What are the current interest rates at Alhambra Credit Union?

Current rates for Alhambra Credit Union include: 12-Month CD: 3.76%, 24-Month CD: 3.25%, 60-Month CD: 3.00%, MMA: 0.05%

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Alhambra Credit Union

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Alhambra Credit Union Rates & Review September 2026

Q: How many branches does Alhambra Credit Union operate?

Alhambra Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Alhambra Credit Union?

Yes, to access services at Alhambra Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Alhambra Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Alhambra Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 31, 2026

Alhambra Credit Union's 1 Year One Year CD rates are at 3.76%, 6 month Six Month CD rates are at 3.76%, 2 Years Two Year CD rates are at 3.25%, 5 Years Five Year CD rates are at 3.00%, 3 Years Three Year CD rates are at 2.78%. Alhambra Credit Union's money market rates are at 0.05%. Alhambra Credit Union's Personal Loan Rates are at 10.99%. MonitorBankRates evaluates the financial stability of Alhambra Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.98%. Rates last updated and verified on 08/31/2026.

Alhambra Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Alhambra Credit Union? Share your experience about Alhambra Credit Union by leaving a review below, or read customer reviews before you decide to use Alhambra Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.98%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Alhambra Credit Union
Alhambra Credit Union

7339 N 35th Ave
Phoenix, AZ 85051

https://www.alhambracu.com

Alhambra Credit Union CD Rates

Product	Rate	APY	Term
1 Year One Year Term Share	3.70%	3.76%	1 Year
Min Balance $1,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.98%
6 month Six Month Term Share	3.70%	3.76%	6 Months
Min Balance $1,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.98%
2 Years Two Year Term Share	3.21%	3.25%	2 Years
Min Balance $1,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.98%
5 Years Five Year Term Share	2.97%	3.00%	5 Years
Min Balance $1,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.98%
3 Years Three Year Term Share	2.75%	2.78%	3 Years
Min Balance $1,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.98%

Alhambra Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.15%	0.15%
Min Balance $50,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.98%
Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.00 to $49,999.99 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.98%
Money Market	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000.00 to $9,999.99 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.98%

Alhambra Credit Union Checking Rates

Product	Rate	APY	View More
Checking	0.05%	0.05%
Min Balance $1,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.98%

Alhambra Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	4.99%	60 Months
Details New Vehicle Loans as low as: Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.98%
Used Vehicle Loan	-	-	5.49%	60 Months
Details Used Vehicle Loans as low as Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.98%
New Vehicle Loan	-	-	5.50%	72 Months
Details New Vehicle Loans as low as: Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.98%
New Vehicle Loan	-	-	6.00%	84 Months
Details New Vehicle Loans as low as: Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.98%
Used Vehicle Loan	-	-	6.00%	72 Months
Details Used Vehicle Loans as low as Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.98%
Used Vehicle Loan	-	-	7.00%	84 Months
Details Used Vehicle Loans as low as Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.98%

Alhambra Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Cards	-	11.99%
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.98%

Alhambra Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	10.99%	36 Months
Details Personal Line of Credit (PLC) / Signature Loans Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.98%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Alhambra Credit Union’s Texas Ratio rose from 4.85% in Q2 2023 to 8.98% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$34M	8.98%	5.0	A
December 31, 2025	$33M	9.54%	5.0	A
September 30, 2025	$32M	12.40%	5.0	A
June 30, 2025	$34M	14.54%	5.0	A-
March 31, 2025	$32M	13.27%	5.0	A
December 31, 2024	$31M	8.25%	5.0	A
September 30, 2024	$30M	7.50%	5.0	A
June 30, 2024	$30M	6.30%	5.0	A
March 31, 2024	$31M	5.10%	5.0	A+
December 31, 2023	$31M	8.02%	5.0	A
September 30, 2023	$33M	11.03%	5.0	A
June 30, 2023	$34M	4.85%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Alhambra Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Alhambra Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Alhambra Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Alhambra Credit Union

Website https://www.alhambracu.com

Address 7339 N 35th Ave, Phoenix, AZ 85051

Phone 602-246-5120

Fax 602-433-1437

President Cathy Poplin-Lutz

CEO Edward Moraga

Full-Time Employees 12

Part-Time Employees 2

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.98%

Return on Assets (ROA)

-0.0050%

Return on Equity (ROE)

-0.0553%

Non-Performing Loans Ratio (NPL)

1.46%

Total Assets

34,170,147

Total Amount of Shares and Deposits

30,734,455

Total Shares and Deposits < 1 Year

30,527,592

Total Shares and Deposits 1 3 Years

172,472

Total Shares and Deposits > 3 Years

34,392

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,588,687

Total Uninsured Shares and Deposits > $250K (F+J)

1,588,687

Total Insured Shares and Deposits > $250K (item 17 less item K)

29,145,768

Total Interest Expense (Sum of items 6 8)

70,783

Share Certificates

170

Number of Accounts for Share Drafts

2,075

IRA KEOGH Accounts

Number of Accounts for Regular Shares

5,575

Money Market Shares

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,551,003

Total Liabilities

31,083,275

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Alhambra Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Average Rating

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Total Reviews

Add Your Rating and Review for Alhambra Credit Union

Frequently Asked Questions About Alhambra Credit Union

How many branches does Alhambra Credit Union operate?

Alhambra Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Alhambra Credit Union?

Yes, to access services at Alhambra Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Alhambra Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Alhambra Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Alhambra Credit Union offer online and mobile banking?

Most modern institutions like Alhambra Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.alhambracu.com.