership rules for 1st Northern California Credit Union Geography 3 counties · Family 3 18 published paths to membership, last verified August 27, 2026, quoted from 1st Northern California Credit Union’s own published criteria. Source-page proposal coverage: 4 of 5 extracted claims verified; 0 withheld. Only verified rules are shown here. This measures claims found on the reviewed source page, not every possible real-world membership path. ### Geography 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Alameda County, CA - Contra Costa County, CA - Solano County, CA “as well as any and all businesses, corporations, and other legal entities in those counties.” > [source ↗](https://www.1stnorcalcu.org/membership/eligibility-for-membership/) ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family, household member “Persons within the immediate family or household of a member.” > [source ↗](https://www.1stnorcalcu.org/membership/eligibility-for-membership/) - Family member (immediate family, household member) of a member - Family of a member immediate family “The surviving persons within the immediate family of a deceased member.” > [source ↗](https://www.1stnorcalcu.org/membership/eligibility-for-membership/) - Family member (immediate family) of a member - Family Of Deceased immediate family “The surviving persons within the immediate family of a deceased member.” > [source ↗](https://www.1stnorcalcu.org/membership/join/) - Family member (immediate family) of a deceased eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for 1st Northern California Credit Union? Yes No ## Work at 1st Northern California Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where 1st Northern California Credit Union ranks against California peers. - See which AI assistants fetched 1st Northern California Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=1st-northern-california&state=california&code=CA&name=1st%20Northern%20California%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does 1st Northern California Credit Union offer? 1st Northern California Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are 1st Northern California Credit Union rates updated? RateAPI verifies 1st Northern California Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get 1st Northern California Credit Union's rate data? Rate data is collected directly from 1st Northern California Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is 1st Northern California Credit Union's mortgage rate? As of November 13, 2026, 1st Northern California Credit Union offers mortgage rates from 5.12% APR. ### What are 1st Northern California Credit Union's auto, rv & motorcycle loan rates? As of November 13, 2026, 1st Northern California Credit Union offers vehicle loans from 4.5% APR. ### What is 1st Northern California Credit Union's HELOC rate? As of November 13, 2026, 1st Northern California Credit Union offers home equity lines of credit from 8.25% APR. ### What is 1st Northern California Credit Union's best CD rate? As of November 13, 2026, 1st Northern California Credit Union offers savings and certificate (CD) yields up to 3.30% APY. ### Who can join 1st Northern California Credit Union? 1st Northern California Credit Union publishes its membership criteria on its own website. RateAPI tracks 18 published membership paths covering 3 counties for 1st Northern California Credit Union, each quoted from 1st Northern California Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare 1st Northern California Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California mortgage rate leaders](https://rateapi.dev/mortgage-rates/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California HELOC rate leaders](https://rateapi.dev/heloc-rates/california) [California personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.1stnorcalcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track 1st Northern California Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for 1st Northern California Credit Union curl "https://api.rateapi.dev/credit-unions/california /1st-northern-california " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## 1st Northern California Credit Union locations Search, filter, and browse all 6 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/1st-northern-california Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp