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www.Bankrate.com
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www.locallender.info
Nonprofit financial institution that provides a range of consumer financial products.
www.adohrfcu.org
Membership is limited to employees of select employer groups (SEGs) and their immediate family members.
www.advantagefcu.com
The site offers members loan programs, savings programs, rates and terms, financial calculators, kids center and links.
www.affinitywestfcu.org
Nonprofit financial institution that provides a range of consumer financial products.
www.aftrasagfcu.com
Credit union with membership restricted to any employee or retiree of Albertsons Inc.
www.albertsonsempfcu.com
A cooperative financial institution serving over 44,000 members.
www.alliancefcu.org
Provider of competitive home loans, auto loans, home banking and other products and services.
www.amerfirst.org
Provider of home loans, checking, savings instruments and more.
www.avfcu.org
a full-service financial cooperative with over 176 million dollars in assets, 36,000 members, and five branch locations in Santa Cruz County.
www.bayfed.org
Provider of savings products, home banking, competitive savings rates, loan products and more.
www.bhcefcu.org
Serving union workers and their families with over 15,000 members and over $32 million in assets.
www.btfcu.org
A non-profit organization dedicated to serving the financial needs of its members.
burbankfcu.org
Employees of Selected Employee Groups, family members of those employees-- mothers and fathers, sisters and brothers, in-laws, children and grandchildren, and other family members may also join.
www.bvfcu.org
Full-service, financial institution, providing deposit accounts, consumer loans, mortgage loans and financial planning assistance.
www.cabrillocu.com
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.calstatela-fcu.org
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.cannonefcu.org
A full service, member-owned, cooperative financial institution.
www.cbcfcu.org
Membership is open to employees and retired employees of the Mt. Diablo Unified School District, city of Concord or the post office headquartered in Concord.
www.cdfcu.org
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.centcoastfcu.com
Serving grocery industry employees with 12,000 active members and $42 million in assets.
www.certifiedfcu.com
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.chaffey.com
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.chevronfcu.org
Membership is open to individuals who live, work or worship in Long Beach, Lakewood, Cerritos or Signal Hill, as well their family members.
www.coastlineccu.org
Membership is available to all permanent employees and retirees of the eligible companies, their wholly owned subsidiaries, and their spouses and family members.
www.commercefcu.net
Serving employees of Continental Airlines and its subsidiary group of companies.
www.continentalfcu.org
A non-profit cooperative serving more than 25,500 members with assets of $259,700,000.
www.contracostafcu.org
Serving Berkley with $53 million in assets and nearly 14,000 members.
www.coopfcu.org
Serving 40,000 members with more than $170 million in assets.
www.crfcu.org
Membership open to employees and their immediate family members of Computer Sciences Corp., its subsidiaries and Infonet Services.
www.cscefcu.com
A full service, not-for-profit financial institution serving the employees of Computer Sciences Corporation with over $52 million in assets.
www.cscefcu.org
Membership eligibility includes faculty, staff, students and their family members for all the public and private schools in Ventura County.
www.csfcu.org
Nonprofit financial institution that provides consumer financial products to members throughout central Contra Costa and their families.
www.diablovalleyfcu.org
A cooperative, not-for-profit, full service financial institution that is member-owned and controlled through a Board of Directors elected from and by the membership.
www.downeyfcu.org
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.ebtelfcu.org
Serving anyone who lives, works, or worships in the city of Placentia and their family members.
www.family1fcu.org
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.fenc.org
A cooperative, not-for-profit financial institution based in Sacramento.
www.ffcu.org
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.figfederal.com
A full-service financial institution serving more than 12,000 members with over $90 million in assets.
www.finfed.com
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.firstcalfcu.org
Serving the employees and their families from more than 600 entertainment industry companies with assets over $224 million.
www.firstent.org
Membership open to employees of select cities, people who live and work in Napa County as well as businesses and legal entities in the county.
www.firstnapafcu.org
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.fiscal.org
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.gasfcu.org
A non-profit, member-owned cooperative financial institution, serving Santa Clara County.
www.goldenbay.org
Provider of vehicle loans, real estate loans, personal loans, Visa cards, Visa checkCards, Goldie 24 hour teller, low cost share draft checking, atm access, direct deposit and payroll deduction, high yield savings, term share accounts and family...
www.goldenwestcities.org
Serving the employees and retired employees of the two Grossmont School Districts, Grossmont Union High School District and Grossmont-Cuyamaca Community College District.
www.gsfcu.org
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.hafcu.org
Nonprofit, cooperative financial institution that provides consumer financial products to members and their families.
www.hamiltonfcu.com
Serving employees and residents of the High Desert area.
www.hdfcu.org
Serving employees of the Sonoma County health care industry groups and members of their families and households.
www.hfcu.com
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.ifcu.org
Nonprofit cooperative financial institution that provides affordable and personal financial services to its members.
www.inlandvalleyfcu.com
Serving members of Writers Guild of America, West; Directors Guild of America; Producers Guild of America; International Photographers Guild Local 600; American Association of Producers; Motion Picture Editors Guild Local 776 ;and Scenic, Title,...
www.interguild.com
A not-for-profit financial cooperative with over $86 million in assets.
www.kaipermfcu.org
Membership available to employees of select employment groups. Family members of current members are also eligible for membership.
www.kernfcu.org
A full service financial institution with almost 100,000 members and more than $663 million in assets.
www.ksfcu.org
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.lafcu.org
Serving the employees of the Good Samaritan Hospital and St. Vincent Medical Center in Southern California.
www.lahfcu.org
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.laschoolsfcu.org
Serving the employees and family members of the Los Angeles Times, the Times Mirror Corporation, AchieveGlobal, StayWell Co., Times Community News, and Hollywood.com.
www.latfcu.com
Serving current, former and retired employees of the City of Long Beach, the City of Signal Hill, the Credit Union, the City Employees Association (CEA), and the Long Beach Police Officers' Association.
www.lbcefcu.org
Serving 78,000 members with over $485 million in assets.
www.lbsfcu.org
Provider of share accounts, checking accounts, loans and mortgages to credit union members and their families.
www.llfcu.org
Serving over 100,000 members with over $1 billion in assets.
www.lockheedfcu.org
Serving residents and employees within Marin County.
www.marincu.org
Serving over 12,000 members in the San Fernando Valley.
www.matadors.org
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.mcfed.org
Field of membership consists of school employees of Merced and Mariposa counties, employees of Central Valley Publishing, their family members, high school students and their parents, and Merced Community College students.
www.mercedschoolcu.org
Serving all active and retired military and their extended families.
miramarfcu.org
Membership open to employees of Metropolitan Water District of Southern California (MWD). Un-remarried spouses of persons who died while in the field of membership, Board of Directors of MWD, employees of MWDFCU, persons retired from MWD and mem...
www.mwdfcu.org
Democratically operated, non-profit financial cooperative run by and for its members. The Credit Union assists members and their families in meeting their financial needs by providing low cost loans, high dividends on savings, and a complete ran...
www.mwfcu.com
Credit Union membership is open to all persons receiving an NBC paycheck, or anyone who works on the NBC Burbank lot, as well as to members of their families and households. Membership is also available to select employee groups affiliated with ...
www.nbcefcu.org
Formed in 1953 to serve the employees and family members of Nestle - Carnation Company. Field of membership has been expanded to serve Select Employee Groups that are too small to create their own credit union.
www.newworldfcu.org
core field of membership consists of active or retired personnel in the U.S. Navy and civil service, assigned to or using services of a naval installation in San Diego County. Any employee or retiree of an approved sponsor group and their relati...
www.nifcu.org
Nonprofit financial institution that provides a range of consumer financial products.
www.nissanfcu.org
Any individual who lives or works in Inland North County in San Diego County is eligible for membership.
www.northcountry.org
Membership is open to those who live, work or worship in any city in Orange County, employed by the County of Orange, members of select associations, employees of select companies, and their family members.
www.ocfcu.org
The common bond for Members is education and state employment.
www.octfcu.org
Membership open to all employees and retirees of the Ontario-Montclair School District and their immediate family members.
www.omsefcu.org
Membership is open to Palo Alto city employees, the immediate family of current members or people who work in, or are residents of Palo Alto.
www.pacommunityfcu.com
Membership's open to employees of the Parsons Corporation and its wholly-owned subsidiaries, employees of this credit union, retirees and pensioners or annuitants from the above employment; and members of their immediate families or household.
www.parsonsfcu.org
Membership's open to cast members of the designated Disney-related divisions. Family members and retirees of these companies are eligible, too.
www.partnersfcu.org
Membership is available to employees, retirees and volunteers who belong to one of the select employee groups, anyone related by blood or marriage or living in the same household.
www.pfcu.org
Membership in the Southern California Division of the Polish American Congress is a prerequisite for opening an account with POLAM.
www.polam.org
Nonprofit cooperative financial institution that provides affordable and personal financial services to its members.
www.popafcu.org
Full-service, financial institution, providing deposit accounts, consumer loans, mortgage loans and financial planning assistance.
www.ralphsfcu.org
Profit sharing, member-owned financial institution dedicated to serving the balanced needs of borrowers and savers.
www.raychemcu.org
Financial services provider to eligible members and their immediate family members.
www.rcfcu.org
Provider of a range of financial products and services, from automotive loans to savings accounts.
www.rcsse.com
Membership is available to employees of the credit union's select list of companies.
www.safeamerica.com
A progressive cooperative financial institution, that provides its depositing and borrowing members with a variety of quality consumer financial services with a competitive edge while maintaining sound growth and earnings to assure its financial...
www.sanfranciscofcu.com
Serving Santa Barbara for over fifty years.
www.sbcreditunion.com
Provider of a variety of financial products and services.
www.sbsefcu.org
A full service financial institution serving Santa Clara County offering checking, savings, consumer loans, real estate loans, as well as a services such as car consultants, computer programs and financial planning.
www.sccfcu.org
Provider of auto loans, credit cards, ira(s), home loans and more.
www.scefcu.org
Membership is open to currently employed and compensated firefighters permanently assigned within the county of San Diego and includes retirees and members' immediate families.
www.sdffcu.org
Exists to provide exceptional service to its members, delivering competitive loan, deposit, and financial products designed to meet members' continually changing financial needs.
www.sdmfcu.org
Provider of high dividend rates on checking, and any of its savings products; lower interest rates on loans; lower service fees on checking accounts; and no points on various home loans.
www.seawest.org
A member owned financial institution, serving faculty, staff and students at Cal Poly University, Cuesta College, as well as employees of the public schools and many other employers in San Luis Obispo County.
www.sesloc.com
Nonprofit cooperative financial institution that provides personal financial services to its members.
www.sfcu.org
Member-owned financial institution that serves the financial services needs of the Stanford Community.
www.sfcu.org
Serve over 1400 members primarily in Arizona, Colorado, and Southern California.
www.shamrockfcu.org
Field of membership includes employees and family members of St. Helena Hospital and members of the Deer Park Elmshaven Church, as well as employees of local businesses.
www.silveradofcu.com
Financial service provider to members of sheet metal workers unions.
www.smw104fcu.org
Member-owned, financial institution serving telecommunication employees and their families as well as other select employee groups.
www.sovaltelfcu.org
Financial services provider to eligible members and their immediate family members.
www.spectrumfcu.org
Not-for-profit financial institution that offers members consumer financial products.
www.srifcu.com
Member-owned financial services provider to eligible members and their immediate family members.
www.steinbeckcu.com
Field of membership includes employees of Technicolor, employees of select employer groups and their immediate families.
www.technicolorfcu.org
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.torrancefcu.org
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.toyotafcu.org
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.umfcu.org
A not-for-profit co-operative, member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates. Funds are insured by the National Credit Union Share Insurance Fu...
www.unionpacificfcu.org
Membership is available to anyone who works for or retired from United PArcel Service (in the State of California and Clark County, Nevada) as well as their family.
www.upscreditunion.org
USA Federal Credit Union is a member owned, full service, financial cooperative, dedicated to improving members' financial well-being through competitive, convenient, personalized service.
www.usafedcu.org
Serves the employees and members of 240 affiliate companies and organizations located on or near the west coast of the United States, their family/household members and retirees.
www.usfirstfcu.org
Ventura County Federal Credit Union serves its members all over the county and beyond with full-service branches in Simi Valley, Thousand Oaks, Camarillo and Ventura.
www.vcfcu.org
To join Vista FCU, you must be a cast member or employee of The Walt Disney Company, a retiree or an immediate family or household member of one of the above.
www.vistafcu.org
Provides lifetime membership for employees of Vons Grocery, a wholly owned subsidiary of Safeway Inc., who work in California, Nevada or Arizona. Membership also available to spouses of members, their immediate families and households.
www.vonsefcu.org
Whittier Area Federal Credit Union has been serving the financial needs of educators in the greater Whittier community since 1954.
www.wafcu.org
Benefits include personalized member service, competitive loan rates, auto equity loans, share certificates, credit cards and more.
www.wcfcu.org
Membership in Western Federal Credit Union is limited to those employees of companies in Western's Field of Membership.
www.western.org
Membership open to employees of one of its sponsoring organizations.
www.whfcu.com
A current or retired employee of the Department of Water and Power or an approved select employee group is eligible to join Water and Power Federal Credit Union .
www.wpcu.org
A full-service financial institution serving members nationwide.
www.xfcu.org
Comprehensive, Objective And Free Credit Union Resource Online!
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Banks are good, but government credit unions in California can be better. A credit union is owned by its depositors, meaning you (the account holder) have a say in how to run the corporation. Each member of a credit union gets one vote at the annual election of the Board of Directors.
Credit unions are non-profit. This lets them operate at a lower cost than traditional banks. Credit unions pass savings to you in the form of higher savings account rates and lower loan interest rates. When choosing a California federal credit union, consider:
1. The advantages of a California state federal credit union over a traditional credit union
2. Eligibility requirements to join California federal credit unions
3. Major players among federal credit unions in California
Action Steps
The best contacts and resources to help you get it done
Learn about the advantages and disadvantages of government chartered credit unions in California
According to the National Credit Union Administration (NCUA), a governmental chartered credit union is a 'financial cooperative chartered by the federal government and owned by its members. Surplus income is returned to members in the form of dividends.' A federal credit union has more protections than other types of credit unions. Examples include more audits of financial records, mandatory reserves to offset uncollectible loans, control of investments of surpluses and annual investigations by the NCUA. The National Credit Union Share Insurance Fund (NCUSIF) bonds accounts in CA federal credit unions up to $100,000. The main disadvantage of a credit union is that membership is limited to groups of people with a common bond such as the same employer, association or area of residence.
I recommend: Visit the NCUA website (part of the government entity Pueblo). Learn how the NCUSIF protects your credit union monetary deposits.
Meet eligibility requirements to join a California federally chartered credit union
Visit a prospective credit union's website or call to find out the requirements for joining. Requirements vary wildly based on the credit union's federal charter. For example, the California Feminist Federal Credit Union is restricted to volunteers, staffers or contributors to various Women's Health Centers in California or charitable organizations sponsored by the Women's Coalition of San Diego County.
I recommend: See if you meet eligibility requirements for the California Feminist Federal Credit Union. You'll find the criteria and forms by clicking the "Easy to Join" link.
Compare and contrast the major players among federally chartered credit unions in CA
Here is a small listing of some other California federally chartered credit unions. The Antelope Valley Federal Credit Union allows employees and students of the Antelope Valley School District, local U.S. Postal Service employees and certain industry workers in the Antelope Valley Area to join. This organization offers a variety of loans (auto, home, personal, RV and credit cards), checking and savings accounts, savings bonds and online banking. The Burbank City Federal Credit Union is open to persons with jobs in Burbank; those who belong to the local public library and/or historical society; or those who work with certain employers. This credit union offers a variety of loans, certificates of deposit, IRAs and checking and saving accounts.
I recommend: Visit the National Credit Union Administration to search for federally chartered credit unions in California. See if you qualify to join the Antelope Valley Federal Credit Union or the Burbank City Federal Credit Union.
Tips & Tactics
Helpful advice for making the most of this Guide
- • Shop around. As a resident or business owner in the state of California, you may qualify to join more than one federally chartered credit union in California. Make sure to compare interest rates for loans and savings accounts to get the best deal for your needs.

