What are the current interest rates at Ontario-Montclair School Employees Federal Credit Union?

Current rates for Ontario-Montclair School Employees Federal Credit Union include: 12-Month CD: 3.80%, 18-Month CD: 3.82%, 24-Month CD: 3.85%, 60-Month CD: 4.00%, Savings: 0.10%, MMA: 0.70%

MonitorBankRates

☰

Home›
Credit Unions›
Ontario-Montclair School Employees Federal Credit Union

iAdvertiser Disclosure

Ontario-Montclair School Employees Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Ontario-Montclair School Employees 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

Ontario-Montclair School Employees Federal Credit Union's 5 year CD rates are at 4.00%, 60 month IRA CD (60 mo) rates are at 4.00%, 4 year CD rates are at 3.90%, 48 month IRA CD (48 mo) rates are at 3.90%, 3 year CD rates are at 3.86%. Ontario-Montclair School Employees Federal Credit Union's savings rates are at 0.10%. Ontario-Montclair School Employees Federal Credit Union's money market rates are at 0.70%. Ontario-Montclair School Employees Federal Credit Union's Personal Loan Rates are as low as 7.99%. Ontario-Montclair School Employees Federal Credit Union's Credit Card Rates are at 8.48%. MonitorBankRates evaluates the financial stability of Ontario-Montclair School Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.20%. Rates last updated and verified on 09/12/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.20%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Ontario-Montclair School Employees Federal Credit Union
Vida FCU

1520 N Palmetto Ave
Ontario, CA 91762

https://www.omsefcu.org

Ontario-Montclair School Employees Federal Credit Union CD Rates

Product	Rate	APY	Term
5 year certificate	3.92%	4.00%	5 years
Min Deposit $1,000 Min Balance $1,000 Details Early W/D Penalty: 180 days Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
60 month IRA Certificate (60 mo)	3.92%	4.00%	60 months
Min Deposit $500 Min Balance $500 Details Early W/D Penalty: 180 days Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
4 year certificate	3.83%	3.90%	4 years
Min Deposit $1,000 Min Balance $1,000 Details Early W/D Penalty: 180 days Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
48 month IRA Certificate (48 mo)	3.83%	3.90%	48 months
Min Deposit $500 Min Balance $500 Details Early W/D Penalty: 180 days Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
3 year certificate	3.79%	3.86%	3 years
Min Deposit $1,000 Min Balance $1,000 Details Early W/D Penalty: 180 days Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
36 month IRA Certificate (36 mo)	3.79%	3.86%	36 months
Min Deposit $500 Min Balance $500 Details Early W/D Penalty: 180 days Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
2 year certificate	3.78%	3.85%	2 years
Min Deposit $1,000 Min Balance $1,000 Details Early W/D Penalty: 180 days Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
24 month IRA Certificate (24 mo)	3.78%	3.85%	24 months
Min Deposit $500 Min Balance $500 Details Early W/D Penalty: 180 days Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
18 month certificate	3.75%	3.82%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Early W/D Penalty: 90 days Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
18 month IRA Certificate (18 mo)	3.75%	3.82%	18 months
Min Deposit $500 Min Balance $500 Details Early W/D Penalty: 90 days Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
1 year certificate	3.73%	3.80%	1 year
Min Deposit $1,000 Min Balance $1,000 Details Early W/D Penalty: 90 days Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
12 month IRA Certificate (12 mo)	3.73%	3.80%	12 months
Min Deposit $500 Min Balance $500 Details Early W/D Penalty: 90 days Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
9 month certificate	3.24%	3.29%	9 months
Min Deposit $1,000 Min Balance $1,000 Details Early W/D Penalty: 60 days Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
6 month certificate	3.06%	3.11%	6 months
Min Deposit $2,500 Min Balance $2,500 Details Early W/D Penalty: 60 days Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
3 month certificate	2.67%	2.71%	3 months
Min Deposit $5,000 Min Balance $5,000 Details Early W/D Penalty: 60 days Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%

Ontario-Montclair School Employees Federal Credit Union Savings Rates

Product	Rate	APY
Summer Saver w/ Loyalty Rewards	6.30%	6.50%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
Summer Saver	5.83%	6.00%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
Advantage Savings	0.55%	0.55%
Min Balance $25,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
Plus Savings	0.40%	0.40%
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
Regular Savings	0.10%	0.10%
Min Balance $5 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%

Ontario-Montclair School Employees Federal Credit Union Checking Rates

Product	Rate	APY
Money Market Checking	0.70%	0.70%
Min Balance $2,500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
Checking	0.10%	0.10%
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%

Ontario-Montclair School Employees Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Automobile	-	-	4.57%	48 Months
Details Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Receive 0.5% rate discount for EV, hybrid, or zero emissions vehicle. No payments for up to 90-days. Utilizing the 90-day no payment option will slightly increase your payment. Finance charges continue to accrue during the deferral period. Deferring your payment may cause a delay in principal reduction. Additional terms available at other rates. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
New and Used Automobile	-	-	4.58%	60 Months
Details Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Receive 0.5% rate discount for EV, hybrid, or zero emissions vehicle. No payments for up to 90-days. Utilizing the 90-day no payment option will slightly increase your payment. Finance charges continue to accrue during the deferral period. Deferring your payment may cause a delay in principal reduction. Additional terms available at other rates. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
New and Used Automobile	-	-	4.88%	72 Months
Details Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Receive 0.5% rate discount for EV, hybrid, or zero emissions vehicle. No payments for up to 90-days. Utilizing the 90-day no payment option will slightly increase your payment. Finance charges continue to accrue during the deferral period. Deferring your payment may cause a delay in principal reduction. Additional terms available at other rates. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
New and Used Automobile	-	-	5.28%	84 Months
Details Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Receive 0.5% rate discount for EV, hybrid, or zero emissions vehicle. No payments for up to 90-days. Utilizing the 90-day no payment option will slightly increase your payment. Finance charges continue to accrue during the deferral period. Deferring your payment may cause a delay in principal reduction. Additional terms available at other rates. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%

Ontario-Montclair School Employees Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New and Used Recreational Vehicle Loan	-	6.70%	84 Months
Details New RVs: On approved credit, the Credit Union will finance up to 100% of the purchase price, not to include tax, license and other fees. Used RVs: On approved credit, the Credit Union will finance up to 100% of the Kelley Blue Book retail value. Up to 60 month financing available on all RV loans; 84 month financing available for RV loans of $25,000 or more; 120 month financing available for RV loans of $35,000 or more; 144/180 month financing available for RV loans of $50,000 or more. The minimum payment will always be $125.00. Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
New and Used Motorcycle Loan	-	6.75%	48 Months
Details On approved credit, the Credit Union will finance up to 80% of the purchase price of new motorcycles, not including tax and license, and up to 100% of the Kelley Blue Book wholesale value on used motorcycles. Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
New Watercraft Loan	-	6.75%	48 Months
Details 100% Financing available (not to include tax, license and fees) on approved credit. Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
New and Used Motorcycle Loan	-	7.00%	60 Months
Details On approved credit, the Credit Union will finance up to 80% of the purchase price of new motorcycles, not including tax and license, and up to 100% of the Kelley Blue Book wholesale value on used motorcycles. Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
New and Used Recreational Vehicle Loan	-	7.00%	120 Months
Details New RVs: On approved credit, the Credit Union will finance up to 100% of the purchase price, not to include tax, license and other fees. Used RVs: On approved credit, the Credit Union will finance up to 100% of the Kelley Blue Book retail value. Up to 60 month financing available on all RV loans; 84 month financing available for RV loans of $25,000 or more; 120 month financing available for RV loans of $35,000 or more; 144/180 month financing available for RV loans of $50,000 or more. The minimum payment will always be $125.00. Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
New Watercraft Loan	-	7.00%	60 Months
Details 100% Financing available (not to include tax, license and fees) on approved credit. Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
New and Used Recreational Vehicle Loan	-	7.25%	144 Months
Details New RVs: On approved credit, the Credit Union will finance up to 100% of the purchase price, not to include tax, license and other fees. Used RVs: On approved credit, the Credit Union will finance up to 100% of the Kelley Blue Book retail value. Up to 60 month financing available on all RV loans; 84 month financing available for RV loans of $25,000 or more; 120 month financing available for RV loans of $35,000 or more; 144/180 month financing available for RV loans of $50,000 or more. The minimum payment will always be $125.00. Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
New and Used Recreational Vehicle Loan	-	7.50%	180 Months
Details New RVs: On approved credit, the Credit Union will finance up to 100% of the purchase price, not to include tax, license and other fees. Used RVs: On approved credit, the Credit Union will finance up to 100% of the Kelley Blue Book retail value. Up to 60 month financing available on all RV loans; 84 month financing available for RV loans of $25,000 or more; 120 month financing available for RV loans of $35,000 or more; 144/180 month financing available for RV loans of $50,000 or more. The minimum payment will always be $125.00. Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
New and Used Motorcycle Loan	-	7.75%	72 Months
Details On approved credit, the Credit Union will finance up to 80% of the purchase price of new motorcycles, not including tax and license, and up to 100% of the Kelley Blue Book wholesale value on used motorcycles. Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
New Watercraft Loan	-	7.75%	72 Months
Details 100% Financing available (not to include tax, license and fees) on approved credit. Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
New Watercraft Loan	-	8.00%	84 Months
Details 100% Financing available (not to include tax, license and fees) on approved credit. Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%

Ontario-Montclair School Employees Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	8.48%
Details As low as Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%

Ontario-Montclair School Employees Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	7.99%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%

Ontario-Montclair School Employees Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
E-Bike Loan	-	-	8.50%	36 Months
Details E-Bikes are grouped into three classes: Class 1: pedal assist only, 20 mph speed limited Class 2: pedal assist or throttle, 20 mph speed limited Class 3: pedal assist only, 28 mph speed limited, helmets required, must be 16 or older to operate. Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
E-Bike Loan	-	-	8.75%	48 Months
Details E-Bikes are grouped into three classes: Class 1: pedal assist only, 20 mph speed limited Class 2: pedal assist or throttle, 20 mph speed limited Class 3: pedal assist only, 28 mph speed limited, helmets required, must be 16 or older to operate. Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
E-Bike Loan	-	-	9.00%	60 Months
Details E-Bikes are grouped into three classes: Class 1: pedal assist only, 20 mph speed limited Class 2: pedal assist or throttle, 20 mph speed limited Class 3: pedal assist only, 28 mph speed limited, helmets required, must be 16 or older to operate. Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
E-Bikes Loan	-	-	8.50%
Details As Low As; (1)* Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
Payday Alternative Loan	-	-	28.00%
Details (4) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
Share Loan	-	-	5.90%
Details (2) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
Holiday Acct.	0.10%	-	0.10%
Min Balance $5 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%
IRA Share Account	0.10%	-	0.10%
Min Balance $5 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%

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

Ontario-Montclair School Employees Federal Credit Union’s Texas Ratio fell from 0.83% in Q2 2023 to 0.20% 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	$173M	0.20%	5.0	A+
December 31, 2025	$171M	0.54%	5.0	A+
September 30, 2025	$167M	0.37%	5.0	A+
June 30, 2025	$170M	0.58%	5.0	A+
March 31, 2025	$172M	0.44%	5.0	A+
December 31, 2024	$166M	0.74%	5.0	A+
September 30, 2024	$166M	1.22%	5.0	A+
June 30, 2024	$172M	1.02%	5.0	A+
March 31, 2024	$170M	0.84%	5.0	A+
December 31, 2023	$157M	1.31%	5.0	A+
September 30, 2023	$153M	2.13%	5.0	A+
June 30, 2023	$157M	0.83%	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 Ontario-Montclair School Employees 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 Ontario-Montclair School Employees 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 Ontario-Montclair School Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ontario-Montclair School Employees Federal Credit Union

Website https://www.omsefcu.org

Address 1520 N Palmetto Ave, Ontario, CA 91762

Phone 909-983-1959

Fax 909-988-5130

President Milissa Checchi

CEO Madeline Stewart

Full-Time Employees 33

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.20%

Return on Assets (ROA)

0.1290%

Return on Equity (ROE)

0.9351%

Non-Performing Loans Ratio (NPL)

0.06%

Total Assets

172,659,135

Total Amount of Shares and Deposits

148,667,264

Total Shares and Deposits < 1 Year

131,339,787

Total Shares and Deposits 1 3 Years

10,685,891

Total Shares and Deposits > 3 Years

6,641,585

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

8,367,450

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

8,367,450

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

140,299,814

Total Interest Expense (Sum of items 6 8)

426,092

Share Certificates

949

Number of Accounts for Share Drafts

6,882

IRA KEOGH Accounts

579

Number of Accounts for Regular Shares

12,392

All other shares

482

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)

6,277,509

Total Liabilities

150,322,956

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Ontario-Montclair School Employees Federal 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/ontario-montclair-school-employees-federal-credit-union-rates-review-14542">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Ontario-Montclair School Employees Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Ontario-Montclair School Employees Federal Credit Union

Frequently Asked Questions About Ontario-Montclair School Employees Federal Credit Union

How many branches does Ontario-Montclair School Employees Federal Credit Union operate?

Ontario-Montclair School Employees 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 Ontario-Montclair School Employees Federal Credit Union?

Yes, to access services at Ontario-Montclair School Employees 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, Ontario-Montclair School Employees 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, Ontario-Montclair School Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Ontario-Montclair School Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Ontario-Montclair School Employees 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.omsefcu.org.

Current Ontario-Montclair School Employees Federal Credit Union Rates

12-Month CD3.80%
18-Month CD3.82%
24-Month CD3.85%
60-Month CD4.00%
Savings0.10%
MMA0.70%

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

Compare to Other Credit Unions

Ontario-Montclair School Employees Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Ontario-Montclair School Employees Federal Credit Union Texas Ratio

Ontario-Montclair School Employees Federal Credit Union Health Trend

Ontario-Montclair School Employees Federal Credit Union CD Rates

Ontario-Montclair School Employees Federal Credit Union Savings Rates

Ontario-Montclair School Employees Federal Credit Union Checking Rates

Ontario-Montclair School Employees Federal Credit Union Auto Loan Rates

Ontario-Montclair School Employees Federal Credit Union RV, Boat and Powersport Loan Rates

Ontario-Montclair School Employees Federal Credit Union Credit Card Rates

Ontario-Montclair School Employees Federal Credit Union Personal Loan Rates

Ontario-Montclair School Employees Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Ontario-Montclair School Employees Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Ontario-Montclair School Employees Federal Credit Union

How many branches does Ontario-Montclair School Employees Federal Credit Union operate?

Is a member application needed to join Ontario-Montclair School Employees Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Ontario-Montclair School Employees Federal Credit Union offer online and mobile banking?

Current Ontario-Montclair School Employees Federal Credit Union Rates

Compare to Other Credit Unions