What are the current interest rates at Certified Federal Credit Union?

Current rates for Certified Federal Credit Union include: 12-Month CD: 3.30%, 18-Month CD: 3.15%, 24-Month CD: 3.05%, 60-Month CD: 3.10%, Savings: 0.05%, MMA: 0.35%

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Certified Federal Credit Union

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Certified Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Certified Federal 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: September 12, 2026

Certified Federal Credit Union's 6 Month Jumbo CDs rates are at 3.55%, 12 Month Jumbo CDs rates are at 3.50%, 12 Month Jumbo Traditional IRA CD rates are at 3.50%, 12 Month IRA CD rates are at 3.30%, 12 Month Jumbo CDs rates are at 3.30%. Certified Federal Credit Union's savings rates are at 0.05%. Certified Federal Credit Union's money market rates are at 0.35%. Certified Federal Credit Union's 15-Year Fixed rates are at 5.12%, 30-Year Mortgage Loan rates are at 5.88%, 20-Year Fixed rates are at 5.75%, 30-Year Fixed rates are at 5.88%, 30-Year Fixed - 30 Year Fixed rates are at 5.88%. Certified Federal Credit Union's Personal Loan Rates are as low as 10.90%. Certified Federal Credit Union's Credit Card Rates are at 17.90%. MonitorBankRates evaluates the financial stability of Certified Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.20%. Rates last updated and verified on 09/12/2026.

Certified Federal 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 Certified Federal Credit Union? Share your experience about Certified Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Certified Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.20%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Certified Federal Credit Union
El Monte

4455 Arden Dr
El Monte, CA 91731

https://www.certifiedfed.com

Certified Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Jumbo Share Certificates	3.49%	3.55%	6 months
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
12 Month Jumbo Share Certificates	3.44%	3.50%	12 months
Min Balance $95,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
12 Month Jumbo Traditional IRA Certificate	3.44%	3.50%	12 months
Min Balance $95,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
12 Month IRA Certificate	3.25%	3.30%	12 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
12 Month Jumbo Share Certificates	3.25%	3.30%	12 months
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
12 Month Jumbo Traditional IRA Certificate	3.25%	3.30%	12 months
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
12 Month Share Certificates	3.25%	3.30%	12 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
60 Month Jumbo Share Certificates	3.25%	3.30%	60 months
Min Balance $95,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
60 Month Jumbo Traditional IRA Certificate	3.25%	3.30%	60 months
Min Balance $95,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
18 Month IRA Certificate	3.10%	3.15%	18 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
18 Month Share Certificates	3.10%	3.15%	18 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
60 Month IRA Certificate	3.06%	3.10%	60 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
60 Month Share Certificates	3.06%	3.10%	60 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
24 Month IRA Certificate	3.00%	3.05%	24 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
24 Month Share Certificates	3.00%	3.05%	24 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
36 Month IRA Certificate	2.96%	3.00%	36 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
36 Month Share Certificates	2.96%	3.00%	36 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
6 Month Share Certificates	2.62%	2.65%	6 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

Certified Federal Credit Union Savings Rates

Product	Rate	APY	View More
Savings	0.05%	0.05%
Min Balance $0 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

Certified Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.34%	1.35%
Min Balance $100,000 Details Fees could reduce earnings on these accounts Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Money Market	1.00%	1.00%
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Money Market	0.60%	0.60%
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Money Market	0.35%	0.35%
Min Balance $0 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

Certified Federal Credit Union Checking Rates

Product	Rate	APY	View More
Share Draft (Checking)	0.04%	0.04%
Min Balance $0 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

Certified Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed	5.13%	-	5.32%	15-Year Fixed
Details Loan amount not to exceed $499,999 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
30-Year Mortgage Loan	-	-	5.88%	30-Year
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
20-Year Fixed	5.75%	-	5.90%	20-Year Fixed
Details Loan amount not to exceed $499,999 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
30-Year Fixed	5.88%	-	5.91%	30-Year Fixed
Details Loan amounts of $500,000 to $1,000,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
30-Year Fixed - 30 Year Fixed	5.88%	-	5.91%	30 Year Fixed
Details Loan amount not to exceed $499,999 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
10-Year Fixed	6.38%	-	6.77%	10-Year Fixed
Details Loan amounts of $25,000 to $250,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
15-Year Fixed	6.75%	-	6.98%	15-Year Fixed
Details Loan amounts of $25,000 to $250,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

Certified Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	3.99%	36 months
Details Rates effective as of January 20, 2025. Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Used Vehicle Loan	-	-	3.99%	36 months
Details Rates effective as of January 20, 2025. Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
New Vehicle Loan - 48 months	-	-	4.49%	48 months
Details Rates effective as of January 20, 2025. Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
New Vehicle Loan - 60 months	-	-	4.49%	60 months
Details Rates effective as of January 20, 2025. Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Used Vehicle Loan - 48 months	-	-	4.49%	48 months
Details Rates effective as of January 20, 2025. Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Used Vehicle Loan - 60 months	-	-	4.49%	60 months
Details Rates effective as of January 20, 2025. Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
New Vehicle Loan	-	-	4.99%	72 Months
Details Rates effective as of January 20, 2025. Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice. Minimum loan amount for 72 months = $15,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Used Vehicle Loan	-	-	4.99%	72 Months
Details Rates effective as of January 20, 2025. Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice. Minimum loan amount for 72 months = $15,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
New Vehicle Loan	-	-	5.49%	84 Months
Details Rates effective as of January 20, 2025. Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice. Minimum loan amount for 84 months is $25,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Used Vehicle Loan	-	-	5.49%	84 Months
Details Rates effective as of January 20, 2025. Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice. Minimum loan amount for 84 months is $25,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

Certified Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New or Used RV (75% of purchase) Loan	-	7.75%	15 Years
Details Rates accurate as of March 1, 2026. Standard rate based on Premier FICO score 750+. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
New or Used RV (90% of purchase) Loan	-	8.25%	15 Years
Details Rates accurate as of March 1, 2026. Standard rate based on Premier FICO score 750+. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Used Motorcycle Loan	-	8.49%	48 Months
Details Rates accurate as of March 1, 2026. Standard rate based on Premier FICO score 750+. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
New Motorcycle Loan	-	8.99%	60 Months
Details Rates accurate as of March 1, 2026. Standard rate based on Premier FICO score 750+. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
New or Used Boat (80% of purchase) Loan	-	8.99%	7 Years
Details Rates accurate as of March 1, 2026. Standard rate based on Premier FICO score 750+. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Personal Watercraft Loan	-	12.75%	48 Months
Details Rates accurate as of March 1, 2026. Standard rate based on Premier FICO score 750+. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

Certified Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
MORE Rewards Visa	-	17.90%
Details based on credit worthiness Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

Certified Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	10.90%	48 months
Details As Low As Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Personal Watercraft Loan	12.75%	48 Months
Details Rates accurate as of March 1, 2026. Standard rate based on Premier FICO score 750+. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

Certified Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Adjustable Rate Loan	-	-	6.75%	Adjustable Rate
Details Loan amounts of $25,000 to $250,000; Your variable interest rate will never increase or decrease by more than 2.00 percentage points each year and will never be less than 4.50% APR nor greater than 16.00% APR and will apply to the remaining principal balance. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
PayDay Loan	-	-	27.90%	1-12 months
Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Penalty APR Loan	-	-	17.90%
Details This penalty APR may be applied to your account if you make a late payment. How long will penalty APR apply? If your APR increases for this reason, the penalty APR will apply until you make six (6) consecutive minimum payments when due. Purchases during this time period will remain at penalty rate. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Solar Loans - 133 - 180 Months	-	-	10.50%	180 Months
Details FICO Score 680-719; Loan amounts from $5,000 to $75,000; Fixed Term from 5 to 15 years; No annual fee or prepayment fee; Signed contract required from Licensed Solar Contractor approved by Certified FCU; Permit approval required before funding; Property must be owner occupied primary residence located in California; Lien placed on property through UCC Financing Statement for all loans over $10,000 (A UCC Financing Statement is filed to perfect a security interest in named collateral and established priority in case of debtor default or bankruptcy); Late fee = 5% of payment after 10 days; Is interest deductible? We do not give tax advice Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Solar Loans - 133 - 180 Months	-	-	11.25%	180 Months
Details FICO Score 620-679; Loan amounts from $5,000 to $75,000; Fixed Term from 5 to 15 years; No annual fee or prepayment fee; Signed contract required from Licensed Solar Contractor approved by Certified FCU; Permit approval required before funding; Property must be owner occupied primary residence located in California; Lien placed on property through UCC Financing Statement for all loans over $10,000 (A UCC Financing Statement is filed to perfect a security interest in named collateral and established priority in case of debtor default or bankruptcy); Late fee = 5% of payment after 10 days; Is interest deductible? We do not give tax advice Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Solar Loans - 133 - 180 Months	-	-	11.99%	180 Months
Details FICO Score 600-619; Loan amounts from $5,000 to $75,000; Fixed Term from 5 to 15 years; No annual fee or prepayment fee; Signed contract required from Licensed Solar Contractor approved by Certified FCU; Permit approval required before funding; Property must be owner occupied primary residence located in California; Lien placed on property through UCC Financing Statement for all loans over $10,000 (A UCC Financing Statement is filed to perfect a security interest in named collateral and established priority in case of debtor default or bankruptcy); Late fee = 5% of payment after 10 days; Is interest deductible? We do not give tax advice Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Solar Loans - 133 - 180 Months	-	-	9.99%	180 Months
Details FICO Score 720+; Loan amounts from $5,000 to $75,000; Fixed Term from 5 to 15 years; No annual fee or prepayment fee; Signed contract required from Licensed Solar Contractor approved by Certified FCU; Permit approval required before funding; Property must be owner occupied primary residence located in California; Lien placed on property through UCC Financing Statement for all loans over $10,000 (A UCC Financing Statement is filed to perfect a security interest in named collateral and established priority in case of debtor default or bankruptcy); Late fee = 5% of payment after 10 days; Is interest deductible? We do not give tax advice Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Solar Loans - 85 - 132 Months	-	-	10.50%	132 Months
Details FICO Score 600-619; Loan amounts from $5,000 to $75,000; Fixed Term from 5 to 15 years; No annual fee or prepayment fee; Signed contract required from Licensed Solar Contractor approved by Certified FCU; Permit approval required before funding; Property must be owner occupied primary residence located in California; Lien placed on property through UCC Financing Statement for all loans over $10,000 (A UCC Financing Statement is filed to perfect a security interest in named collateral and established priority in case of debtor default or bankruptcy); Late fee = 5% of payment after 10 days; Is interest deductible? We do not give tax advice Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Solar Loans - 85 - 132 Months	-	-	8.75%	132 Months
Details FICO Score 720+; Loan amounts from $5,000 to $75,000; Fixed Term from 5 to 15 years; No annual fee or prepayment fee; Signed contract required from Licensed Solar Contractor approved by Certified FCU; Permit approval required before funding; Property must be owner occupied primary residence located in California; Lien placed on property through UCC Financing Statement for all loans over $10,000 (A UCC Financing Statement is filed to perfect a security interest in named collateral and established priority in case of debtor default or bankruptcy); Late fee = 5% of payment after 10 days; Is interest deductible? We do not give tax advice Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Solar Loans - 85 - 132 Months	-	-	9.25%	132 Months
Details FICO Score 680-719; Loan amounts from $5,000 to $75,000; Fixed Term from 5 to 15 years; No annual fee or prepayment fee; Signed contract required from Licensed Solar Contractor approved by Certified FCU; Permit approval required before funding; Property must be owner occupied primary residence located in California; Lien placed on property through UCC Financing Statement for all loans over $10,000 (A UCC Financing Statement is filed to perfect a security interest in named collateral and established priority in case of debtor default or bankruptcy); Late fee = 5% of payment after 10 days; Is interest deductible? We do not give tax advice Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Solar Loans - 85 - 132 Months	-	-	9.99%	132 Months
Details FICO Score 620-679; Loan amounts from $5,000 to $75,000; Fixed Term from 5 to 15 years; No annual fee or prepayment fee; Signed contract required from Licensed Solar Contractor approved by Certified FCU; Permit approval required before funding; Property must be owner occupied primary residence located in California; Lien placed on property through UCC Financing Statement for all loans over $10,000 (A UCC Financing Statement is filed to perfect a security interest in named collateral and established priority in case of debtor default or bankruptcy); Late fee = 5% of payment after 10 days; Is interest deductible? We do not give tax advice Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Solar Loans - Up to 84 Months	-	-	8.75%	Up to 84 Months
Details FICO Score 720+; Loan amounts from $5,000 to $75,000; Fixed Term from 5 to 15 years; No annual fee or prepayment fee; Signed contract required from Licensed Solar Contractor approved by Certified FCU; Permit approval required before funding; Property must be owner occupied primary residence located in California; Lien placed on property through UCC Financing Statement for all loans over $10,000 (A UCC Financing Statement is filed to perfect a security interest in named collateral and established priority in case of debtor default or bankruptcy); Late fee = 5% of payment after 10 days; Is interest deductible? We do not give tax advice Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Solar Loans - Up to 84 Months	-	-	8.99%	Up to 84 Months
Details FICO Score 680-719; Loan amounts from $5,000 to $75,000; Fixed Term from 5 to 15 years; No annual fee or prepayment fee; Signed contract required from Licensed Solar Contractor approved by Certified FCU; Permit approval required before funding; Property must be owner occupied primary residence located in California; Lien placed on property through UCC Financing Statement for all loans over $10,000 (A UCC Financing Statement is filed to perfect a security interest in named collateral and established priority in case of debtor default or bankruptcy); Late fee = 5% of payment after 10 days; Is interest deductible? We do not give tax advice Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Solar Loans - Up to 84 Months	-	-	9.50%	Up to 84 Months
Details FICO Score 620-679; Loan amounts from $5,000 to $75,000; Fixed Term from 5 to 15 years; No annual fee or prepayment fee; Signed contract required from Licensed Solar Contractor approved by Certified FCU; Permit approval required before funding; Property must be owner occupied primary residence located in California; Lien placed on property through UCC Financing Statement for all loans over $10,000 (A UCC Financing Statement is filed to perfect a security interest in named collateral and established priority in case of debtor default or bankruptcy); Late fee = 5% of payment after 10 days; Is interest deductible? We do not give tax advice Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Solar Loans - Up to 84 Months	-	-	9.99%	Up to 84 Months
Details FICO Score 600-619; Loan amounts from $5,000 to $75,000; Fixed Term from 5 to 15 years; No annual fee or prepayment fee; Signed contract required from Licensed Solar Contractor approved by Certified FCU; Permit approval required before funding; Property must be owner occupied primary residence located in California; Lien placed on property through UCC Financing Statement for all loans over $10,000 (A UCC Financing Statement is filed to perfect a security interest in named collateral and established priority in case of debtor default or bankruptcy); Late fee = 5% of payment after 10 days; Is interest deductible? We do not give tax advice Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Uniform/Union Dues Loan	-	-	17.90%	$10/Week
Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
IRA	1.24%	-	1.25%	Variable Daily Rate
Min Balance $0 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

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

Certified Federal Credit Union’s Texas Ratio stayed near 1.32% in Q2 2023 to 1.20% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$920M	1.20%	5.0	A+
December 31, 2025	$903M	1.66%	5.0	A+
September 30, 2025	$899M	1.50%	5.0	A+
June 30, 2025	$896M	1.22%	5.0	A+
March 31, 2025	$895M	1.13%	5.0	A+
December 31, 2024	$872M	1.96%	5.0	A+
September 30, 2024	$782M	2.08%	5.0	A+
June 30, 2024	$788M	1.54%	5.0	A+
March 31, 2024	$793M	1.58%	5.0	A+
December 31, 2023	$782M	1.84%	5.0	A+
September 30, 2023	$789M	1.75%	5.0	A+
June 30, 2023	$794M	1.32%	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 Certified Federal 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 Certified Federal 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 Certified Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Certified Federal Credit Union

Website https://www.certifiedfed.com

Address 4455 Arden Dr, El Monte, CA 91731

Phone 626-444-1972

Fax 626-350-5850

President Gary Hammett

CEO Stephen Weakley

Full-Time Employees 124

Part-Time Employees 3

Branch Locations 12

ATM Locations 7

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.20%

Return on Assets (ROA)

0.3127%

Return on Equity (ROE)

1.5241%

Non-Performing Loans Ratio (NPL)

0.42%

Total Assets

919,973,315

Total Amount of Shares and Deposits

720,822,866

Total Shares and Deposits < 1 Year

665,014,021

Total Shares and Deposits 1 3 Years

42,587,140

Total Shares and Deposits > 3 Years

13,221,704

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

71,135,425

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

71,135,425

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

649,687,441

Total Interest Expense (Sum of items 6 8)

2,717,507

Share Certificates

3,257

Number of Accounts for Share Drafts

45,635

IRA KEOGH Accounts

2,361

Number of Accounts for Regular Shares

67,599

Non Member Deposits

Money Market Shares

1,842

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)

68,993,479

Total Liabilities

732,765,839

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Certified Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Certified Federal Credit Union

How many branches does Certified Federal Credit Union operate?

Certified Federal 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 Certified Federal Credit Union?

Yes, to access services at Certified Federal 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, Certified Federal 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, Certified Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Certified Federal Credit Union offer online and mobile banking?

Most modern institutions like Certified Federal 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.certifiedfed.com.

Current Certified Federal Credit Union Rates

12-Month CD3.30%
18-Month CD3.15%
24-Month CD3.05%
60-Month CD3.10%
Savings0.05%
MMA0.35%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Certified Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Certified Federal Credit Union Texas Ratio

Certified Federal Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Certified Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Certified Federal Credit Union

How many branches does Certified Federal Credit Union operate?

Is a member application needed to join Certified Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Certified Federal Credit Union offer online and mobile banking?

Current Certified Federal Credit Union Rates

Compare to Other Credit Unions