Become a Member

We're so happy you found us!

To join First Californian Credit Union, you can qualify by being related to a current member, or being a member or employee of one of the following Tribal groups (Morongo, Soboba, or Twenty-Nine Palms), their Casinos, or their other Tribal businesses.

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Experience better banking

If you are seeking a new financial institution for your personal or business needs, you may be wondering if a credit union membership is the right fit. First Californian offers high-quality banking services to native communities and their reservation employees. We partner with our members to create financial solutions for every phase of life, from buying a new home to applying for a small business loan to saving for college and planning for retirement. Explore the benefits of joining a credit union and learn how to join the First Californian Credit Union family.

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Who Can Join?

What is needed to apply?

What are the required accounts?

Why Credit Unions?

How to switch Financial Institutions?

Who can join?

You can easily qualify for membership in any of these ways:

You are related to an existing member of First Californian Credit Union
You are an employee of, associated with, or a member of an approved SEG group or association

Morongo Indian Reservation (Tribal Members & Reservation Employees)
Soboba Indian Reservation (Tribal Members & Reservation Employees)
Twenty-Nine Palms Reservations (Tribal Members & Reservation Employees)

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What is needed to apply?

You will need the following information to complete the application:

Government issued ID (drivers license, passport, state ID)
Your contact information
Social Security Number
Date of Birth

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What are the required accounts?

One of the following accounts is required for membership

Primary, Youth, or GoldStar® Savings Account
Requires a $5 minimum deposit at opening
Must maintain a $5 minimum balance

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Why credit unions?

Credit unions offer significant advantages compared to traditional financial institutions. Because we exist to support and benefit our members and community, we can act on your behalf rather than increase profits and respond to other stockholder demands.
We make sure that our members experience significant value through their association with the credit union.

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How to switch financial institutions?

Moving accounts to First Californian is easier than you think

Set up direct deposit & automatic payments
Update automatic payments & withdrawals
Transfer balances and refinance loans

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About Us

First Californian Credit Union, a division of American United Federal Credit Union, deeply values our local heritage. We started in 1952 to create access to personal and business banking for traditionally underserved individuals. Since First Californian's first branch opening in 2009, we have expanded that mission and enhanced the benefits of credit union membership, with perks like member rewards, financial advising, credit coaching services, impressive dividends, and low-interest rates and fees.

If you live in California or Utah and you’ve grown tired of the traditional banking experience, consider exploring our credit union application process. With administrative offices in both states, we have three banking branches in California and 8 banking branches in Utah.

First Californian and American United Federal Credit Union are proud to serve more than 23,500 total members. Our personal banking services include home loans, auto loans, credit cards, checking accounts, savings accounts, personal loans, and individual retirement accounts. For businesses, we offer credit cards, secured and unsecured business loans, lines of credit, checking accounts, savings accounts, and cash management services.

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