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Become a Member

Where Membership Means More

You’re eligible to join if you’re related to a current member or connected to the Morongo, Soboba, Twenty-Nine Palms or Torres Martinez Tribal communities—as a member or employee of the Tribes, their casinos, or affiliated 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 agree to join the Financial Fitness Association for $5
  • You are related to an existing member of First Californian Credit Union
  • You are an employee or member of an approved SEG group or association
  • You are a member or employee of the following Tribes or casinos
  1. Morongo Band of Mission Indians
  2. Soboba Band of Luiseño Indians
  3. Twenty-Nine Palms Band of Mission Indians
  4. Torres Martinez Desert Cahuilla Indians
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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
Apply Now
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About Us

First Californian Credit Union, a division of American United Federal Credit Union, has been serving members since 1952 with a focus on access, support, and real financial value. Today, we proudly serve more than 23,500 members across California and Utah—offering better rates, fewer fees, and personalized guidance for every stage of life. From everyday banking to loans and business services, we’re here to help you move forward.

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Upgrade to GoldStar® membership

  • Higher Monthly Dividend Rates on Balances $500+
  • Higher Dividend Rates on Savings & Certificate Accounts
  • Loan Rate Discounts on Vehicle & Personal Loans
  • Access to No Cost Identity Theft Protection
  • Free or discounted services & additional rewards
  • Required for Tribal Prime Membership Program
Goldstar® membership
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Tribal Prime Membership Program

  • Up to 1.5% loan rate discounts
  • GoldStar Membership is required
  • Earn discounts for direct deposit, VISA credit cards, active checking, and savings balances
  • For enrolled members of any federally recognized tribe
  • Loan types include vehicle and most personal loans
Tribal Prime Membership