1st Nor Cal Credit Union is a cooperative financial institution, helping our members achieve their financial goals since 1949. We offer a wide variety of products and services, backed by our commitment to the credit union philosophy, "people helping people". We serve over 30,000 members with branch locations in Martinez, Richmond, Benicia, Pittsburg, Brentwood and Crockett. Those eligible for membership at 1st Nor Cal Credit Union include any and all persons who live, regularly work, currently attend school, or currently worship in Contra Costa, Solano, or Alameda counties, as well as any and all businesses, corporations, and other legal entities in those counties. 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 our members in the form of lower loan rates, higher interest on deposits, and lower fees. We exist to serve our members, not to make a profit. Each credit union member has equal ownership and one vote, regardless of how much money you have on deposit. At 1st Nor Cal Credit Union, you’re both a member and an owner. We are governed by a board of directors, elected by and from the credit union’s membership. Board members serve voluntarily.