Business Details
50+ Years
experience
Your Trusted Financial Partner in Sacramento
California Community Credit Union (CACCU) has been dedicated to empowering members through personalized financial solutions since 1939. As a not-for-profit, member-owned institution, we prioritize community needs by offering competitive rates, low fees, and comprehensive services including loans, savings programs, and financial planning. Our commitment to trust and connection ensures members receive honest, reliable service while benefiting from $500,000 insurance coverage through NCUA and ASI.With eligibility extending to residents of Sacramento, Placer, and Stanislaus counties, we foster financial well-being through accessible, member-centric banking. Our experienced team and 24/7 digital tools, including mobile banking and a Personal Electronic Teller (PET), reflect our dedication to innovation and convenience. By focusing on long-term relationships over profit, we help members achieve financial goals while maintaining transparency and ethical standards.
Services
Auto Loans
Mortgage Loans
Personal Loans
Credit Cards
Wealth Management
Online Banking
RV/Boat Financing
Home Equity Loans
Savings Accounts
Financial Planning
Details
- Year established: 1939
Highlights and features
- We offer 85+ years of community-focused financial expertise.
- Our member-owned structure ensures competitive rates and low fees.
- We provide $500,000 deposit insurance through NCUA and ASI.
- Our 24/7 digital tools include mobile banking and a Personal Electronic Teller.
- We prioritize personalized service over profit-driven banking practices.
Associations and certifications
- NCUA
- American Share Insurance (ASI)
What people say
Competitive loan rates
Friendly staff
Excellent customer service
Strong community focus
Reliable financial partner
Services
Auto Loans
Finance new or used vehicles with competitive rates starting at 4.69% APR. Terms up to 72 months with 10% down payment required. Pre-approval available to streamline your car-buying process.
Home Equity Loans
Access your home's equity with rates starting at 4.99% APR. Flexible terms for home improvements, debt consolidation, or major expenses while maintaining homeownership benefits.
Personal Loans
Flexible borrowing options with rates starting at 8.95% APR. Use funds for debt consolidation, emergencies, or life events without requiring collateral.
Wealth Management
Personalized investment strategies and retirement planning led by certified advisors. Access managed portfolios, ETFs, and cash management tools through a secure online dashboard.
Online Banking
24/7 account access for balance checks, transfers, bill payments, and transaction history. Mobile app features include mobile deposits, card controls, and real-time alerts.
Questions
Who is eligible to join California Community Credit Union?
Residents, workers, or worshippers in Sacramento, Placer, or Stanislaus counties, plus family members of existing members.
What loan options are available for first-time car buyers?
Financing up to $20,000 with terms up to 72 months and 10% down payment required for new/used vehicles.
How does CACCU's insurance coverage work?
Deposits are insured up to $500,000 through NCUA ($250,000) and ASI ($250,000) coverage.
What digital banking tools does CACCU offer?
24/7 online banking, mobile app with mobile deposits, PET phone system, and loan calculators.
How can I avoid foreclosure with CACCU?
Contact mortgage department for refinancing, loan modification, or debt consolidation options with required financial documentation.
