1st Northern California Credit Union
Headquarters
Po Box 509
Martinez, CA 94553
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2024 Overview
General Credit Union Information
1st Northern California is an NCUA insured institution located in Martinez, CA. It was founded in 1949 and has approximately $834 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68668 |
| Date Established | 1949 |
| Assets | $834.00 million |
| Loans | $347.31 million |
| Deposits | $684.99 million |
| Capital | $88.60 million |
Field of Membership Restrictions
Membership in 1st Nor Cal Credit Union is open to those who live, worship, work, or attend school in Contra Costa, Alameda, or Solano counties in California.
Deposit Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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|
|
Money Market
|
0.50% | $2,500 | $2,999 |
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|
|
Money Market
|
0.50% | $10,000 | $14,999 |
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|
|
Money Market
|
0.55% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.50% | $50,000 | $99,999 |
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|
| 12 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.55% | $50,000 | $99,999 |
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|
| 18 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.75% | $50,000 | $99,999 |
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|
| 24 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for 1st Northern California
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.380% | 6.250% | 0.88 | $4,400 | $1,971 | Learn More |
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.984% | 6.875% | 0.88 | $3,545 | $2,103 | Learn More |
NMLS ID: 3030 |
7.200% | 7.125% | 0.75 | $2,400 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to 1st Northern California
To upload and update your bank's rates please register.
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Branches
Below are 1st Northern California branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
1st Northern California Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 2061.28 | A | View Lobby Hours | |
| 2065.27 | B | View Lobby Hours | |
| 2077.90 | C | View Lobby Hours | |
| 2078.36 | D | View Lobby Hours | |
| 2079.70 | E | View Lobby Hours | |
| 2090.04 | F | View Lobby Hours |
Climate Policy and Initiatives
1ST NORTHERN CALIFORNIA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
1st Northern California Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of 1st Northern California. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| 1st Northern California | U.S. Average |
|---|---|
| 0.14% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, 1st Northern California had $128,271 in non-current loans and $0 in owned assets. To cover these potential losses it had $88,595,577 in net worth and $1,046,257 in loans loss reserves. That gives it a Texas Ratio of 0.14%.
Net Worth
| 1st Northern California | U.S. Average |
|---|---|
| 10.62% | 13.93% |
1st Northern California FCU has a net worth of 10.62% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for 1st Northern California
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