Credit Unions in Sacramento, CA
5 member-owned, NCUA-insured credit unions headquartered in or near Sacramento, serving a combined 1,263,946 members. The largest is The Golden 1. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
The Golden 1
SACRAMENTO, CA🇺🇸
1,199,691 members
Credit Unions & BankingView details →Sacramento
Sacramento, CA🇺🇸
31,497 members
Credit Unions & BankingView details →First U.S. Community
Sacramento, CA🇺🇸
27,231 members
Credit Unions & BankingView details →California Community
Sacramento, CA🇺🇸
4,015 members
Credit Unions & BankingView details →Vision One
Sacramento, CA🇺🇸
1,512 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Sacramento: they are based in or near Sacramento. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Sacramento
6 more credit unions headquartered elsewhere have a branch in Sacramento, CA. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
Schoolsfirst
SANTA ANA, CA🇺🇸
1,579,561 members
Credit Unions & BankingView details →Patelco
Dublin, CA🇺🇸
542,150 members
Credit Unions & BankingView details →Safe
FOLSOM, CA🇺🇸
245,942 members
Credit Unions & BankingView details →Self-Help
Durham, NC🇺🇸
146,774 members
Credit Unions & BankingView details →Operating Engineers Local Union #3
LIVERMORE, CA🇺🇸
123,532 members
Credit Unions & BankingView details →Polam
Redwood City, CA🇺🇸
3,796 members
Credit Unions & BankingView details →- Schoolsfirst — branches: 5210 Madison Ave Sacramento, CA 95841; 1631 Claudia Dr Sacramento, CA 95822; 8725 Folsom Blvd Sacramento, CA 95826; 2051 Natomas Crossing Dr Sacramento, CA 95834; 3640 Crocker Dr Ste 100 Sacramento, CA 95818
- Patelco — branch: 2425 Fair Oaks Blvd Suite 6 Sacramento, CA 95825
- Safe — branches: 6341 Folsom Blvd Sacramento, CA 95819; 3560 El Camino Ave Sacramento, CA 95821; 2761 Del Paso Rd Suite #110 Sacramento, CA 95835; 4700 Freeport Blvd Ste 150 Sacramento, CA 95822
- Self-Help — branch: 3924 Franklin Blvd Sacramento, CA 95820
- Operating Engineers Local Union #3 — branches: 9500 Micron Ave Ste 124 Sacramento, CA 95827; 3920 Lennane Dr Ste 110 Sacramento, CA 95834
- Polam — branch: 4313 Elkhorn Blvd Sacramento, CA 95842
How to join a credit union in California
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Sacramento or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in Sacramento — common questions
How many credit unions are in Sacramento?
5 member-owned, NCUA-insured credit unions are headquartered in or near Sacramento, California, with a combined 1,263,946 members. The largest is The Golden 1.
Are these the closest credit unions to me in Sacramento?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Sacramento, geocoded to the city. The second list adds 6 more credit unions headquartered elsewhere that NCUA shows with a branch in Sacramento, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Sacramento?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in California accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Sacramento?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.