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1st Northern California Credit Union
1st Northern California Credit Union is a cooperative financial institution, helping its members achieve their financial goals since 1949. 1st Nor Cal Credit Union offers a wide variety of products and services, backed by its commitment to the credit union philosophy, â€œpeople helping peopleâ€ù. 1st Nor Cal Credit Union is a not-for-profit financial cooperative. Credit unions do not issue stock or pay dividends to outside stockholders, like most other financial institutions. Instead, earnings are returned to members in the form of lower loan rates, higher interest on deposits, and lower fees. 1st Nor Cal Credit Union exists to serve members, not to make a profit.