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Sacramento Credit Union

Easy Live or regularly work in Sac + adjacent counties

Who can join Live or regularly work in El Dorado, Placer, Sacramento, Solano, Sutter, Yolo, or Yuba

How hard Easy

Fees / share At least $25 to open ($50 if Savings + Checking)

ATM notes Not fully transcribed this pass — use SCU locator

Official name: Sacramento Credit Union
Charter / type: State-chartered community credit union; NCUA insures each member to at least $250,000 (published). Confirm via NCUA locator.
Field of membership (summary): Anyone who lives in El Dorado, Placer, Sacramento, Solano, Sutter, Yolo, or Yuba counties; anyone who regularly works in those counties; any business/corporation/legal entity operating in these counties.
Join steps (as published): Join online or in person. Bring government photo ID; second form of ID; proof of eligibility if needed; document showing current physical address; at least $25 cash or check ($50 if opening both Savings and Checking).
Fees (only if published): Opening funding: at least $25 (or $50 for Savings + Checking) stated on become-a-member. Other fees: not fully transcribed — check SCU disclosures.
ATM / network notes: Not fully transcribed this pass. Use sactocu.org nearest branches/ATMs tools.
Branches serving Sacramento: Published branch cities include Sacramento, Elk Grove, Roseville, Folsom, and Fair Oaks. Use sactocu.org locator for addresses.
Caveats: County list is specific — e.g. San Joaquin is not on this published list (unlike SAFE / Heritage / First U.S.). Match your county carefully.
Join difficulty rationale: Easy — published multi-county live/work community path centered on Sacramento County.

Sources

sactocu.org/become-a-member/

Not a guarantee: Meeting the published field of membership does not mean you will be approved. Credit unions still run identity checks (CIP) and their own account rules.

Last verified: 2026-10-25 (America/Los_Angeles). Confirm eligibility and fees on the credit union’s site before applying. Membership always subject to CU approval and identity verification.