1st Northern California Credit Union

I've had accounts with 1st NorCal dating back 30 years to when it was still CCFCU. They've held my home mortgage, a couple car loans, CDs, as well as checking, savings and credit cards. They've always been great. Once when TJMaxx had a credit card breach, they informed me that I had used my credit card there (because don't I always?) and they canceled and re-issued my card proactively. The bad reviews I'm reading here all seem to be from folks who have brought their troubles on themselves. Once, I got pre-approval for an auto loan but went with Honda financing because it was slightly lower than the CU's advertised rate. Reggie actually called me back within a week to ask how my car shopping was going. When he heard that I had gone with Honda financing, he went a tenth of a per cent lower, which gave me reason to bring my auto loan back to the credit union. I now live out-of-state and still keep my primary accounts with 1stNorCal because electronic banking being what it is, I don't even notice that I don't have a brick and mortar location where I am. The only very slightly inconvenient practice I have to do now is that if I receive an actual paper check from someone, I have to put it in an envelope and mail it to the CU for them to process a deposit. Hasn't been an issue in 4 years, just a mail delay for a week or so. Even Docusign is easy now, if you need to process official paperwork. I came from Wells Fargo a looong time ago, and have stayed with the CU because they're so friendly, personal and professional. I've watched quite a few of the younger tellers move up and promote to more responsible positions within the CU as the years have gone by. Love to see the longterm employees, adds to the hometown feel. No, nobody paid me to write this. The moral of this story is: Take care of your banking business and they will take care of you!
Mar 30th, 2024

Horrible experience at this bank. Pathetic behavior from staff and Manager. Usually Manager resolve the issues but she was pouring oil on fire. People giving very low ratings that's perfect. Next week closing my account. Came here all the way from Hayward to pay car loan monthly payment. If Subaru has this bank for financing vehicles..I will not buy Subaru in future. #Subaru #Banking #Financing
Mar 13th, 2024

I cant believe how rude the loan people are at this place horrible customer service and just really rude. I called in because I was put on disability because I had broken my finger. Extremely worried about my next paycheck. I called to see if I could get a skip a payment on my car which I had done before, and the lady I spoke with was extremely rude from the beginning of the phone call and I asked if I could speak with her supervisor and she told me no she will first I just cant believe considering somebodys having hardship how rude somebody could be its not like I was asking anybody to pay my car payment or is asking not to pay the car payment I asked for skip a payment and it was just crazy how rude somebody could be
Oct 23rd, 2023

Aug 20th, 2023

I've been a member of the credit union for least 35 years I've always been really kind and helpful
May 9th, 2023