Membership & Rewards

GoldStar^® Membership offers extra rewards with a potentially waivable monthly fee, including higher dividend rates on balances over $500, discounts on vehicle and personal loans, no-cost identity theft protection, and additional free or discounted services.

• Extra Rewards with a monthly fee that can be waived
• 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

If you’re a GoldStar® Member and an enrolled member of a federally recognized Native American tribe, you may qualify for exclusive loan rate discounts—up to 1.50% off vehicle or personal loans.

How You Earn Your Discount

Stack your savings by meeting the following:

• 0.25%— GoldStar® Membership*
• 0.25%— Direct Deposit*
• 0.25%— Active VISA® Credit Card*
• 0.25%— Active GoldStar® Checking Account*
• 0.01%–0.50%— Savings Balance Bonus*

Total Potential Discount: Up to 1.50%

*See full discount eligibility requirements by clicking the link below

At First Californian, we offer up to $100 in “bonus” dividends to members based on their active deposit accounts, loans, cards, and additional services with us.

You must claim your available 2026 Member Reward Dividend online between Nov. 25th and Dec. 28th to be eligible to receive it. 

Since the launch of the Member Reward Dividend in 2013, we have paid out nearly $2.7 million to our members!

Earn reward points for everyday spending on VISA^® credit and debit cards, redeemable for a variety of rewards with no annual fees or limits, plus the ability to link multiple cards.

• Easy to navigate redemption website with 1000’s of choices across different categories
• Redeem points for gift cards, cash, fuel, entertainment, grocery, travel, products, & more!
• Pay with points in-store at checkout at select retailers and gas stations
• No Annual Fees or Reward Limits
• Rewards Credit Card (earn 1 point for every $1 spent)
• Rewards Debit Card (earn 1 point for every $4 spent)

• Open a Youth Savings Account for your child to start earning
• We pay $3 for A’s, $2 for B’s, $1 for C’s
• Eligible classes include Math, Science, English, & History/Social Studies
• Max is $12 per quarter ($48 per year)
• Submit grades online or in-branch
• Current members earn $10 for referring new youth members

Refer a new member to First Californian and earn $25 for each adult and $10 for each youth referral.

• $25 per adult entity that a current member refers
• $10 per youth entity a current member refers
• Referral reward is applied to the current members account
• The primary social security number of the new member must not have had an account before