--- title: "First U.s. Community Credit Union Rates (Nov 2026): HELOC 15.00%" description: "First U.s. Community Credit Union rates today: 30 year fixed mortgage 7.14% APR, HELOC from 15.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join First U.s. Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/first-us-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # First U.s. Community Credit Union Rates (Nov 2026): HELOC 15.00% ### Mortgage rates 14 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.143% APR | 7.000% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | 7.321% APR | 7.125% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 6.858% APR | 6.750% | — | Standard | | **15-Year Fixed** 15 year fixed | 7.131% APR | 7.000% | — | Standard | | **Jumbo 5/5 ARM** 5 5 arm | 6.131% APR | 5.990% | — | Standard | | **5/5 ARM** 5 5 arm | 6.224% APR | 5.990% | — | Standard | | **Jumbo 10-Year Fixed** 10 year fixed | 6.647% APR | 6.500% | — | Standard | | **10/10/10 ARM (Conforming)** 10 10 arm | — APR | 6.770% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.805% APR | 6.625% | — | Standard | | **10/10/10 ARM (Jumbo)** 10 10 arm | — APR | 6.875% | — | Standard | | **15/15 ARM (Conforming)** arm | — APR | 7.000% | — | Standard | | **15/15 ARM (Jumbo)** arm | — APR | 7.000% | — | Standard | | **Jumbo 20-Year Fixed** 20 year fixed | 7.089% APR | 6.875% | — | Standard | | **10-Year Fixed** 10 year fixed | 7.131% APR | 6.875% | — | Standard | First U.s. Community Credit Union mortgage rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELOC** heloc | — APR | 4.750% | — | Standard | | **HELOC (Variable)** heloc_variable | 15.000% APR | 3.250% | — | Standard | First U.s. Community Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **60-Month Share-Secured Loan** personal_secured_60mo | — APR | 6.450% | 60 mo | Standard | | **12-Month Unsecured Personal Loan** personal_unsecured_12mo | — APR | 9.490% | 12 mo | Standard | | **Personal Lines of Credit** ploc_variable | — APR | 13.250% | — | Standard | First U.s. Community Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Better Than FREE Checking** checking | — APY | 1.00% | — | Standard | | **Certificate** cd | — APY | 4.00% | — | Standard | | **Smart Start Savings** savings | — APY | 4.00% | — | Standard | First U.s. Community Credit Union savings & cd rates as of November 12, 2026 As of November 12, 2026, First U.s. Community Credit Union offers a 30-year fixed mortgage at 7.143% APR. HELOC rates from 15% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/first-us-community) , verified from [First U.s. Community Credit Union's official website](https://firstus.org/) Best product position **Better than the California median** 30-year fixed mortgage Gap to state best **61 bp** 61 bp from state best Vs. state median **2 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 | 7.14% | Better than the California median | 61 bp from state best | 2 bp better than median | | HELOC | 15.00% | Room to improve vs. the California median | 901 bp from state best | 800 bp behind median | | 15-year fixed mortgage | 6.86% | Room to improve vs. the California median | 69 bp from state best | 11 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim First U.s. Community 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=first-us-community&state=california&code=CA&name=First%20U.s.%20Community%20Credit%20Union) Loading branch locator… ## About First U.s. Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 27.6K Assets $554.2M Founded 1936 Locations reported 6 NCUA charter 68474 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 - First-time homebuyer program - Student scholarships 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. [**Sacramento** Arden Branch · Sacramento · CA · 95825 About 0.9 miles away](https://rateapi.dev/credit-unions/california/sacramento) [**Patelco** SACRAMENTO · Sacramento · CA · 95825 About 1.2 miles away](https://rateapi.dev/credit-unions/california/patelco) [**Schoolsfirst** Sacramento Operations Center · Sacramento · CA · 95815 About 1.6 miles away](https://rateapi.dev/credit-unions/california/schoolsfirst) [**Safe** El Camino · Sacramento · CA · 95821 About 2.0 miles away](https://rateapi.dev/credit-unions/california/safe) [**California Community** Main · Sacramento · CA · 95826 About 3.2 miles away](https://rateapi.dev/credit-unions/california/california-community) [**Self-Help** Sacramento · Sacramento · CA · 95820 About 5.1 miles away](https://rateapi.dev/credit-unions/north-carolina/self-help) 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 U.s. Community Credit Union Membership eligibility from First U.s. Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on First U.s. Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Federal government, SAFEWAY Verified from [First U.s. Community Credit Union's membership page](https://firstus.org/about) . Final membership determination is always made by the credit union. ## Membership rules for First U.s. Community Credit Union Employers 2 · Family 3 published paths to membership, last verified August 21, 2026, quoted from First U.s. Community Credit Union’s own published criteria. ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Federal government “Federal employees throughout the State of California” > [source ↗](https://firstus.org/about) - Employee of Federal government - Employee of SAFEWAY “SAFEWAY employees in Northern California and Northern Nevada are welcome to join.” > [source ↗](https://firstus.org/about) - Employee of SAFEWAY ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family, household members “Immediate family or household members of current First U.S. members are also eligible for a lifetime of benefits.” > [source ↗](https://firstus.org/about) - Family member (immediate family, household members) of a member 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 First U.s. Community Credit Union? Yes No ## Work at First U.s. Community 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 U.s. Community Credit Union ranks against California peers. - See which AI assistants fetched First U.s. Community 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-us-community&state=california&code=CA&name=First%20U.s.%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does First U.s. Community Credit Union offer? First U.s. Community Credit Union currently offers mortgage, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are First U.s. Community Credit Union rates updated? RateAPI verifies First U.s. Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get First U.s. Community Credit Union's rate data? Rate data is collected directly from First U.s. Community 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 U.s. Community Credit Union's mortgage rate? As of November 12, 2026, First U.s. Community Credit Union offers a 30-year fixed mortgage at 7.143% APR. ### What is First U.s. Community Credit Union's HELOC rate? As of November 12, 2026, First U.s. Community Credit Union offers home equity lines of credit from 15% APR. ### Who can join First U.s. Community Credit Union? First U.s. Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 2 employers for First U.s. Community Credit Union, each quoted from First U.s. Community Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare First U.s. Community 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 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) [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://firstus.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 U.s. Community 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 U.s. Community Credit Union curl "https://api.rateapi.dev/credit-unions/california /first-us-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## First U.s. Community 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/first-us-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp