October 2026 Quarterly Newsletter
Buying a Home?
Skip the Closing Costs!
We know that buying a home comes with lots of extra expenses. For a limited time, we’re offering No-Fee Home Loans. We’ll cover eligible closing costs on qualifying home purchases.* Use your extra cash for moving expenses, new appliances, or furnishings to make your house feel like home.
- Up to $12,000 in eligible closing costs*
- Free prequalification
- Competitive rates
- Loan amounts up to $1.6 million
- Fixed-rate, adjustablerate, and jumbo loan options available
- Available for primary and second homes
Ready to apply? Click here!
*Offer valid August 1, 2026, through December 31, 2026. Available on qualifying purchase first mortgage loans only. First U.S. will pay eligible non-recurring closing costs up to $7,500 for conforming loans or up to $12,000 for jumbo loans, or the actual amount charged by service providers, whichever is less. Eligible closing costs include lender’s title insurance, title services, appraisal, tax service, credit report, flood certification, and recording fees. Excludes prepaid interest, discount points or rate buydowns, homeowners insurance, initial escrow deposits, and owner’s title insurance. Down payment funds may not be gifted. If the loan is paid in full within 36 months of closing, a prorated portion of the closing cost credit will be due at payoff. Offer is not available for refinances, firstlien home equity loans or lines of credit, or loans participating in the Rate Adjustment Program within the first 36 months. Other restrictions may apply
New Branch Coming Soon!
We’re excited to announce that a new First U.S. branch is coming to Rancho Cordova, with an anticipated opening in early 2027! This new location is part of our continued commitment to serving members across the Sacramento region. Stay tuned for more updates as we get closer to opening day!
Election for First U.S. 2027 Volunteers
First U.S. is pleased to announce the 2027 annual election of volunteers for the Board of Directors. At present, there are three members of the Board of Directors scheduled for re-election. If you would like to be considered as a candidate, please send a brief resume to:
NOMINATING COMMITTEE
First U.S. Community Credit Union
580 University Avenue
Sacramento, CA 95825
Persons wishing to use the petition procedure without applying to the Nominating Committee must file their petitions for nomination with the Secretary of the Credit Union. Petitions for nomination must contain the signatures of at least 1% of the total credit union membership and be accompanied by a certificate from the nominee stating that they accept the nomination and agree to serve.
If there are no other nominees, Nancy Lee, Stephen Serfozo, and Dennis Cook are expected to be re-elected to the Board of Directors for a three-year term by acclamation at the Annual Meeting in February 2027.
Nominations must be submitted by the Nominating Committee or by petition on or before December 1, 2026. Election results will be announced at the Annual Meeting on February 26, 2027, at 5:00 p.m. For more information, call (800) 556-6768, ext. 5667.
New Card and ACH Dispute Platform Now Available
We’re excited to announce the launch of our new Card and ACH Dispute Platform, designed to make submitting and managing transaction disputes easier and more efficient. This enhanced platform streamlines the dispute process by simplifying submissions and creating a more seamless experience. Members can conveniently submit disputes digitally 24/7 through Online or Mobile Banking.
How to File a Dispute
To begin: Log in to Online or Mobile Banking, then select Accounts → File a Dispute from the navigation menu.
- Step 1: Confirm Your Information
- Step 2: Select Your Transaction(s)
- Step 3: Complete the Dispute Questionnaire
- Step 4: Upload Supporting Documents
We’re confident this enhancement will create a smoother, more intuitive dispute experience. Questions? We’re here to help. Contact us at (800) 556-6768 or select “Chat Live” at firstus.org to connect with a member of our team.
Helping You Make Your Money Go Further
We know that life can bring unexpected challenges and expenses. When situations arise that require you to stretch your budget, First U.S. is here to help. Whether you’re looking to consolidate debt, access emergency funds, or find ways to make the most of every dollar, our team is committed to guiding you through financial ups and downs with confidence.
Here are a few ways we can help:
Trust & Will
Members Save 30% - This Month Only
Save on Any Estate Plan - October 1 - 31, 2026
Trust & Will is offering a limited time 30% discount on the initial purchase of estate plans specifically for First U.S. Community Credit Union members. No promo code required; the 30% discount is automatically applied at checkout to the initial purchase of a Will or Trust-based estate plan. Subsequent upgrades aren’t eligible for discount. This limited time offer begins on October 1, 2026 at 12 a.m. PST and ends on October 31, 2026 at 11:59:59 p.m. PST. Offer valid only on an initial purchase of an estate plan, and does not apply to shipping, taxes, Attorney Support or estate settlement offerings.
MEMBER EXCLUSIVE:
First U.S. is excited to bring our members bigger savings of 30% off any estate plan with Trust & Will through the Love My Credit Union Rewards Program.
Trust & Will is the leading online estate planning platform offering our members:
- Easy to use online guided platform.
- Legally binding documents created by attorneys and customized by you.
- Wills start at just $139 and Trusts start at $349 with the 30% limited time offer.