Virtual Branch


  • Home Equity Loan

    Home Equity Loan

    Introducing our exclusive Home Equity Loan promotion. Secure a fixed Annual Percentage Rate (APR) of 6.5% for the initial 12 months, ensuring stability and predictability in your monthly payments. With the ability to borrow up to 80% of your home's equity, ranging from a minimum of $20,000 to a maximum of $200,000. Enjoy the added benefit of no origination fees, application fees, or annual fees, providing you with transparent and cost-effective borrowing solutions. To qualify for this offer, homeowners must demonstrate ownership of a property in California with equity, furnish proof of income to ensure timely payments, and meet specific criteria related to credit score and property value. Seize this opportunity to leverage the equity in your home and achieve your financial goals with confidence.

  • Home Equity Line Of Credit

    Home Equity Line Of Credit

    Introducing our Home Equity Line of Credit (HELOC) tailored to meet your financial needs. Enjoy the security of a fixed Annual Percentage Rate (APR) of 7.5% for the initial 12 months, ensuring predictable payments and peace of mind. With no origination fees, application fees, or prepayment penalties, you can confidently access funds without worrying about additional costs. Experience the convenience of low monthly payments, designed to fit your budget effortlessly. Our HELOC offers a line of credit ranging from $20,000 to $200,000, providing you with the financial freedom to pursue your goals, whether it's home renovations, debt consolidation, or unexpected expenses. Take advantage of this opportunity to unlock the equity in your home and achieve your dreams with ease.

  • Credit Card
    Credit Card

    Visa® Credit Card 

    Our Visa® Classic Credit Card is a great tool to have in your wallet! It’s accepted at thousands of locations worldwide and not to mention all of the great perks that come along with it.

    • Low-Interest Rate
    • No Annual Fee
    • No Balance Transfer Fee
    • No-Cost Travel Accident insurance
    • 1% cash back on all purchases!
  • Refer a Friend
    Refer A Friend

    Refer a Friend!

    Share why you love Banking the Credit Union Way with your friends! Now, for every friend you refer who opens a checking account with us, we will give you $25 and your friend $25.

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  • Mobile Banking Promo
    Mobile Banking

    Take Us With You Anywhere

    With the First Cal FCU App, you have access to your credit union accounts 24/7. View balances, make transfers and so much more. Download the App today! 

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