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What's New

Upcoming Office Closures:
December 24, at 1pm
December 25, Christmas Holiday
December 31, at 1pm
January 1, New Years day

First City receives Valued Partner Award for 2014 from CU Members Mortgage
Read more on our blog by clicking the link above

2015 Calendars from First City

First City 2015 Calendars are now available for download to LASD Employees, L.A. County Employees, and our general membership.  They also include valuable coupons redeemable with accounts opened at First City, like cash for member referrals!

If your office needs more, please call us at (800) 944-2200, ext. 0, to schedule a site visit where we can deliver calendars and make a presentation highlighting the benefits of membership with First City.

The available calendars are:
L.A. County Employees
General Membership

Free Mobile Banking Apps - Available for iPhone, iPad & Android!
Now with Remote Deposit Capture

We have mobile banking apps! The new mobile banking apps provide a simpler, more user-friendly mobile banking experience than our previous mobile banking product.  Remote Deposit Capture is a new feature, which allows you to deposit checks from wherever you are, whenever you're there!

Available at:

  • iTunes
  • Apple’s App Store
  • Google Play
  • Amazon Software

We're One of America's Best

From our humble beginnings in 1937, started by LA County Sheriff's Department Deputies, to a 500 million dollar, Member-owned institution, we're proud to say we've been chosen as one of America's best credit unions through a variety of sources:

• 5-Star Ranked
For the 58th straight quarter by Bauer Financial Inc., the nation’s leading independent bank rating firm.

• America’s Top 100 Credit Unions
In four separate categories by Bauer.

• Nation's Top 200 Healthiest Credit Unions named First City to its 2014 list! With over 6,500 credit unions in the United States, First City ranked in the top 1.5 percentile!

• Lowest Auto Loan Rates in SoCal
In a recent study, identified First City among the 10 lowest auto loan rates available in Los Angeles!

Financial Focus Newsletter
Our Financial Focus Newsletter for the summer quarter is now available for download.  Read it and know the latest about

  • Online Safety
  • Helpful Tips for Road Trips
  • A Feature on long-time First City Member Ella Quinlan-Oatis
  • New Ways to Manage Your Money Through Mobile
  • First City's Community Events
  • And More!

Homebanking Gains Superpowers
Now It Can See Into Your Future!

Ever notice the difference between your Total Balance and your Available Balance? Have you had difficulty figuring out what transactions are waiting to clear your account? Feel like you need a superhero to straighten out your finances? We’ve got good news, First City is here to save the day! Pending Transactions are now available in your transaction history.  They appear at the top of the listing and provide limited information about transactions on hold in your account. You can log-in to your account to see it in action or sign up for Homebanking on the homepage.

First City Supports the Children's Miracle Network!

We hope you’ll join us by making a donation at one of our branch locations to make a difference for local children who need medical help or donate online here.

Text Message Banking (SMS)

Log in to your First City Homebanking account and sign up using these three simple steps:

  • 1. Enter your mobile phone number
  • 2. Enter the Activation Code
  • 3. Select your Accounts and Notifications preferences

That’s it. Three simple steps and you’ll be on your way to managing your First City accounts — on the go, day or night — and receiving important alerts on your smart phone.

Need help setting up your new mobile text message banking? Stop by your First City branch office and one of our Member Services Representatives will help you get started.

Quarterly Newsletter

Our quarterly newsletter (January, April, July, October) is available at our branch locations, within member statement inserts, and online. Please look for our postings and articles at First City Interactive and Facebook.

Most People Think Big Banks Have More ATMs and Branches…

It’s Just NOT True! First City Has Way MORE Fee-FREE ATMs

According to, credit unions such as First City that participate in the CO-OP® ATM network have way more fee-free ATMs nationwide than Bank of America and ALL other major banks—(we could have told them that)! Popular retailers such as 7-Eleven®, Costco® and Walgreens® are just some of the convenient places you can get cash fee-FREE. Compare and see for yourself how easy it is to find an ATM as a First City member:

CO-OP 34,600
Chase 18,132
Bank of America 16,220
Wells Fargo 12,200
Citi 10,428
PNC 6,500
US Bank 5,086


With Over 6,000 Locations—We Have MORE Branches Than Chase!

As far as branches go, First City can compete with the big banks when you take into consideration our affiliation with the CU Service Centers® shared branch network. By joining cooperatively with other credit unions nationwide and internationally, First City gives you access to over 6,000 CU Service Centers. So, no matter where your travels take you, there’s always a branch nearby!

Find a CO-OP ATM or a CU Service Center near you on our homepage.

Driving Gives You Freedom.  Your Auto Loan Should Too.  
New and Used Auto Rates as Low as 1.45% APR* for up to 36 months! Other terms available


Experience financial freedom with a new or used auto, or lower your payments by refinancing your loan from another lender at First City. Not only will you get rock-bottom rates, but every First City auto loan also includes these complimentary MPOWER+ VEHICLE LOAN PROTECTION benefits:

  • MPOWER + Vehicle Return Program – allows you to walk away from your loan obligation should uncontrollable circumstances cause you to lose your income within 6 months following your purchase or refinance. (Available for all vehicles)
  • 24/7 Roadside Assistance for the life of your loan—including towing, flat tire changes, jump starts, fluid delivery, and lockout and concierge services—to get you back on the road safely.

Apply Now!
To apply for your auto loan, call (800) 944-2200, ext. 5 - anytime, or apply here with the Instant Loan Application.

*Annual Percentage Rate. Rates may vary depending on your credit qualifications, term, model year of vehicle, mileage and loan-to-value. No payment for 90 days offer is not available on existing First City loans. Payment estimate: on a $10,000 loan with a term of 36 months at 1.45% APR = $285. 2006 model years or newer up to 125% of Kelley Blue Book value, all inclusive,  for qualified members. This offer cannot be combined with other First City promotional offers. Rates and program details subject to change without notice. Credit approval is required. Other conditions may apply.  MPower products not available on Indirect loans.

Take First City's Visa Platinum with You Everywhere You Go!

Rates as Low as 9.25% APR*

Carrying around credit cards with annual fees, balance transfer fees, cash advances fees, and penalty rate increases, is dragging you down! Escape to what First City offers:

• NO annual fee
• NO balance transfer or cash advance fees
• A true 25-day grace period on purchases
• Generous credit limit up to $15,000

You’ll also enjoy plugging into these Platinum-level perks:
• Up to $500,000 coverage in travel insurance
• Up to $15,000 coverage for personal ID Theft
• Auto Rental and Collision Damage Repair and more!

Apply for Your First City Visa Platinum Credit Card Today!

Cut to the chase and get a low rate and fewer fees... Apply for a First City Visa Platinum! To apply, call (800) 944-2200, ext. 5, or apply here on the Instant Loan Application.

*Variable rate based on the Prime Rate plus a margin, subject to change monthly. Your rate and margin may vary, depending on your credit qualifications. Credit approval required.

Make the Big Switch-A-Roo to First City Checking!

Think Big on Benefits, small on fees and what you've got is First City Checking--checking as you please! When you switch to a First City Checking Account, you won't feel crossed up with:

  • FREE debit card purchases with NO monthly fee
  • Fee-FREE withdrawals and deposits at more than 34,000 CO-OP® ATMs nationwide
  • First 50 checks FREE
  • FREE FirstCityLink online banking and bill payment
  • FREE point-of-sale transactions (some merchants add a transaction fee)

For more information or to apply for a checking account, click here or call (800) 944-2200, ext. 0. Or stop by any First City branch.

A Share-Secured Loan Offers a Rainbow of Benefits…

A Share Secured Loan is a bright idea if you want to build your credit or need to make a purchase, but don't want to dip into savings. Here’s how it works:
• Use the funds in your Savings or Term Certificate Account as security against the loan
• Pay just 1.50% APR* over your current dividend rate while you continue to earn dividends on your savings
• Enjoy flexible terms and pay NO fees

Apply for your share-secured loan today! Call (800) 944-2200, ext. 5 - anytime, or apply here with the Instant Loan Application.

*Annual Percentage Rate. Rate based on current dividend rate plus 1.50% APR. Term is based on certificate maturity or maximum of 60 months for share-secured. Rate is subject to change without notice.

Refinance Now for a Lower Monthly Payment
Record Low Mortgage Rates

With our partnership with CU Members Mortgage, First City is able to offer a full range of first mortgage products at record-low rates… for purchase or refinance.

  • VA Loans
  • FHA Loans
  • First-Time Homebuyer Loans
  • 15, 20, and 30 year terms
  • Reverse Mortgages
  • Out of state
  • Non-owner occupied and multiple unit properties

Apply 24-hours a Day
For more information about CU Members, or to apply 24 hours a day, click on the First Mortgage Link. You can also apply 24/7 by calling (800) 944-2200, ext. 6. Qualified applicants are approved in minutes, and offered a choice of rates and options. Also ask about our home equity loan, and line of credit.


Changes to Courtesy Pay Debit Transactions
New federal regulations, effective August 15, 2010 have required that consumers "Opt-in" for Courtesy Pay to cover debit transactions made at merchant locations, such as grocery stores, gas stations, restaurants, etc.* This regulation includes transactions made with your Visa Check (debit) or ATM card.

What Happens If You Don't "Opt-in"
Unless you "Opt-in," your purchases made with your Visa Check (debit) or ATM card will be denied if funds are not available in the your checking account to cover the transaction - even in emergencies or while you are traveling.

How Do You "Opt-in"?
To Opt-in, please click here for the online form.  Or call (800) 944-2200, ext. 0, or stop by any First City branch for a printed copy.

*This regulation only includes debit transactions made at merchant locations.  It does not include checks, ACH electronic transactions, or online transactions, which will continue to be covered by Courtesy Pay on a discretionary basis for qualified members.

Courtesy Pay:
A Valuable Convenience—If Handled Responsibly
Courtesy Pay is an overdraft service provided to qualified First City checking account holders, to protect against Non-sufficient Funds (NSF).  Courtesy Pay covers overdrawn checking transactions*—including checks, ACH electronic payments, internet, and merchant debit purchases—up to a designated limit.

Courtesy Pay protects against the inconvenience and expense of NSFs.  And it can save you hundreds of dollars in merchant fees and penalties, while it protects your good name and credit rating.  At the same, the service must be handled with care. Here's why:

  • A $31 fee is charged each time the service is used (up to maximum of five items a day).
  • An item covered by Courtesy Pay must be paid within 15 days, or it will be referred to Collections, and an additional $25 fee will be charged.
  • If the item is not paid within 30 days, the service will be shut-off, and the item may be reported to credit agencies.  The member's checking account may also be closed.

To avoid using overdrawing your account, should regularly monitor your clearings, available balance, and deposits.   Our free FirstCitylink online banking service at, makes it easy. You can also use PhoneTeller, our 24-hour automated phone service, at 800-934-2489, or call (800) 944-2200, ext. 0 for personal assistance, 8 am - 6 pm, Monday-Friday..

Member checking transactions can also be covered by First City's Overdraft Protection service, with automatic transfers from available funds in regular Savings or Visa Platinum Credit Card account. There is a $5 fee to use this service. To request Overdraft Protection from your Savings Account, call (800) 944-2200, ext. 0, 8 am - 6:00 pm, Monday - Friday.  Apply here for a Visa Platinum Credit Card 24 hours a day, or dial ext. 5.

First City's Courtesy Pay service is non-contractual and discretionary. It is available only to members with accounts in good standing that have been open at least 60 days. We reserve the right to cancel the service at anytime, without notice.

Go GREEN With Us!
Sign up for eStatements!
Did you know that the printing of First City monthly statements requires about 1.4 million pieces of paper each year?  That's why we want to encourage members to receive their statements online.  Help us save our forest!  Sign up for eStatements!

Top 10 Reasons To Sign Up for eStatements

  1. It's safe and secure:  Banking on the internet (including, online banking, eStatements and bill payment) is the most secure way to do your banking.  It is fully encrypted within an electronically secured environment that only the account holder can access (assuming you do not give your PIN to anyone). It is certainly more secure than receiving your bills and statements in your mailbox!
  2. Your statements arrive faster:  eStatements are available to you the day they are processed (generally the first or second business day of each month).  Mailed statements are delivered around the sixth or seventh day of the month, depending on the statement processor and the U.S. Postal Service.
  3. They are easy to access:  After you sign-up, your next month's eStatement will be available within FirstCitylink online banking. When your eStatement is processed, you will receive an email telling you that it is available for viewing..  You can then access your statement by clicking on the eStatement button in online banking.
  4. Copies of your checks are instantly available:  A free copy of the front and back of your check (with endorsement) is available to view and print, simply by clicking on the check number in your eStatement.  With mailed statements, if you need a copy of a check, you would need to order it from the credit union, pay a small fee, and wait for it to arrive by mail.
  5. You have instant access to your last 12 months of statements:  eStatements are stored within online banking, and available for viewing, for a year.
  6. You can print eStatements if you want paper copies:  eStatements can be printed if you ever need a copy, or want to keep for your records.
  7. eStatements are GREEN!  Every year, printed statements require an enormous amount of paper.  SAVE A TREE!  Sign up for eStatements!
  8. eStatements save your credit union money:  Each mailed statement costs First City about $2.13, including the cost of the paper, printing, processing, and postage - and the costs are rising every year.  eStatements cost the credit union about 10-cents each.  Remember: credit union cost savings and earnings are returned to you, as a member/owner, in the form of better rates and higher quality services!
  9. eStatements, online banking, and bill payment are FREE:  There is no cost to use First City's online banking services. 
  10. It's easy to sign up:  To sign up for eStatements, simply click on the eStatement within FirstCitylink online banking.  If you are not registered for online banking, click on the "Sign-up" button in the FirstCitylink box on the home page of   

View Your Statements Online

Your First City monthly statements are now available within our FirstCitylink online banking service. eStatements are displayed in the same easy-to-read format as our printed statements – plus you’ll be able to view and print-out copies of your checks! If you are not yet registered for online banking, click on the “Sign-up” link in the FirstCitylink box at It’s easy, and it’s FREE!

New!  Special Offers for First City members


Member-only Aquarium of the Pacific Discounts
First City has signed up for the the Aquarium of the Pacific Member and Employee Online Discount Tickets Program. This means, as a member,  you can now buy discounted tickets for the Aquarium of the Pacific online!   You may purchase tickets by going directly to their online store at and entering this personalized Store Name: First City Credit Union

We hope you are able to visit the Aquarium of the Pacific soon!

Refer a Friend and You BOTH Get $25!

When you refer a friend, family member or co-worker for first city membership, you'll both receive $25! Have your friend submit the Referral Form and you'll get $25 when their new accounts are opened.

Who Can Join:

  • Employees of the companies and county departments the credit union serves, incuding the Sherriff's Department, Department of Social Services, The Claremont Colleges and many others.
  • The immediate family (parents, grandparents, children, and siblings) of First City members.  Roomates too!
  • Those who live, work, worship, or go to school in many communities throughout Los Angeles and parts of San Bernardino Counties

For more information, or to verify that the person you are referring can join, call (800) 944-2200, ext. 0 or visit the "Become a Member"  section.

Don't Get PHISHED!

"Phishing" is a term used by Internet fraud artists who send email lures to "fish" for private information, such as passwords and account numbers from consumers.  Personal information should never be provided to a site or email, unless you initiate a request or inquiry. And remember: First City, the National Credit Union Administration (NCUA), or any other reputable organization, would never solicit personal information from you through an email! If you suspect that you have been phished under the guise of First City's name, please call (800) 944-2200, ext. 0. For more information about protecting yourself from fraud, please visit the Federal Trade Commission site at

Online Banking Security Upgrade
Enhanced Login Procedures Provide Added Protection

Your online security is important to us. We have upgraded your online banking experience to include a new security service, which is known in the online security industry as Multifactor Authentication (MFA), to further help protect you from identity theft. At First City Credit Union we refer to this as Enhanced Login Security. With this enhanced login security, both your online banking password and your computer will be automatically recognized by our data processing systems. This feature will tell us if you’ve logged on to online banking from a public computer or one you have NOT used before. If you’re using a computer we do not recognize, we will e-mail a temporary passcode to your personal mobile phone. You will need to know the temporary passcode, in addition to your online banking password, to access your account. This will prevent unauthorized access to your accounts. Your Homebanking password will need to be changed semiannually for security reasons.  You will be prompted in Homebanking when the password change is required.

Signing Up for Enhanced Security

Simply sign up once, using the home banking login prompts for Enhanced Security, register your PC and email address, and you’re all set. The next time you log in, it’s business as usual. The rest of your online banking experience will remain the same. We’ve posted a list of Frequently Asked Questions about these new features here. For assistance or more information on Enhanced Login Security, please contact us at (800) 944-2200, ext. 0.





By using this web site's online banking service you agree that we have the right to monitor and record your activity on the online banking service, and report unauthorized access or illegal activity to law enforcement agencies.
NCUAEqual Housing Lender