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Community First Credit Union


2375 California Blvd., Ste. D
Napa, CA 94558
Last Updated: September 17, 2018




About Community First Credit Union

About Us

Who Are We?

Community First is Here For Good.

Any resident of North Bay counties (Sonoma, Napa, Marin, Mendocino), and their immediate family members, can be a Member of Community First. 

As a financial cooperative, we are here to do good things for the residents and economy of the North Bay. We've been providing Good since 1961. 

Every day we deliver on our mission statement by “providing the best value in banking services with direct benefits to the LOCAL economy.”

Like you, we live here, raise our families here, educate ourselves and our children here, and recreate here. All of us at Community First think and act as stewards of the North Bay counties –– economically and environmentally.

The California Department of Financial Institutions has bestowed Community First with a “Community” Charter. That means we can only take deposits from local residents, and can only make loans to local residents. Whereas a big bank might take paychecks earned here in the North Bay and loan that money elsewhere. Maybe to L.A., Houston or Dubai. That helps the economy. There. But not here. Not in your back yard. Where it matters to you.

You “vote” with every dollar you spend. Also with every dollar you invest. When you bank at Community First, you are voting to invest where you live. That local investment helps people buy local homes and cars, and helps local businesses strive, thrive and add jobs. All that recirculation of local money helps pay local taxes, which fund local schools, police, roads, vital services, firefighters ... where YOU live! That's the local difference of Community First.

All the while, you enjoy better rates, higher ethics and don't have to give up any conveniences. As they might say in New Jersey, a distinctly non-local place, "Yo, what's not to like?



"We had a hard time getting decent service or loans from the banks," rememberedKen Johnson. Ken, along with fellow educators Zollie SutherlandGordon Hansen,William HillardWalt ReevesRichard Hunt and Bob Bache - each ponied up $10 to satisfy the incorporation fee at the time to form a credit union. Sonoma County Schools Credit Union was granted operating status on Jan. 18, 1961.

The most involved job of the all-volunteer credit union was Treasurer. To offer some compensation for the extra hours, the original by-laws deemed the Treasurer would draw "from 25% of whatever excess funds remained after satisfying all expenses." In the first month 90¢ of excess revenue remained. Gordon Hansen, our inaugural Treasurer, netted a whopping windfall of 22¢ for his myriad hours of work.

By the second month the post of Treasurer transferred to Zollie Sutherland and his wife. For the next five years the credit union was run from the Sutherland's kitchen table. "We didn't have any regular hours of operation, but if we hadn't yet gone to bed then we were open for business," said Sutherland.

When assets of the credit union approached $500,000, it was too much to run from a kitchen table, and the first employee - Maggie Wattles - was hired in 1966. Maggie served as this credit union's top manager from 1970 to 1986. Her daughter, Lynne Gradek, is in her 36th year of working for us.

In 1999 the credit union was re-chartered from a SEG (select employee group, in this case Sonoma County educators) to a Community Charter (any resident, student or someone doing business in Sonoma County). In September 2007, the California Department of Financial Institutions, showing its confidence in our ability to manage growth while keeping the quality of Member services at extremely high levels, granted an expansion of the Community Charter to include residents of Mendocino County. In July 2011, the DFI granted an expansion of our charter to include Marin County. In December 2012, Community First took over the assets and membership of Health Care Professionals of Napa Federal Credit Union (formerly Queen of the Valley Hospital CU).

Community First is the second-largest financial cooperative based in the North Bay. As of Jan. 1, 2015, we had 17,250 local co-op Members and assets of $173 million.


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