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California Community Credit Union is a member-owned, not-for-profit financial institution offering savings accounts, loans, mortgages, and vehicle financing to members throughout California.
Data compiled from public sources
California Community Credit Union (CACCU) operates as a federally-chartered, member-owned credit union serving California residents. Based on their website, the organization emphasizes diversity, inclusion, and integrity as core values. The credit union maintains a physical headquarters at 8815 Folsom Blvd and operates multiple branch locations across California.
CACCU offers a comprehensive range of financial products including share savings accounts, term savings certificates (advertised at 3.50% APY for 12-month terms), vehicle financing across multiple asset classes (autos, motorcycles, RVs, boats, golf carts, powersports), home mortgages with refinancing options, and business accounts marketed as fee-free. They provide an "Anytime Skip-A-Payment Program" for loan holders facing temporary financial hardship. The credit union actively supports members struggling with mortgage payments through a dedicated foreclosure avoidance program, offering loan modification, refinancing, interest rate adjustments, and debt consolidation reviews.
CACCU distinguishes itself through proactive foreclosure prevention services, explicitly encouraging members to contact their mortgage department before defaulting. They provide personalized consultations by appointment and maintain dedicated phone lines for assistance. The credit union also references HUD-certified counseling services and positions itself as member-focused rather than profit-driven, consistent with credit union principles.
As a credit union, CACCU is NCUA-insured (not FDIC-insured), meaning member deposits are protected up to standard limits. The website contains extensive legal disclaimers regarding accuracy of information and third-party links, which is standard but suggests members should independently verify details. Limited specific information about membership eligibility requirements, fee structures, or competitive rate comparisons is provided on the public website.
This is state-level context for Credit Unions consumers in Sacramento, CA. It does not confirm that California Community or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
California Community offers 15 services including Share savings accounts (member deposits), Term Savings Certificates at 3.50% APY (12-month terms), Auto loans and vehicle financing, Motorcycle and scooter financing, RV financing, and 10 more.
California Community has profile signals associated with California residents seeking vehicle financing with flexible terms across multiple asset types (boats, RVs, motorcycles), Homeowners struggling with mortgage payments who need foreclosure prevention and loan modification options, Small business owners in California seeking fee-free business checking and savings accounts, Members prioritizing member-owned, not-for-profit financial institutions over for-profit banks.
Key strengths: Term Savings Certificates offered at 3.50% APY for 12-month terms, competitive for credit unions; Dedicated foreclosure avoidance program with personalized consultations and multiple modification options; Anytime Skip-A-Payment Program for members experiencing temporary payment hardship. Areas to consider: Website provides minimal detail on membership eligibility, application process, or specific loan terms and APRs; No competitive rate comparison tools or rate quotes available on public website; rates for most products not disclosed.
In the Credit Unions category, comparable providers include 1st United, Altaone, America'S Christian. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
California Community Credit Union is profile signals for California residents and small business owners seeking member-owned financial services with a focus on vehicle and mortgage lending. Primary caveat: the public website lacks detailed rate, fee, and eligibility information—prospective members must contact the credit union directly at (916) 575-5700 or 1-800-332-1418 to obtain specific terms.
1st United Credit Union is a member-owned, not-for-profit financial institution serving the San Francisco Bay Area with rate claims to verify on loans, savings accounts, and mortgages.
Profile signals: Bay Area residents seeking community-focused banking with rate claims to verify, Members wanting personal loans with flexible terms and promotional cash incentives
AltaOne Federal Credit Union is a member-owned, not-for-profit credit union offering checking, savings, loans, and wealth management services to its members.
Profile signals: Members seeking community-focused, not-for-profit banking with rate claims to verify and comprehensive services, First-time homebuyers interested in listed mortgage programs and down payment assistance
America's Christian Credit Union (ACCU) is a faith-based, member-owned credit union offering comprehensive banking, lending, and investment products with a Christian mission focus.
Profile signals: Christian families seeking values-aligned financial services, particularly those considering adoption, Credit union members wanting comprehensive lending options including specialty vehicle financing (EV, RV, motorcycle)
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