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Fresno County Federal Credit Union

Are you considering joining Fresno County Federal Credit Union for a purchase or mortgage refinance loan? Does FCFCU offer competitive mortgage rates and fees compared to the best mortgage lenders? Remember there’s more to your home loan than getting a great rate, the fees you pay at closing make or break the deal you’re getting. Here’s my unbiased review of Fresno County Federal Credit Union services, interest rates and fees to help you make an informed decision without leaving cash on the table.

Fresno County Federal Credit Union

FCFCU is a member-owned financial cooperative serving 47,154 members in Fresno County, California.

Should you trust Fresno County Federal Credit Union with your home loan? How do they compare to other banks and credit unions for services, interest rates and fees?

Rating by Robert Regehr: 2.0 stars

Fresno County Federal Credit Union Profile

Founded January 24th, 1941 by eleven county workers, Fresno County Federal Credit Union was the brainchild of Fred E. Martin. Federally chartered in 1995, FCFCU currently has 47,154 members and $443,156,762 in assets according to the NCUA.

Membership is open to Fresno County employees and to employees of a select group of local employers, associations and the members of California Consumer Counsel.

FCFCU Contact Information

By Phone:

(559) 252-5000
Fax: (559) 437-2158



By Mail:

Fresno County Federal Credit Union
P.O. Box 8027
Fresno, CA 93747

Fresno County Federal Credit Union Review

The website is fairly basic and does not offer much information about mortgage loans and home equity lines of credit. Purchase and refinance rates are published on the website which provides an online application.

FCFCU claims to offer world-class home loan services. They partner with CU Members Mortgage offering services comparable to most credit unions. The website has a rate alert feature allowing you to track a target interest rate.

Purchase and mortgage refinance rates published on the site were comparable to those offered by nationwide lenders like Amerisave and Navy Federal Credit Union. Fresno County Federal Credit Union does charge a one percent origination fee which is reasonable; however, I’ve seen other credit unions charge as little as .25 percent.

I was able to request a refinance quote online which included a $395 appraisal fee. Term lengths available include 30, 20, 15 and 10-year conventional fixed-rate loans. There are also 3/1, 5/1 and 7/1 Adjustable Rate Mortgages, FHA and VA home loans available.

The purchase and mortgage refinancing rates and fees I found on the website were reasonable but nothing to write home about. Spend a little time rate and fee shopping and you can find better deals.

Do you have an experience or opinion of Fresno County Federal Credit Union that you’d like to share? Please leave a comment below!

One common mortgage mistake many of your neighbors make is getting hung up on finding the lowest interest rates at the expense of fees. Overpaying the loan origination fee or paying unnecessary discount points or junk fees reduces the benefit you’re getting from today’s low refinance rates. That’s why it’s important to shop for the lowest interest rates AND fees.

You can learn more about getting the best deal for your next home loan while avoiding unnecessary fees and markup by checking out my free Underground Mortgage Videos.

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