 Allied Healthcare Federal Credit Union »
Long Beach. Serves select heathcare groups in CA.
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 Santa Clara County FCU »
San Jose. Membership is open to active or retired employees, and family of the credit union's corporate partners.
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 Pacific Trust FCU »
Chula Vista. Serving select employee groups.
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 US First Federal Credit Union »
El Segundo. Membership is open to select employer groups and associations.
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 First California Federal Credit Union »
Fresno. Membership is open to all federal civil service employees and associations within Fresno county and qualifying members of their families.
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 United Parcel Employees Federal Credit Union »
Whittier. Membership is open to employees of United Parcel Service.
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 Printing Industries Credit Union »
Los Angeles. Open to members of select printing and graphic arts trade associations in California and Nevada.
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 F&A Federal Credit Union »
Monterey Park. Serving LA County Fire employees and their families.
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 Parsons Federal Credit Union »
Pasadena. Membership is open to select employer groups.
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 Golden Bay Federal Credit Union »
Moffett Field. Serves military personnel employed in Santa Clara or San Mateo Counties and other select groups.
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 Miramar Federal Credit Union »
San Diego. Membership is open to all active duty and retired military and their relatives.
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 Chaffey Federal Credit Union »
Ontario. Employees of select schools, school districts, businesses and special groups are eligible for membership.
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 Honda Federal Credit Union »
Torrance. Serving Honda employees in California.
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 First Financial Credit Union »
Los Angeles. Membership is open to select employer groups.
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 US Postal Service Credit Union »
Mission Hills. Serves all employees of the United States Postal Service who do not have a local credit union service available.
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 49er Federal Credit Union »
Placerville. Offers financial services to all of El Dorado County as well as select employee groups.
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 California Credit Union »
Los Angeles. Serving employees of all California public and private schools, community and state colleges and universities, and other affiliated organizations.
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 San Diego Metropolitan Credit Union »
San Diego. Serving the San Diego Metro area.
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 Patelco Credit Union »
San Francisco. Membership is open to communities and employers in and around the San Francisco Bay Area.
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 Health Associates Federal Credit Union »
Bellflower. Serving select employee groups.
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 Partners Federal Credit Union »
Anaheim. Serving select employee groups in Anaheim.
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 Santa Ana Federal Credit Union »
Serving City of Santa Ana employees, and employees of related organizations.
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 Antelope Valley Federal Credit Union »
Lancaster. Serves select employee groups.
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 Sandia Laboratory Federal Credit Union »
Livermore. Serving employees of Sandia National Laboratories and select employee groups.
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 Ventura County Federal Credit Union »
Ventura. Membership is open to those who reside and work in Ventura County.
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 Tyco Electronics Federal Credit Union »
Menlo Park. Serving Tyco Electronics employees.
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 Telesis Community Credit Union »
Lafayette. Serving select employee groups.
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 SafeAmerica Federal Credit Union »
Concord. Serving employee groups in select communities.
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 Vista FCU »
Burbank. Membership is open to the employees of The Walt Disney Company.
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 Desert Communities Federal Credit Union »
Needles. Membership is open to select employee and community groups.
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 Burbank Federal Credit Union »
Burbank. Membership is open to employees, student and parents of The Burbank Unified School, District, Pinecrest Schools, San Fernando Valley Private and Parochial Schools, and Burbank Educational Foundation.
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 First U.S. Federal Credit Union »
Sacramento. Servicing select employee groups.
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 Dow Great Western Credit Union »
Pittsburg. Serving the Antioch-Pittsburg, CA, community.
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 Fresno Police Department Credit Union »
Fresno. Serving police officers and their families in Fresno County.
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 American First Federal Credit Union »
La Habra. Serving select employee groups and organizations.
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 Educational Employees Credit Union »
Fresno. Serving school employees and their families throughout Central California..
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 Vision One Credit Union »
Sacramento. Serves optometrists and ophthalmologists licensed in the state of California.
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 USE Credit Union »
San Diego. Membership is open to anyone who lives or works in Alameda, Sacramento, San Diego, Santa Clara or Yolo counties and beyond.
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 Los Angeles Police Federal Credit Union »
Los Angeles. Serving employees of the LAPD.
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 Kings Federal Credit Union »
Hanford. Serving 180 employee groups in Kings County.
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 Golden 1 Credit Union »
Sacramento. California state employees, employees of California government agencies that are eligible for the California Public Employees' Retirement System, and California State Teachers' Retirement System are eligible to join.
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 Redwood Credit Union »
Santa Rosa. Serving select employee groups and organizations.
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 North County Credit Union »
Membership is open to anyone living or working in the North County area of San Diego County.
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 Cooperative Center FCU »
Berkeley. Serves select employee groups and organizations.
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 Shell Southwest Federal Credit Union »
Membership open to employees of Shell-Equilon in Southern California and other select employee groups.
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 Addison Avenue Federal Credit Union »
Serves employees and family members of Hewlett-Packard, Agilent Technologies and other select employer groups.
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 Chabot Federal Credit Union »
Dublin. Serving select employee groups in Dublin.
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 Siskiyou Central Credit Union »
Yreka. Serving select employee groups and organizations.
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 Tiger Federal Credit Union »
Culver City. Serving former employees of Flying Tiger Line, Inc. and select employee groups.
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 WesCorp Credit Union »
San Dimas. Serving employees of WesCorp.
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 First Metropolitan Credit Union »
Concord. Serves school districts located throughout Contra Costa County.
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 Provident Credit Union »
Redwood City. Membership is open to those who live or work in most San Francisco Bay Area counties, and to members of over 1200 employer groups and organizations. Products include mortgages, auto loans, checking accounts, credit cards, and savings certificates.
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 UNCLE Credit Union »
Serving members in Alameda, Contra Costa, Stanislaus, and San Joaquin counties.
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 Mocse Central Valley Federal Credit Union »
Modesto. Serving multiple employee groups in the Central Valley of California.
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 Xerox Federal Credit Union »
El Segundo. Serving employees of Xerox Corporation and affiliates, OfficeMax, and other select companies.
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 California Coast Credit Union »
San Diego. Membership is open to local school employees, students, parents of students, alumni, and their families.
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 Water & Power Federal Credit Union »
Los Angeles. Serving select employee groups and organizations.
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 MWD Federal Credit Union »
Los Angeles. Serving select employee groups in southern CA.
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 Torrance Federal Credit Union »
Torrance. Serving select employee groups in Torrance.
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 FIG Federal Credit Union »
Los Angeles. Serving select employee groups.
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 Evangelical Christian Credit Union »
Anaheim. Serving the financial needs of evangelical Christian churches, ministries and schools.
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 Redwood City Sequoia School Employees FCU »
Redwood City. Serves the employees of Redwood City Sequoia School.
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 First Imperial Credit Union »
El Centro. Serves those live, regularly work or regularly worship in the Imperial County.
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 South Western Federal Credit Union »
Whittier. Serves employees of Sears, selected employee groups, and people who live or work in the cities of Whittier.
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 Silverado Federal Credit Union »
Angwin. Membership is open to select employer groups.
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 Moore West Federal Credit Union »
San Leandro. Serves employees of a variety of businesses and corporations in 40 states.
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 Coast Central Credit Union »
Eureka. Serving members who live or work in Del Norte, Humboldt, Trinity, and N. Mendocino counties of Northern California.
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 Downey Federal Credit Union »
Los Angeles. Serves employees of public, private, and parochial schools who work within the Downey Unified School District.
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 Building Trades Federal Credit Union »
Orange. Serves all locals affiliated with the Los Angeles/Orange County Building and Construction Trades Council.
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 Orange County Federal Credit Union »
Santa Ana. Membership is open to those employed by (or retired from)the County of Orange and select employer groups.
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 Stanford Federal Credit Union »
Palo Alto. Membership is open to the Stanford community and members of Palo Alto Chamber of Commerce.
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 University Credit Union »
Los Angeles. Serving select educational groups.
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 Energy First Credit Union »
San Jose. Serving members in the Santa Clara County.
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 Fresno Fire Department Credit Union »
Fresno. Serving firefighters and their families in all of Fresno County.
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 Norton Community Credit Union »
San Bernardino. Serving select employee groups and organizations.
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 Pacific Service Credit Union »
Concord. Serving select employee groups and organizations.
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 Arrowhead Credit Union »
San Bernardino. Serves members in San Bernardino and Riverside Counties.
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 Big Valley Federal Credit Union »
Sacramento. Membership is open to employees of selected employee groups and family members of those employees.
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 First United Services Credit Union »
San Francisco. Membership is open to select employer groups.
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 Fresno County Federal Credit Union »
Fresno. Membership is open to select employer groups in Fresno County.
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 Merced School Employees FCU »
Merced. Serving Merced School employees.
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 Central State Credit Union »
Stockton. Serves select employee groups.
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 Glendale Area Schools Federal Credit Union »
Glendale. Membership is open to employees of Glendale Area Schools and their families.
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 Sacramento Credit Union »
Sacramento. Serving those who live in Sacramento County.
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 Unocal Federal Credit Union »
Los Angeles. Membership is open to employees of Union Oil Company of California.
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 Spectrum Federal Credit Union »
San Francisco. Serving select group affiliations, such as Charles Schwab Inc.
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 NBC Employees Federal Credit Union »
Burbank. Serving employees of NBC.
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 USC Federal Credit Union »
Los Angeles. Serving students and faculty of USC.
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 Premier America Federal Credit Union »
Chatsworth. Serves any employee of Litton Industries and other select employee groups.
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 Musicians Credit Union »
Orange County. Serves the American Federation of Musicians Local 47 and other select groups.
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 Santa Cruz County Employees Credit Union »
Santa Cruz. Membership is open to employees and retirees of various local government agencies.
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 South Bay Credit Union »
Serving businesses in the south bay area of Los Angeles County. Provides information about loans, services, news, and links to related websites.
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 CommonWealth Central Credit Union »
San Jose. Serving select employee groups and organizations.
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 Sea West Coast Guard FCU »
Serving USCG and Department of Homeland Security personnel and their families.
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 United Methodist Federal Credit Union »
Montclair. Serving members of the United Methodist Church.
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 Bourns Employees Federal Credit Union »
Riverside. Offers banking services to Bourns employees.
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 SCE Federal Credit Union »
Irwindale. Serving select employee groups and organizations.
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 Long Beach City Employees FCU »
Long Beach. Serving employees in Long Beach.
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 First Entertainment Credit Union »
Hollywood. Serving entertainment and communications companies in Southern California.
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 Lockheed Federal Credit Union »
Full service, not-for-profit credit union open to residents and businesses throughout Southern California. Specializes in savings, checking, mortgage and commercial lending.
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 AltaOne Federal Credit Union »
Ridegecrest. Serving those who live or work in select communities.
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 Technology Credit Union »
Full-service financial institution in the Silicon Valley.
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 Grossmont Schools FCU »
El Cajon. Serving employees of Grossmont Schools.
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 Lutheran Credit Union of America »
Brea. Serving the Lutheran community.
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 Technicolor Federal Credit Union »
Burbank. Serving select employee groups and associations.
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 Fiscal Federal Credit Union »
Los Angeles. Serving select employee groups and organizations.
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 Foothill Federal Credit Union »
Arcadia. Serving school districts and educationally related businesses in the San Gabriel Valley.
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 Chevron Federal Credit Union »
San Francisco. Serving employees and retirees of Chevron Corporation and affiliates worldwide.
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 San Diego County Credit Union »
San Diego. Membership is open to residents of San Diego and Riverside, and Orange Counties.
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 San Francisco Federal Credit Union »
San Francisco. Serving anyone who lives, works, attends school or worships in San Francisco.
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 Community First Credit Union of Sonoma County »
Serving residents and employees of Sonoma County. Includes locations, ATM information, online forms and applications.
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 Central Coast Federal Credit Union »
Seaside. Serving members who live or work in northern Monterey County, California.
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 Santa Barbara County Federal Credit Union »
Santa Barbara. Serving resident and employees of Santa Barbara county.
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 Matadors Federal Credit Union »
Northridge. Membership is open to those affiliated with the California State University Northridge.
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 Safe Credit Union »
North Highlands. Serves anyone living or working in Sacramento, Yolo, Yuba, El Dorado, Sutter or Placer Counties.
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 Alameda Credit Union »
Alameda. Serving anyone who lives or works in Alameda.
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 Affinity West Federal Credit Union »
Los Angeles. Serving select employee groups in southern California.
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 Premier Community Credit Union »
Stockton. Membership is available to residents of San Joaquin county.
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 Safe 1 Credit Union »
Kern. Serving all residents of Kern and Tulare Counties.
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 Valley First Credit Union »
Stanislaus County. Provides services to the community of Stanislaus County.
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 San Diego Firefighter Credit Union »
San Diego. Membership is open to San Diego firemen and their families.
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 Contra Costa Federal Credit Union »
Martinez. Serving select employee groups and organizations.
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 California Agribusiness Credit Union »
Provides financial services for the dairy and agriculture industries. Includes newsletter, services offered, and addresses. Headquartered in Buena Park, with offices in southern and central California.
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 CSULA Federal Credit Union »
Los Angeles. Serves employees and students of California State University.
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 SESLOC Federal Credit Union »
San Luis Obispo. Serving San Luis Obispo County teachers and staff, plus students of Cal Poly University and Cuesta College.
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 Nissan Federal Credit Union »
Carson. Membership is open to employees of Nissan.
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 Kern Central Credit Union »
Bakersfield. Serving select employee groups.
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 Merco Credit Union »
Merced. Serving the greater Merced area.
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 Los Angeles Federal Credit Union »
Los Angeles. Serving Los Angeles City employees.
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 Golden West Cities Federal Credit Union »
Garden Grove. Serving Garden Grove city employees.
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 CBC Federal Credit Union »
Port Hueneme. Membership is open to employees and residents in Ventura County.
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 Sierra Central Credit Union »
Yuba City. Serves anyone who lives or works within 25 miles of a branch office.
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 Tucoemas Federal Credit Union »
Serving those who live, work, worship, or attend school in Tulare County
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 Cannon Financial Federal Credit Union »
Bellflowe. Serving select employee groups.
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 Sierra Point Credit Union »
San Francisco. Serving the south San Francisco community.
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 Caltech Employees Federal Credit Union »
Pasadena. Provides services to the Caltech/JPL community.
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 Union Pacific CAE Federal Credit Union »
Whittier. Serving select employee groups and associations.
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 The Credit Union for Organized Labor »
Modesto. Serving employees of select county groups.
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 Beverly Hills City Employees Federal Credit Union »
Beverly Hills. Membership is open to those working in Beverly Hills.
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 Northrop Grumman Federal Credit Union »
Hawthorne. Serving Northrop Grumman employees.
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 Edwards Federal Credit Union »
Los Angeles. Serving select employee groups and organizations.
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 Santa Cruz Community Credit Union »
Offering a full range of banking services; mission includes supporting community development with a focus on meeting the needs of low-income people. Locations in Santa Cruz and Watsonville.
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 OCTFCU »
Membership is open to educational employees in Southern California.
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 Bay Federal Credit Union »
Santa Cruz. Serving anyone who lives, works, worships, or attends school in Santa Cruz County.
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 CSC Employees Federal Credit Union »
El Segundo. Serves employees of Computer Sciences Corporation.
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 Long Beach Schools Federal Credit Union »
Long Beach. Membership is open to employees of Long Beach Schools.
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 Toyota Motors Federal Credit Union »
Torrance. Membership is open to Toyota employees and families.
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 Operating Engineers FCU »
Alameda. Serves all members, working and retired, of approved labor unions.
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 Fox Credit Union »
Los Angeles. Serving employees of Fox.
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 San Diego Medical Federal Credit »
San Diego. Serving select medical groups in San Diego.
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 Kern Schools Federal Credit Union »
Bakersfield. Serving employees and families of Kern Schools.
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 Wescom Credit Union »
Pasadena. Serves over 160,000 members throughout Southern California.
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 Polam Federal Credit Union »
Los Angeles. Meets the financial needs of the Polish community in southern California.
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 Continental Federal Credit Union »
El Segundo. Serving select employee groups and sponsors.
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 Alliance Federal Credit Union »
San Jose. Membership is open to the more than 400 select employer groups.
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 Valley Oak Credit Union »
Six branches in the Fresno area to serve members' financial needs. Includes ATM locator and membership information.
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 Cal State Central Credit Union »
Santa Rosa. Serving communities near Sonoma County, California, and select employee groups.
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 Marin County Federal Credit Union »
San Rafael. Serving employees in Marin County.
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 Peninsula Postal Credit Union »
San Jose. Serves postal employees in the counties of Santa Clara, Santa Cruz, San Mateo, San Benito, and Monterey.
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If you plan on moving out of your existing home within the next few years, it may not be beneficial for you to refinance. Make sure you let your mortgage specialist know your future plans.
Stick with a simple loan. It is easier to understand and less likely to get you into trouble. Adjustable-rate mortgages may seem like a way to get a bigger house now or to keep more money now, but when the rates adjust you can get into trouble. Avoid anything with a balloon payment. Just choose a simple 30-year mortgage you can easily afford.