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Foothill Credit Union Rates & Review March 2026

Foothill Credit Union's Jumbo CDs 60 Month rates are at 4.00%, Jumbo IRA CD 60 Month rates are at 4.00%, Regular IRA CD 60 Month rates are at 3.95%, 60 Month CDs rates are at 3.95%, Youth Saver CD 12 Month rates are at 3.75%. Foothill Credit Union's savings rates are at 0.05%. Foothill Credit Union's money market rates are at 0.30%. Foothill Credit Union's Fixed Rate Mortgage rates are at 5.38%, Fixed Rate Mortgage rates are at 5.50%, 5/1 ARM rates are at 5.12%, 7/1 ARM rates are at 5.38%, 10/1 ARM rates are at 5.62%. Foothill Credit Union's Personal Loan Rates are at 9.50%. MonitorBankRates evaluates the financial stability of Foothill Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.23%. Rates were last updated on 03/20/2026.

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

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.23%
Excellent Lower than avg
Dickinson County Bank
Corporate Office
250 W Colorado Blvd
Arcadia, CA 91007
http://www.foothillcu.org
Member NCUA

Foothill Credit Union CD Rates

Product Rate APY Term View More
Jumbo Certificates 60 Month 3.92% 4.00% 60 Month
Min Deposit $50,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Jumbo IRA Certificate 60 Month 3.92% 4.00% 60 Month
Min Deposit $50,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Regular IRA Certificate 60 Month 3.87% 3.95% 60 Month
Min Balance $2,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
60 Month Share Certificates 3.87% 3.95% 60 Month
Min Balance $2,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Youth Saver Certificate 12 Month 3.68% 3.75% 12 Month
Min Deposit $25
Min Balance $25
Details Additional $25 deposits will be allowed at anytime. One penalty free withdrawal during 12-month term. Only Youth Account members are allowed to have a Youth Saver Certificate. Youth Saver Certificate available until the age of 24.
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
12 Month Core Certificate 3.44% 3.50% 12 Month
Min Deposit $500
Min Balance $500
Details Account minimum is $500, maximum balance is $50,000. Members may open multiple Core Certificates for a maximum deposit of $50,000. Core group includes employees who work for our educator, healthcare, and government municipalities partners.
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Jumbo Certificates 48 Month 3.44% 3.50% 48 Month
Min Deposit $50,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Jumbo IRA Certificate 48 Month 3.44% 3.50% 48 Month
Min Deposit $50,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Regular IRA Certificate 48 Month 3.39% 3.45% 48 Month
Min Balance $2,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
48 Month Share Certificates 3.39% 3.45% 48 Month
Min Balance $2,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Jumbo Certificates 36 Month 3.30% 3.35% 36 Month
Min Deposit $50,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Jumbo IRA Certificate 36 Month 3.30% 3.35% 36 Month
Min Deposit $50,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Regular IRA Certificate 36 Month 3.25% 3.30% 36 Month
Min Balance $2,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
36 Month Share Certificates 3.25% 3.30% 36 Month
Min Balance $2,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
28 Month Share Certificates 3.15% 3.20% 28 Month
Min Balance $2,000
Details Online only
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Jumbo Certificates 24 Month 3.10% 3.15% 24 Month
Min Deposit $50,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Jumbo Certificates 6 Month 3.10% 3.15% 6 Month
Min Deposit $50,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Jumbo Certificates 9 Month 3.10% 3.15% 9 Month
Min Deposit $50,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Jumbo IRA Certificate 24 Month 3.10% 3.15% 24 Month
Min Deposit $50,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Regular IRA Certificate 24 Month 3.05% 3.10% 24 Month
Min Balance $2,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
6 Month Share Certificates 3.05% 3.10% 6 Month
Min Balance $2,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Jumbo Certificates 12 Month 2.96% 3.00% 12 Month
Min Deposit $50,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Jumbo IRA Certificate 12 Month 2.96% 3.00% 12 Month
Min Deposit $50,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Regular IRA Certificate 12 Month 2.91% 2.95% 12 Month
Min Balance $2,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
12 Month Share Certificates 2.91% 2.95% 12 Month
Min Balance $2,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%

Foothill Credit Union Savings Rates

Product Rate APY View More
Summertime Savings for School Employees 5.83% 6.00%
Min Deposit $50
Min Balance $50
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Flex Savings (New Money Only) 3.19% 3.25%
Min Deposit $2,000
Min Balance $2,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Educator Plus Savings 0.55% 0.55%
Min Deposit $0
Min Balance $0
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Christmas Club 0.45% 0.45%
Min Deposit $50
Min Balance $50
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Rainy Day Savings (less than 0.45% 0.45%
Min Deposit $5
Min Balance $5
Details $2,500
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Summertime Savings 0.45% 0.45%
Min Deposit $50
Min Balance $50
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Rainy Day Savings 0.05% 0.05%
Min Deposit $5
Min Balance $5
Details $2,500+
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Young Adults Savings 0.05% 0.05%
Min Balance $5
Details A 0.05% rate bonus when balance reaches $500, $1,000, and $1,500.
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Youth Savings - 0.05%
Min Deposit $5
Min Balance $5
Details Minimum balance to earn dividends is $5.00
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%

Foothill Credit Union Money Market Rates

Product Rate APY View More
Money Market Account 0.65% 0.65%
Min Balance $250,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Money Market Account 0.60% 0.60%
Min Balance $100,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Money Market Account 0.50% 0.50%
Min Balance $50,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Money Market Account 0.45% 0.45%
Min Balance $20,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Money Market Account 0.40% 0.40%
Min Balance $10,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Money Market Account 0.35% 0.35%
Min Balance $2,500
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Money Market Account 0.30% 0.30%
Min Balance $1,000
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%

Foothill Credit Union Checking Rates

Product Rate APY View More
Protection Plus Checking 3.19% 3.25%
Min Balance $0
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Rewards Checking 3.19% 3.25%
Min Balance $0
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Protection Plus Checking 1.00% 1.00%
Min Balance $0
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Rewards Checking 1.00% 1.00%
Min Balance $0
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Protection Plus Checking 0.50% 0.50%
Min Balance $0
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Rewards Checking 0.50% 0.50%
Min Balance $0
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Protection Plus Checking 0.10% 0.10%
Min Balance $0
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Rewards Checking 0.10% 0.10%
Min Balance $0
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%

Foothill Credit Union Mortgage Rates

Product Rate Points APR Term View More
Career Advancement Loan - - 3.25%
Details Loan rate of 3.25% APR - 8.25% APR* (Rates subject to change). Requires proof of enrollment in approved program at funding. Must work for any school, hospital, or city municipalities. Limit of one Career Advancement loan per member. All proceeds will be paid directly to the member.
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Fixed Rate Mortgage 5.38% 0.500 5.59% 15 year
No additional details.
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Fixed Rate Mortgage 5.50% 0.000 5.64% 15 year
No additional details.
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
5/1 ARM 5.13% 0.000 5.88% 5/1
No additional details.
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
7/1 ARM 5.38% 0.000 5.88% 7/1
No additional details.
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
10/1 ARM 5.63% 0.000 5.91% 10/1
No additional details.
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Fixed Rate Mortgage 5.75% 0.500 5.92% 20 year
No additional details.
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Fixed Rate Mortgage 5.88% 0.000 5.99% 20 year
No additional details.
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Fixed Rate Mortgage 5.88% 0.500 6.00% 30 year
No additional details.
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Fixed Rate Mortgage 6.00% 0.000 6.08% 30 year
No additional details.
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%

Foothill Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - 80% CLTV - - 4.99% 180 Months
Details Intro rate expires: 12 Month; Regular APR: 6.50%
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Home Equity Line of Credit Intro Rate - - 4.99%
Details Intro rate expires: 12 Months
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Home Equity Loan - - 6.49% 120
Details 80% financing
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%

Foothill Credit Union Credit Card Rates

Product Rate APR View More
Platinum Mastercard - 12.25%
Details Regular APR: 12.25%-18.00%
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Rewards Mastercard - 13.75%
Details Regular APR: 13.75%-18.00%
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%

Foothill Credit Union Personal Loan Rates

Product Rate APR View More
Personal Loan - 9.50%
Details As Low As
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Personal Loan - 10.50%
Details As Low As
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Personal Loan - 10.75%
Details As Low As; Personal Loan terms from 1 to 60 Months. Rate range from as low as 10.75% APR up to 18.00% APR maximum. All loans subject to credit approval. Rate and term determined based on creditworthiness. The rate will not increase while the loan is standing. Cannot be combined with any other offer. Credit Union membership required with a minimum deposit of $5.00. Some restrictions apply. Rates and terms subject to change without notice. Speak to a Foothill rep for more info.
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Personal Line of Credit - 11.25%
Details As Low As
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%
Personal Loan - 11.25%
Details As Low As
Last Updated 03/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.23%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Foothill 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 Foothill 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 Foothill Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Foothill Credit Union
Address 250 W Colorado Blvd, Arcadia, CA 91007
Phone 626-445-0950
Fax 626-445-8042
President Scott Petterson
CEO Mike Terzian
Full-Time Employees 107
Part-Time Employees 1
Branch Locations 5
ATM Locations 5
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
1.23%
Return on Assets (ROA)
0.4692%
Return on Equity (ROE)
3.8570%
Non-Performing Loans Ratio (NPL)
0.22%
Total Assets
774,070,419
Total Amount of Shares and Deposits
650,942,751
Total Shares and Deposits < 1 Year
636,572,000
Total Shares and Deposits 1 3 Years
10,187,199
Total Shares and Deposits > 3 Years
4,183,552
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
40,680,892
Total Uninsured Shares and Deposits > $250K (F+J)
40,680,892
Total Insured Shares and Deposits > $250K (item 17 less item K)
610,261,859
Total Interest Expense (Sum of items 6 8)
9,211,520
Share Certificates
6,397
Number of Accounts for Share Drafts
26,770
IRA KEOGH Accounts
1,188
Number of Accounts for Regular Shares
42,940
Money Market Shares
1,586
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
40,566,265
Total Liabilities
686,243,773
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Foothill Credit Union

Is Foothill Credit Union a safe place to deposit money?

Yes, Foothill Credit Union is considered a safe financial institution. With a Texas Ratio of 1.227850490404%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Foothill Credit Union operate?

Foothill 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 Foothill Credit Union?

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

Does Foothill Credit Union offer online and mobile banking?

Most modern institutions like Foothill 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: http://www.foothillcu.org.

Current Foothill Credit Union Rates

  • 12-Month CD2.95%
  • 24-Month CD3.10%
  • 60-Month CD3.95%
  • Savings0.05%
  • MMA0.30%
Retrieved from our database of financial products. Rates subject to change.