First U.S. – Official Site of Better Than FREE Checking

Local Roots. Expanded Possibilities.

First U.S. and Sierra Central Credit Union announce a plan to join forces to create an even stronger credit union.

Looking to buy a home?
We’ll cover the closing costs
up to $12,000

No-Fee Home Loan

Savor summer with the Platinum Preferred Visa® Credit Card

Pay no interest until 2027

Member owned and operated since 1936

Rates as of 09/28/2026
Home Equity Line	4.75% intro rate for 6 months (new HELOCs), then Prime + 0
View real estate loan rates

Rates as of 09/28/2026

APRs as low as 5.09%

90 day no-payment option

Finance up to 125% (new)
or 125% High KBB (used)

Rates as of 09/28/2026
Better Than FREE Checking	1.00% APY
Smart Start Savings	up to 4.00% APY
Certificate Special	3.75% APY
View all available savings rates