First Californian simplifies personal banking, offering the benefits of a member-owned financial institution. Members enjoy monthly dividends and a unique end-of-year reward bonus, distinguishing them from traditional banks.

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Checking Account Rates

Rates up to date as of July 4, 2024. Rates subject to change without notice.

Account Type	Dividend Rate	APY	Minimum Balance	Balance to Earn Monthly Dividends
Primary Checking	0.050%	0.050% APY	$0	$500+
GoldStar® Checking¹	0.100%	0.100% APY	$0	$500+
Business Basic Checking	0.050%	0.050% APY	$0	$500+
Business Premier Checking	0.200%	0.200% APY	$0	$500+
ATM Checking²	—	—	$0	—
Fresh Start Checking²	—	—	$100	—
Empowered Checking³	—	—	$ 0	—

APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.
1. Additional requirements apply for GoldStar® membership.
2. Checks are not allowed on ATM or Fresh Start checking accounts.
3. Must be referred through BankOn for Empowered checking accounts.

For more information visit Terms & Conditions, Current Rates, and Fee Details.