What is a Member?

First U.S. is a cooperative, not-for-profit financial institution. Our individual account holders are members of First U.S., and owners of our credit union.

Who can become a member?

Anyone who lives, works or worships in Sacramento, Placer, Nevada, El Dorado, Amador, Yuba, Yolo, Sutter, San Joaquin, Solano, Sierra, and Contra Costa counties is eligible for membership at First U.S. Also, Federal employees throughout the State of California, select employee groups, and SAFEWAY employees in Northern California and Northern Nevada are welcome to join.

Why First U.S.?

With a full line of savings options, loan solutions and decades of home financing experience, First U.S. has the products and services you need to achieve your goals. We make a difference by providing the same convenient access you expect from a large, regional bank, including:

• 30,000 ATMs nationwide
• 5,000+ branches
• Free Online Banking
• Free Bill Pay
• Free Mobile Banking, and eDeposits right from your mobile device
• And all day, every day access

• As a member-owner of First U.S., you gain access to a valuable lifetime benefit for you and your entire family. We have the products and services you need to make smart financial choices – and the tools you need for anytime, anywhere access.
• First U.S. is a cooperative, not-for-profit financial institution owned by and operated exclusively for our members.
• First U.S. provides a consumer-friendly alternative to financial service providers that focus on maximizing profits for stockholders.
• Our profits are returned to our member-owners in the form of better rates, lower fees and improved services.
• Our members are our owners – not just customers.

First U.S. and Your Funds are Safe and Secure

We want to assure you that your credit union and your funds remain safe and secure because of solid business decisions and the backing of the United States government.

First U.S. continues to have very low loan delinquencies and charge offs. Our focus on making quality loans to our members has helped us to keep loan delinquencies well below the national average. The percentage of our delinquent loans that have defaulted and have been charged off also remain well below the national average.

Your funds are insured by the United States government – up to at least $250,000 per account.

First U.S. does not and has not made sub-prime loans. We also do not invest in sub-prime loans, both of which are a source of recent stress on the banking system and financial markets. At First U.S., we have always placed our membership first, ensuring that the loans we make are the right loan for both our members and our membership at large.

Our capital position remains well above required levels. Even if we feel some strain as a result of falling home prices, First U.S. has a risk-based net worth that ranks us by our federal regulators as “well capitalized” – the highest ranking possible. We remain both strong and capable of continuing our almost 75th year history of success for our members and our community.