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 Families And Schools Together Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 12, 2026
Families And Schools Together Federal Credit Union's 2 Year Classic Club CD rates are at 3.55%, 3 Year Classic Club CD rates are at 3.55%, 2 Year IRA CD rates are at 3.50%, 2 Year CD rates are at 3.50%, 3 Year IRA CD rates are at 3.50%. Families And Schools Together Federal Credit Union's savings rates are at 0.03%. Families And Schools Together Federal Credit Union's Personal Loan Rates are as low as 9.99%. MonitorBankRates evaluates the financial stability of Families And Schools Together Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.75%. Rates last updated and verified on 09/12/2026. Families And Schools Together 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 Families And Schools Together Federal Credit Union? Share your experience about Families And Schools Together Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Families And Schools Together Federal Credit Union. Families And Schools Together Federal Credit Union
FAST PLAZA 312 W 7th St
https://www.fastcu.com Hanford, CA 93230 
Families And Schools Together Federal Credit Union CD Rates
Families And Schools Together Federal Credit Union Savings Rates
Families And Schools Together Federal Credit Union Auto Loan Rates
Families And Schools Together Federal Credit Union RV, Boat and Powersport Loan Rates
Families And Schools Together Federal Credit Union Personal Loan Rates
Families And Schools Together Federal Credit Union Other Rates
Financial Health HistoryFamilies And Schools Together Federal Credit Union’s Texas Ratio stayed near 0.36% in Q2 2023 to 0.75% 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Families And Schools Together 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 Families And Schools Together 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 Families And Schools Together Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Families And Schools Together Federal Credit Union
Website
https://www.fastcu.com
Address
312 W 7th St,
Hanford, CA 93230
Phone
559-584-0922
Fax
559-583-6948
President
William Fishbough
CEO
Paula Lehn
Full-Time Employees
42
Part-Time Employees
7
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.75%
Return on Assets (ROA)
0.6204%
Return on Equity (ROE)
3.1727%
Non-Performing Loans Ratio (NPL)
0.21%
Total Assets
328,114,326
Total Amount of Shares and Deposits
261,900,610
Total Shares and Deposits < 1 Year
255,700,634
Total Shares and Deposits 1 3 Years
6,199,976
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
28,487,501
Total Uninsured Shares and Deposits > $250K (F+J)
28,487,501
Total Insured Shares and Deposits > $250K (item 17 less item K)
233,413,109
Total Interest Expense (Sum of items 6 8)
440,930
Share Certificates
799
Number of Accounts for Share Drafts
16,146
IRA KEOGH Accounts
347
Number of Accounts for Regular Shares
19,635
All other shares
505
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)
41,183,152
Total Liabilities
264,189,665
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Families And Schools Together Federal Credit UnionHow many branches does Families And Schools Together Federal Credit Union operate?Families And Schools Together 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 Families And Schools Together Federal Credit Union?Yes, to access services at Families And Schools Together 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, Families And Schools Together 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, Families And Schools Together Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Families And Schools Together Federal Credit Union offer online and mobile banking?Most modern institutions like Families And Schools Together 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.fastcu.com. Current Families And Schools Together Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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