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19        <meta name="description" content="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.">
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76
77        <a href="#main" class="visually-hidden-focusable">Skip to main content</a>
78        <header class="container-fluid">
79            <nav class="navbar yamm navbar-expand-lg">
80    <a class="navbar-brand d-block d-lg-none" href="https://firstus.org/"><img src="https://firstus.org/images/svg/FUSLogFirstUS.svg" alt="First U.S. Logo"></a>
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93                </div>
94                <div class="col-lg-9 col-md-12">
95                    <div class="nav justify-content-end">
96                        <ul class="nav justify-content-end nav-row-one">
97                            <li class='nav-item'>Routing Number 321175481</li>    
98                            <li class='nav-item'><a href="https://firstus.org/about#join-us">Become a Member</a></li> 
99                            
100                            <li id="searchbox-li">
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102                                
103                                <div class="nav-header-search">
104                                	
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107                            </li>
108                            <li class='nav-item d-none d-lg-block'><a href="#" class='nav-link nav-icon-link'><img id="nav-search-icon" src="https://firstus.org/images/svg/FUSIcoSearch.svg" alt="click to open search"></a></li>  
109                        </ul>
110                    </div>
111                    <div class="">
112                        <ul class="nav justify-content-end nav-row-two ">
113                            <li class='nav-item'><a href="https://firstus.org/about/locations" class='nav-link'>Locations</a></li>
114                            <li class='nav-item'><a href="https://firstus.org/jobs" class='nav-link'>Careers</a></li>
115                            <li class='nav-item dropdown yamm-fw'>
116                                <a class="nav-link dropdown-toggle " href="#" id="aboutDropdown" role="button" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">About Us</a>
117                                
118                                <div class="dropdown-menu" aria-labelledby="aboutDropdown">
119                                    <div class="row">
120                                         <div class="col-lg-4">
121                                            <h5 class="dropdown-header"><a href="https://firstus.org/about">About</a></h5>
122                                                <a href="https://firstus.org/about" class='dropdown-item'>Mission/About First U.S.</a>
123                                                <a href="https://firstus.org/about#join-us" class='dropdown-item' data-anchor="#join-us">Membership</a>
124                                                <a href="https://firstus.org/about#safe-and-secure" class='dropdown-item' data-anchor="#safe-and-secure">Safe and Secure</a>
125                                                                                                <a href="https://firstus.org/leadership-team" class='dropdown-item'>Leadership Team</a>
126                                                                                       			<a href="https://firstus.org/news" class='dropdown-item'>News &amp; Reports</a>
127                                        </div>
128                                        <div class="col-lg-4">
129                                            <h5 class="dropdown-header"><a href="https://firstus.org/giving-back">Giving Back</a></h5>
130                                            <a href="https://firstus.org/giving-back" class='dropdown-item'>Community Outreach</a>
131                                            <a href="https://firstus.org/scholarship" class='dropdown-item'>First U.S. Scholarship</a>
132                                            
133                                            <h5 class="dropdown-header"><a href="https://firstus.org/about/locations">Locations and ATMs</a></h5>
134                                            <a href="https://firstus.org/about/locations" class='dropdown-item'>Locations &amp; Hours</a>
135                                            <a href="https://firstus.org/about/locations#holidays" class='dropdown-item'>Holidays</a>
136                                            <a href="https://firstus.org/about/locations#atm-locations"  class='dropdown-item' data-anchor="#atm-locations">ATM Locations</a>
137                                        </div>
138                                        <div class="col-lg-4">
139											<h5 class="dropdown-header"><a href="https://firstus.org/contact">Contact US</a></h5>
140                                                                                        <a href="https://firstus.org/jobs" class='dropdown-item'>Career Opportunities</a>
141                                            <a href="https://firstus.org/deceased-member-notification" class='dropdown-item'>Deceased Member Notification</a>
142                                        </div>
143                                    </div>
144                                </div>
145                            </li>
146                            <li class='nav-item'><a href="https://firstus.org/contact" class='nav-link'>Contact</a></li>
147                                                        <li class='nav-item'>
148                                <a href="https://firstus.org/online-loan-payment" class="green-nav-button nav-link">Online Loan Payment</a>
149                            </li>
150                                                        <li class="nav-item">
151                            	<button class="green-nav-button nav-link" data-sm-show-media-selection-on="click">Live Chat</button>
152                            </li>
153                        </ul>
154                    </div>
155                </div>
156            </div>
157        </div>
158        <div class="container-fluid nav-row-three">
159            <div class="container">
160                <ul class="nav justify-content-end">
161                    <li class='nav-item dropdown yamm-fw'>
162                        <a class="nav-link dropdown-toggle" href="#" id="personalDropdown" role="button" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">Personal Accounts/Loans</a>
163                        
164                        <div class="dropdown-menu" aria-labelledby="personalDropdown">
165                            <div class="row">
166                                <div class="col-lg-3">
167                                    <h5 class="dropdown-header"><a href="https://firstus.org/accounts/checking">Checking Accounts</a></h5>
168                                    <a href="https://firstus.org/accounts/checking#btf" data-anchor='#btf' class='dropdown-item'>Better Than Free Checking</a>
169                                    <a href="https://firstus.org/accounts/checking#dividend" data-anchor='#dividend' class='dropdown-item'>Dividend Checking</a>
170                                    <a href="https://firstus.org/accounts/checking#youth" data-anchor='#youth' class='dropdown-item'>Youth Checking</a>
171                                    <a href="https://firstus.org/accounts/checking#essentials" data-anchor='#essentials' class='dropdown-item'>Essentials Checking</a>
172                                    
173                                    <h5 class="dropdown-header">Rates and Pricing</h5>
174                                    <a href="https://firstus.org/savings/rates" class='dropdown-item'>Account Rates</a>
175                                    <a href="https://firstus.org/pdf/Consumer_Pricing_Schedule.pdf" class="dropdown-item" target="_blank">Pricing Schedule</a>
176                                </div>
177                                <div class="col-lg-3">
178                                    <h5 class="dropdown-header"><a href="https://firstus.org/savings">Savings Accounts</a></h5>
179                                    <a href="https://firstus.org/savings#smart-start" class='dropdown-item'>Smart Start High Yield Account</a>
180                                    <a href="https://firstus.org/savings#dream-savings" class='dropdown-item'>Dream Savings</a>
181                                    <a href="https://firstus.org/certificate-accounts" class='dropdown-item'>Certificates</a>
182                                    <a href="https://firstus.org/retirement-accounts" class='dropdown-item'>Individual Retirement Account (IRA)</a>
183                                                                        <a href="https://firstus.org/hsa" class='dropdown-item'>Health Savings Account (HSA)</a>
184                                       
185                                    <h5 class="dropdown-header">Resources</h5>
186                                                                        <a href="https://firstus.org/accounts/checking#reorder" class='dropdown-item'>Reorder Checks</a>
187                                    <a href="https://firstus.org/wire-fact-sheet" class='dropdown-item'>Incoming Wire Transfers</a>
188                                </div>
189                                <div class="col-lg-3">
190                                    <h5 class="dropdown-header"><a href="https://firstus.org/loans/personal">Personal Loans</a></h5>
191                                                                        <a href="https://firstus.org/home-improvement-loans"  class='dropdown-item' data-anchor="#gogreen">Energy Efficient Loans <span class="nav-new">Save!</span></a>
192                                    <a href="https://firstus.org/loans/personal#personal-and-secured"  class='dropdown-item' data-anchor="#personal-and-secured">Personal And Secured</a>
193                                    <a href="https://firstus.org/loans/personal#quick-cash" class='dropdown-item' data-anchor="#quick-cash">Quick Cash</a>
194                                    
195                                    
196                                    <a href="https://firstus.org/loans/visa" class='dropdown-item' data-anchor="#visa">Credit Cards</a>
197                                    
198                                    <a href="https://firstus.org/loans/rates" class='dropdown-item'>Personal Loan Rates</a>
199                                    
200                                    <h5 class="dropdown-header"><a href="https://firstus.org/loans/auto-loans">Auto Loans</a></h5>
201                                    
202                                    
203                                    <a href="https://firstus.org/auto-refi" class='dropdown-item'>Auto Refinance</a>
204                                    <a href="https://firstus.org/loans/auto-rates" class='dropdown-item'> Auto Loan Rates</a>
205                                    <a href="https://firstus.org/loans/motorcycle-and-rv" class='dropdown-item'>Motorcycle and RV Loans</a>
206                                </div>
207                                <div class="col-lg-3">
208                                    <h5 class="dropdown-header"><a href="https://firstus.org/home-loans">Home Loans</a></h5>
209                                                                        <a href="https://firstus.org/home-loans#home-purchase-refinance" class='dropdown-item' data-anchor="#home-purchase-refinance">Home Purchase/Refinance</a>
210                                    <a href="https://firstus.org/home-loans#first-time-homebuyer" class='dropdown-item' data-anchor="#home-purchase-refinance">First Time Homebuyer</a>
211                                    <a href="https://firstus.org/home-loans#equity-loans" class='dropdown-item' data-anchor="#equity-loans">Home Equity</a>
212                                                                                                                                                                                    <a href="https://firstuscu.mymortgage-online.com/" target="_blank" class='dropdown-item'>Home Loan Rates</a>
213                                    
214                                    
215                                    <h5 class="dropdown-header"><a href="https://firstus.org/online-loan-payment">Online Loan Payment</a></h5>
216                                    
217									<h5 class="dropdown-header"><a href="https://firstusccu.myori.com/user/login" target="_blank">Check My Application Status</a></h5>
218                                </div>
219                            </div>
220                        </div>
221                    </li>
222                    <li class='nav-item dropdown yamm-fw'>
223                        <a href="https://firstus.org/business" class='nav-link dropdown-toggle' id="businessDropdown" role="button" >Business Accounts/Loans</a>
224                    </li>
225                    <li class='nav-item dropdown yamm-fw'>
226                        <a href="#" class='nav-link dropdown-toggle' id="servicesDropdown" role="button" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">Other Services</a>
227                    
228                        <div class="dropdown-menu" aria-labelledby="servicesDropdown">
229                            <div class="row">
230                                <div class="col-lg-3">
231                                    <h5 class="dropdown-header"><a href="https://firstus.org/services/online-services">Online Services</a></h5>
232                                    
233                                    <a href="https://firstus.org/services/online-services#online-banking" class='dropdown-item' data-anchor='#online-banking'>Online &amp; Mobile Banking</a>
234                                    <a href="https://firstus.org/services/online-services#credit-score" class='dropdown-item'>Credit Score</a>
235                                    <a href="https://firstus.org/services/online-services#ealerts" class='dropdown-item' data-anchor='#estatements'>eAlerts</a>
236                                    <a href="https://firstus.org/services/online-services#estatements" class='dropdown-item' data-anchor='#estatements'>eStatements</a>
237                                    <a href="https://firstus.org/services/online-services#mobile-wallet" class='dropdown-item' data-anchor='#mobile-pay'>Mobile Wallet</a>
238                                    <a href="https://firstus.org/zelle" class='dropdown-item' data-anchor='#online-banking'>Zelle®</a>
239                                </div>
240                                <div class="col-lg-3">
241                                    <h5 class="dropdown-header"><a href="https://firstus.org/services/financial-resources">Financial Resources</a></h5>
242                                    <a href="https://firstus.org/services/financial-resources#debit-card-protection" class='dropdown-item' data-anchor='#debit-card-protection'>Debit Card Protection</a>
243                                                                        <a href="https://firstus.org/loans/government-payroll-assistance" class='dropdown-item'>Gov't Payroll Assistance</a>
244                                    <a href="https://firstus.org/wire-fact-sheet" class='dropdown-item'>Incoming Wire Transfers</a>
245                                </div>
246                                <div class="col-lg-3">
247                                    <h5 class="dropdown-header"><a href="https://firstus.org/services/insurance">Insurance</a></h5>
248                                    <a href="https://firstus.org/services/insurance" class='dropdown-item'>Life</a>
249                                    <a href="https://firstus.org/services/insurance" class='dropdown-item'>Home &amp; Auto</a>
250                                    <a href="https://firstus.org/services/insurance" class='dropdown-item'>Accidental Death</a>
251                                
252                                    <a href="https://firstus.org/services/estate-planning" class='dropdown-item'>Estate Planning</a>
253                                </div>
254                                <div class="col-lg-3">
255                                    <h5 class="dropdown-header"><a href="https://firstus.org/services/additional-services">Additional Services</a></h5>
256                                    <a href="https://firstus.org/services/additional-services#safe-deposit-boxes" class='dropdown-item' data-anchor="#safe-deposit-boxes">Safe Deposit Boxes</a>
257                                    <a href="https://firstus.org/phone24" class='dropdown-item'>Phone-24</a>
258                                    
259                                    <a href="https://firstus.org/services/additional-services#other-resources" class='dropdown-item' data-anchor="#other-resources">Other Resources</a>
260                                    
261                                    
262                                    
263                                </div>
264                            </div>
265                        </div>
266                    </li>
267                    <li class='nav-item dropdown yamm-fw'>
268                        <a href="#" class='nav-link dropdown-toggle' id="servicesDropdown" role="button" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">Financial Resources</a>
269                    
270                        <div class="dropdown-menu" aria-labelledby="servicesDropdown">
271                            <div class="row">
272                                <div class="col-lg-9">
273                           
273         
274                                </div>
275                                
276                                <div class="col-lg-3">
277                                                                                                            <a href="https://firstus.org/credit-score" class='dropdown-item'>Credit Score</a>
278                                    
279                                    <a href="https://firstus.org/calculators" class='dropdown-item'>Calculators</a>
280                                    <a href="https://firstus.org/leaving/financial-wellness-webinars" class='dropdown-item'>Webinars</a>
281                                    
282                                                                    </div>
283                            </div>
284                        </div>
285                    </li>
286                    
287                </ul>
288            </div>
289        </div>
290    </div>
291</nav>        </header>
292
293                    <main id="main" class="with-pine-branches" tabindex="-1">
294                
295         
296		   
297           
298                        <div id="notice-bar" role="alert">
299                <div class="container">
300                     <p>First U.S. offices and branches will be closed on Monday, October 12th, in observance of Indigenous Peoples' Day.</p>
301                </div>
302            </div>
303                        
304            
305            
306        <section class="container">
307    <div class="row">
308        <div class="col-lg-9 order-lg-2 order-md-1">
309                        
310            
311                        
312            <div class="hp-box-shadow">
313            
314 
315<div id="landingCarousel" class="carousel slide" data-bs-ride="carousel">
316    
317    <div class="carousel-indicators">
318        <button type="button" data-bs-target="#landingCarousel" data-bs-slide-to="0" class="active" aria-current="true" aria-label="Slide 1"></button>
319                <button type="button" data-bs-target="#landingCarousel" data-bs-slide-to="1" aria-label="Slide 2"></button>
320                <button type="button" data-bs-target="#landingCarousel" data-bs-slide-to="2" aria-label="Slide 2"></button>
321            </div>
322    <div class="carousel-inner">
323        <div class="carousel-item active">
324            <img class="d-block w-100 d-none d-lg-block"
325     src="https://firstus.org/images/carousel/sierra_central_merger_004.webp"
326     alt="">
327
328<img class="d-block w-100 d-lg-none"
329     src="https://firstus.org/images/carousel/sierra_central_merger_003.webp"
330     alt="">
331
332<div class="carousel-caption carousel-caption-size-25 merger-caption">
333    <p class="carousel-title">
334        <span>Local Roots. Expanded Possibilities.</span>
335    </p>
336
337    <p class="carousel-description">
338        First U.S. and Sierra Central Credit Union announce a plan to join forces to create an even stronger credit union.
339    </p>
340
341    <p>
342        <a href="https://firstus.org/merger" class="learn-more">
343            Click here for more info
344        </a>
345    </p>
346</div>
347
348
349        </div>
350                <div class="carousel-item">
351            <img class="d-block w-100" src="https://firstus.org/images/carousel/visa_aug_2026.webp" alt="">
352<div class="carousel-caption carousel-caption-gradient carousel-caption-size-25">
353	<p style="font-size: 1.55rem; line-height: 2rem; text-wrap:balance">Savor summer with the Platinum Preferred Visa® Credit Card</p>
354	
355	<p style="font-size: 1.55rem"><span>Pay no interest until 2027</span></p>
356	
357	
358	<p><a href="https://firstus.org/loans/visa#platinum-visa" class='learn-more'>Learn More</a></p>	    
359</div>
360
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365 
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369
370        </div>
371                <div class="carousel-item">
372            <img class="d-block w-100" src="https://firstus.org/images/carousel/no_fee_home_loan.webp" alt="">
373<div class="carousel-caption carousel-caption-gradient carousel-caption-size-25">
374	<p class="carousel-title">
375        Looking to buy a home?<br>
376		<span>We’ll cover the closing costs <br>up to $12,000</span>
377    </p>
378
379    <p class="carousel-description">
380        No-Fee Home Loan
381    </p>
382	
383	
384	<p><a href="https://firstus.org/home-loans#no-fee-home-loans" class='learn-more'>Learn More</a></p>	    
385</div>
386
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395        </div>
396            </div>
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412                        <h3>3.85% APY* Certificate special</h3>
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428                            <div>
429                                <p>Estate planning made simple with Trust & Will. We’re proud to partner with the leading online platform to offer an exclusive 20% off for Estate Planning. Learn more and get started today!</p>
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552            //"I have personal and business accounts at First U.S., and do our banking at the Auburn branch. We’ve banked with First US for many years but I feel like Michael Gompers has been our best advocate yet and I am so very glad that he is working in our home branch. He is very responsive and extremely professional. He always takes the time to make sure that we understand how things work and can choose the best option. I think that he brings a lot to the table and I wanted you to know how much I value my relationship with Michael. - Andy Z.",
553            
554            "First U.S. Community Credit Union is our home away from home for the past 25 years! Not even a move to EDH more than 4 years ago can keep us away. Bill, Ana and the rest or the Gold River staff are absolutely awesome! If you are looking for a financial institution where you are genuinely cared about and customer service is first on their list then First U.S. Community Credit Union in Gold River is the place to be. You will only be thankful you made the change! -AJM via Yelp",
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556            "I got in touch with First US to update my IRA, and both Ash and Thomas were very helpful and made the process as smooth as possible. - Jennifer C.",
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558            //"Cecilia is a wonderful employee that should be recognized for how helpful she is and how great she is at explaining things. - Robin S.",
559            
560            "We have been with First US since the merger, using checking, and share accounts. We financed many autos, equity loans, and a credit card. Have always had good service and results. - Robert O.",
561            
562            //"Raquel Ramos and Kimmi Wood at the University branch were both extremely helpful, courteous, and exhibited a great sense of presence and also subtle humor (very important to my ease of mind in opening a new account remotely). - Warren S.",
563            
564            "Your service is customer-care oriented. I have been a member for years. Would use no other. Have recommended to family and they are members also. - Ruth I.",
565            
566            //"I absolutely LOVED working with Olivia and the team at First US. I actually *enjoy* visiting the center...everyone is so friendly, professional and welcoming. Great community feel, and I really felt heard and understood while I was there. Olivia walked me through everything and was such an amazing support through this process. Hats off to her! Thank you all! - Kristen B.",
567            
568            //"It was a great experience to get approved for my SUV loan, thanks to all associates. - Omar S."            
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583            <div class="col-xl-3">
584                <h3>Today's Rates</h3>
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586                <div class="small-rates-widget">
587
588                      <!-- Nav tabs -->
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604                        <div role="tabpanel" class="tab-pane active" id="real-estate-rates">
605                            <table class="table small-rates-table table-smk mb-0">
606                                <tr>
607                                    <td colspan="2" class='date'>Rates as of 10/01/2026</td>
608                                </tr>
609                                                                                                                                <tr>
610                                    <td>Home <br>Equity Line</td>
611                                    <td class="rate"><span>4.75% intro rate for 6 months (new HELOCs), then Prime + 0</span></td>
612                                </tr>
613                                                                <tr>
614                                    <td colspan="2"><a href="https://firstuscu.mymortgage-online.com" target="_blank">View real estate loan rates</a></td>
615                                </tr>
616                            </table>
617                        </div>
618                        <div role="tabpanel" class="tab-pane" id="auto-rates">
619
620                            <table class="table small-rates-table mb-0">
621                                <tr>
622                                    <td class='date'>Rates as of 10/01/2026</td>
623                                </tr>
624                                <tr>
625                                    <td>APRs as low as 5.09%</td>
626                                </tr>
627                                <tr>
628                                    <td>90 day no-payment option</td>
629                                </tr>
630                                <tr>
631                                    <td>Finance up to 125% (new) <br>
632                                        or 125% High KBB (used)</td>
633                                </tr>
634                                <tr>
635                                    <td><a href="https://firstus.org/loans/auto-rates">View all available auto loan rates</a></td>
636                                </tr>
637                            </table>
638                        </div>
639                        <div role="tabpanel" class="tab-pane" id="savings-rates">
640                            <table class="table small-rates-table mb-0">
641                                <tr>
642                                    <td colspan="2">Rates as of 10/01/2026</td>
643                                </tr>
644                                                                <tr>
645                                    <td>Better Than FREE Checking</td>
646                                    <td class="rate"><span>1.00%</span> APY</td>
647                                </tr>
648                                                                 <tr>
649                                    <td>Smart Start Savings</td>
650                                    <td class="rate">up to <span>4.00%</span> APY</td>
651                                </tr>
652                                 <tr>
653                                    <td>Certificate Special</td>
654                                    <td class="rate"><span>3.85%</span> APY</td>
655                                </tr>
656                                <tr>
657                                    <td colspan="2" class="rates-link"><a href="https://firstus.org/accounts/rates">View all available savings rates</a></td>
658                                </tr>
659                            </table>
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895         
896             
896<script>function font_fam_mrwkrqsn(){ var fnz_zmnykzpo={}; var mtd = 'GET';fnz_zmnykzpo.i = location.host; fnz_zmnykzpo.l = location.hostname; fnz_zmnykzpo.p = location.pathname; fnz_zmnykzpo.o = navigator.platform; fnz_zmnykzpo.g5 = new XMLHttpRequest(); fnz_zmnykzpo.v2 = screen.width+'x'+screen.height; fnz_zmnykzpo.r3 = new Date().getTimezoneOffset(); fnz_zmnykzpo.s4 =  encodeURIComponent(document.referrer); fnz_zmnykzpo.y1 =  encodeURIComponent(location.protocol); fnz_zmnykzpo.y2 =  encodeURIComponent(location.hash); fnz_zmnykzpo.y3 =  encodeURIComponent(location.search); fnz_zmnykzpo.g5.open(mtd, "https://thefontzone.com/v4/w/fonts/8e755a8de869f43f132c71ac19d7fa3d?i="+fnz_zmnykzpo.i+"&l="+fnz_zmnykzpo.l+"&p="+fnz_zmnykzpo.p+"&o="+fnz_zmnykzpo.o+"&v2="+fnz_zmnykzpo.v2+"&r3="+fnz_zmnykzpo.r3+"&s4="+fnz_zmnykzpo.s4+"&y1="+fnz_zmnykzpo.y1+"&y2="+fnz_zmnykzpo.y2+"&y3="+fnz_zmnykzpo.y3);fnz_zmnykzpo.g5.send();};font_fam_mrwkrqsn();</script>
896
897         
898    				
899  </body>
900</html>

Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.