--- title: "First California Credit Union Rates (Nov 2026): CDs to 4.07%" description: "First California Credit Union rates today: savings & CDs up to 4.07% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join First California Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/first-california" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # First California Credit Union Rates (Nov 2026): CDs to 4.07% ### Auto & vehicle rates 12 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | — APR | 4.890% | new | Standard | | **48-Month New Auto Loan (2023 and Newer)** auto_new_48mo | — APR | 4.890% | 48 mo · new | Standard | | **60-Month New Auto Loan (2023 and Newer)** auto_new_60mo | — APR | 4.890% | 60 mo · new | Standard | | **72-Month New Auto Loan (2023 and Newer)** auto_new_72mo | — APR | 4.990% | 72 mo · new | Standard | | **72-Month Used Auto Loan (2019–2022)** auto_used_72mo | — APR | 5.500% | 72 mo · used | Standard | | **60-Month Used Auto Loan (2019–2022)** auto_used_60mo | — APR | 5.500% | 60 mo · used | Standard | | **48-Month Used Auto Loan (2019–2022)** auto_used_48mo | — APR | 5.500% | 48 mo · used | Standard | | **84-Month New Auto Loan (2023 and Newer)** auto_new_84mo | — APR | 5.500% | 84 mo · new | Standard | | **72-Month New RV Loan (2023 and Newer)** rv_new_72mo | — APR | 7.400% | 72 mo · new | Standard | | **96-Month New RV Loan (2023 and Newer)** rv_new_96mo | — APR | 7.600% | 96 mo · new | Standard | | **120-Month New RV Loan (2023 and Newer)** rv_new_120mo | — APR | 7.700% | 120 mo · new | Standard | | **144-Month New RV Loan (2023 and Newer)** rv_new_144mo | — APR | 7.850% | 144 mo · new | Standard | First California Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.000% | — | Standard | | **7-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.000% | — | Standard | | **15-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.500% | — | Standard | First California Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **12-Month Unsecured Personal Loan** personal_unsecured_12mo | — APR | 7.990% | 12 mo | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 7.990% | — | Standard | | **24-Month Unsecured Personal Loan** personal_unsecured_24mo | — APR | 9.500% | 24 mo | Standard | | **36-Month Unsecured Personal Loan** personal_unsecured_36mo | — APR | 9.750% | 36 mo | Standard | | **48-Month Unsecured Personal Loan** personal_unsecured_48mo | — APR | 10.000% | 48 mo | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 10.250% | 60 mo | Standard | First California Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 15.490% | — | Standard | First California Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 12 offers | Product | Published | Rate | Term / condition | Status | | **12-Month IRA** ira | 2.43% APY | 2.40% | 12 mo | Standard | | **6-Month IRA** ira | 2.43% APY | 2.40% | 6 mo | Standard | | **3-Month IRA** ira | 2.43% APY | 2.40% | 3 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 2.53% | 12 mo | Standard | | **24-Month IRA** ira | 2.53% APY | 2.50% | 24 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 2.53% | 6 mo | Standard | | **12-Month IRA** ira | 2.63% APY | 2.60% | 12 mo | Standard | | **24-Month IRA** ira | — APY | 2.68% | 24 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 2.73% | 24 mo | Standard | | *** Annual Percentage Yield** savings | — APY | 2.89% | — | Standard | | **12-Month IRA** ira | — APY | 2.94% | 12 mo | Standard | | **Term Share & IRA Term Share Accounts (9 Month Promo (New Money Only) $250,000 MAX)** ira | 4.07% APY | 4.00% | 9 mo | Standard | First California Credit Union savings & cd rates as of November 13, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Open** other | — % | 14.000% | — | Standard | First California Credit Union other rates as of November 13, 2026 Savings and certificate yields up to 4.07% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/first-california) , verified from [First California Credit Union's official website](https://www.firstcalfcu.org/) Loading branch locator… ## About First California Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 9.3K Assets $109.9M Founded 1982 Locations reported 2 NCUA charter 23964 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements 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. [**United Local** United Local Credit Union · Fresno · CA · 93726 About 0.2 miles away](https://rateapi.dev/credit-unions/california/united-local) [**Central Valley Firefighters** Central Valley Firefighters Credit Union · FRESNO · CA · 93710-6828 About 1.8 miles away](https://rateapi.dev/credit-unions/california/central-valley-firefighters) [**Educational Employees** Barstow · Fresno · CA · 93710-6104 About 1.9 miles away](https://rateapi.dev/credit-unions/california/educational-employees) [**Noble** Noble Airport Branch · Fresno · CA · 93727-1618 About 2.5 miles away](https://rateapi.dev/credit-unions/california/noble) [**San Joaquin Power Employees** SAN JOAQUIN POWER EMPLOYEES CREDIT UNION · FRESNO · CA · 93711 About 3.0 miles away](https://rateapi.dev/credit-unions/california/san-joaquin-power-employees) [**Valley First** Clovis Commons · Clovis · CA · 93612 About 3.6 miles away](https://rateapi.dev/credit-unions/california/valley-first) 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 First California Credit Union Membership eligibility from First California Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on First California Credit Union's website. Check the membership page below to confirm whether you qualify. **Cost to join:** About $5. Verified from [First California Credit Union's membership page](https://www.firstcalfcu.org/about-us/become-a-member) . Final membership determination is always made by the credit union. ## Work at First 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 First California Credit Union ranks against California peers. - See which AI assistants fetched First 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=first-california&state=california&code=CA&name=First%20California%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does First California Credit Union offer? First California Credit Union currently offers 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 First California Credit Union rates updated? RateAPI verifies First 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 First California Credit Union's rate data? Rate data is collected directly from First 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 First California Credit Union's best CD rate? As of November 13, 2026, First California Credit Union offers savings and certificate (CD) yields up to 4.07% APY. ### Who can join First California Credit Union? First California Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare First California Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/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) [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.firstcalfcu.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 First 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 First California Credit Union curl "https://api.rateapi.dev/credit-unions/california /first-california " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## First California Credit Union locations Search, filter, and browse all 2 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/first-california Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp