What are the current interest rates at Sacramento Credit Union?

Current rates for Sacramento Credit Union include: 12-Month CD: 3.20%, 18-Month CD: 3.20%, 24-Month CD: 3.25%, 60-Month CD: 3.55%, Savings: 0.05%, MMA: 0.15%

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Sacramento Credit Union

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Sacramento Credit Union Rates & Review September 2026

Q: How many branches does Sacramento Credit Union operate?

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

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

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

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sacramento 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

Sacramento Credit Union's 15-MONTH CD rates are at 4.10%, 7-MONTH CD rates are at 4.10%, 60 Month CD - 60 month ($1,000) rates are at 3.55%, 60 Month CD - 60 month ($100,000) rates are at 3.55%, 60 Month CD - 60 month ($20,000) rates are at 3.55%. Sacramento Credit Union's savings rates are at 0.05%. Sacramento Credit Union's money market rates are at 0.15%. Sacramento Credit Union's 15-YEAR FIXED rates are at 5.50%, 15-YEAR FIXED rates are at 5.62%, 15-YEAR FIXED rates are at 5.62%, 15-YEAR FIXED rates are at 5.75%, 15-YEAR FIXED rates are at 5.88%. Sacramento Credit Union's Personal Loan Rates are as low as 8.99%. Sacramento Credit Union's Credit Card Rates are at 11.50%. MonitorBankRates evaluates the financial stability of Sacramento Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.34%. Rates last updated and verified on 09/12/2026.

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

0.34%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Sacramento Credit Union
H Street Corporate

800 H St
Sacramento, CA 95814-2607

https://www.sactocu.org

Sacramento Credit Union CD Rates

Product	Rate	APY	Term
15-MONTH Certificate	4.02%	4.10%	15 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
7-MONTH Certificate	4.02%	4.10%	7 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
60 Month Certificate - 60 month ($1,000)	3.49%	3.55%	60 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
60 Month Certificate - 60 month ($100,000)	3.49%	3.55%	60 months
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
60 Month Certificate - 60 month ($20,000)	3.49%	3.55%	60 months
Min Balance $20,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
60 Month Certificate - 60 month ($50,000)	3.49%	3.55%	60 months
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
48 Month Certificate	3.40%	3.45%	48 months
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
36 Month Certificate	3.35%	3.40%	36 months
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
48 Month Certificate - 48 month ($1,000)	3.35%	3.40%	48 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
48 Month Certificate - 48 month ($20,000)	3.35%	3.40%	48 months
Min Balance $20,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
48 Month Certificate - 48 month ($50,000)	3.35%	3.40%	48 months
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
36 Month Certificate - 36 month ($1,000)	3.30%	3.35%	36 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
36 Month Certificate - 36 month ($20,000)	3.30%	3.35%	36 months
Min Balance $20,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
36 Month Certificate - 36 month ($50,000)	3.30%	3.35%	36 months
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
24 Month Certificate	3.25%	3.30%	24 months
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
30 Month Certificate	3.25%	3.30%	30 months
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
12 Month Certificate	3.20%	3.25%	12 months
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
18 Month Certificate	3.20%	3.25%	18 months
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
24 Month Certificate - 24 month ($1,000)	3.20%	3.25%	24 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
24 Month Certificate - 24 month ($20,000)	3.20%	3.25%	24 months
Min Balance $20,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
24 Month Certificate - 24 month ($50,000)	3.20%	3.25%	24 months
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
30 Month Certificate - 30 month ($1,000)	3.20%	3.25%	30 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
30 Month Certificate - 30 month ($20,000)	3.20%	3.25%	30 months
Min Balance $20,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
30 Month Certificate - 30 month ($50,000)	3.20%	3.25%	30 months
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
12 Month Certificate - 12 month ($1,000)	3.15%	3.20%	12 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
12 Month Certificate - 12 month ($20,000)	3.15%	3.20%	12 months
Min Balance $20,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
12 Month Certificate - 12 month ($50,000)	3.15%	3.20%	12 months
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
18 Month Certificate - 18 month ($1,000)	3.15%	3.20%	18 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
18 Month Certificate - 18 month ($20,000)	3.15%	3.20%	18 months
Min Balance $20,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
18 Month Certificate - 18 month ($50,000)	3.15%	3.20%	18 months
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
6 Month Certificate	3.01%	3.05%	6 months
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
6 Month Certificate - 6 month ($1,000)	3.00%	3.04%	6 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
6 Month Certificate - 6 month ($20,000)	3.00%	3.04%	6 months
Min Balance $20,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
6 Month Certificate - 6 month ($50,000)	3.00%	3.04%	6 months
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
3 Month Certificate - 3 month ($1,000)	2.96%	3.00%	3 months
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
3 Month Certificate - 3 month ($100,000)	2.96%	3.00%	3 months
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
3 Month Certificate - 3 month ($20,000)	2.96%	3.00%	3 months
Min Balance $20,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
3 Month Certificate - 3 month ($50,000)	2.96%	3.00%	3 months
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%

Sacramento Credit Union Savings Rates

Product	Rate	APY
BUSINESS SAVINGS	0.15%	0.15%
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Savings Accounts	0.15%	0.15%
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
BUSINESS SAVINGS	0.08%	0.08%
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Savings Accounts	0.08%	0.08%
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
BUSINESS SAVINGS ($1,000)	0.05%	0.05%
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
BUSINESS SAVINGS ($300)	0.05%	0.05%
Min Balance $300 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
BUSINESS SAVINGS ($5,000)	0.05%	0.05%
Min Balance $5,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Savings Accounts ($1,000)	0.05%	0.05%
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Savings Accounts ($300)	0.05%	0.05%
Min Balance $300 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Savings Accounts ($5,000)	0.05%	0.05%
Min Balance $5,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%

Sacramento Credit Union Money Market Rates

Product	Rate	APY
Money Market	3.45%	3.51%
Min Balance $500,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Premium Money Market	3.45%	3.51%
Min Balance $500,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
BUSINESS MONEY MARKET	3.20%	3.25%
Min Balance $500,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
BUSINESS MONEY MARKET	2.72%	2.75%
Min Balance $250,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
BUSINESS MONEY MARKET ($100,000)	2.47%	2.50%
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
BUSINESS MONEY MARKET ($50,000)	2.47%	2.50%
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Money Market	2.25%	2.27%
Min Balance $250,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Premium Money Market	2.25%	2.27%
Min Balance $250,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Money Market	2.00%	2.02%
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Premium Money Market	2.00%	2.02%
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Money Market	1.75%	1.76%
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Premium Money Market	1.75%	1.76%
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Money Market	1.00%	1.00%
Min Balance $25,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Money Market	0.90%	0.90%
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
BUSINESS MONEY MARKET	0.75%	0.75%
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
BUSINESS MONEY MARKET	0.15%	0.15%
Min Balance $2,500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Money Market	0.15%	0.15%
Min Balance $2,500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%

Sacramento Credit Union Checking Rates

Product	Rate	APY
Free Rewards Checking	-	4.50%
Min Deposit $25 Details Earn 4.50% APY* on daily checking Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
FREE REWARDS CHECKING ($0 - $25,000)	4.41%	4.50%
Min Balance $0 Details Qualifications Required: Requirements Met; Requirements Met Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
FREE REWARDS CHECKING ($25,000+)	0.10%	4.50%
Min Balance $25,000 Details Qualifications Required: Requirements Met; Requirements Met Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
BUSINESS INTEREST CHECKING ($10,000)	0.01%	0.01%
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
BUSINESS INTEREST CHECKING ($25,000)	0.01%	0.01%
Min Balance $25,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
BUSINESS INTEREST CHECKING ($5,000)	0.01%	0.01%
Min Balance $5,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
FREE REWARDS CHECKING	0.01%	0.01%
Min Balance $0 Details Balance: All balances if qualifications not met Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%

Sacramento Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15-YEAR FIXED	5.50%	1.00	5.81%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
15-YEAR FIXED	5.63%	0.50	5.86%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
15-YEAR FIXED	5.63%	1.00	5.94%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
15-YEAR FIXED	5.75%	0.50	5.99%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
15-YEAR FIXED	5.88%	0.00	6.03%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
30-YEAR FIXED	6.25%	1.00	6.35%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
20-YEAR FIXED	6.13%	1.00	6.38%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
20-YEAR FIXED	6.25%	0.50	6.44%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
20-YEAR FIXED	6.38%	0.00	6.50%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
30-YEAR FIXED	6.38%	0.50	6.52%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Senior Purchase - 10 Year Fixed Loan	-	-	6.69%	10 Year Fixed
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
30-YEAR FIXED	6.50%	0.00	6.70%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%

Sacramento Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	5.99%	-	5.99%	48-240 months
Details Owner Occupied Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Home Equity Loan	7.99%	-	7.99%	48-240 months
Details Non-Owner Occupied Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Home Equity Line of Credit	-	-	9.50%	25 years
Details Non-Owner Occupied; Draw period for advances: 10 years; Repayment period: 15 years Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%

Sacramento Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
USED AUTO 2016 AND OLDER	-	-	9.19%	48 months
Details As Low As Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%

Sacramento Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New RVs & BOATS Loan	-	6.79%	144 months
Details Amount Up To $100K; New1 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Used RVs & BOATS Loan	-	6.79%	144 months
Details Amount Up To $100K; Used1 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
New MOTORCYCLES Loan	-	7.19%	72 months
Details Amount Up To $35K; New2 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Used MOTORCYCLES Loan	-	7.24%	60 months
Details Amount Up To $25K; Used2 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%

Sacramento Credit Union Credit Card Rates

Product	Rate	APR
VISA PLATINUM CREDIT CARD	-	11.50%
Details As Low As Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
VISA PLATINUM REWARDS PLUS CREDIT CARD	-	13.40%
Details As Low As Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
VISA SECURED CREDIT CARD	-	17.25%
Details As Low As Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%

Sacramento Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	8.99%	Up to 60 months
Details As Low As Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%

Sacramento Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Equity Line of Credit	-	-	3.99%	25 years
Details Owner Occupied; Draw period for advances: 10 years; Repayment period: 15 years Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Home Loans	-	-	5.86%
Details Rates as low as 5.859% APR. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Senior Purchase - 2 Year Fixed Loan	-	-	5.69%	2 Year Fixed
Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Senior Purchase - 5 Year Fixed Loan	-	-	5.69%	5 Year Fixed
Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
TPMG Non-Guaranteed Loan Rates Expand - Loan	-	-	8.99%	Up to 84 months
Details Amount: Up to $75,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Variable Rate Loan	-	-	11.40%
Details Amount: Up to $25,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
IRA Share Accounts	0.08%	-	0.08%
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
IRA Share Accounts	0.15%	-	0.15%
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
IRA Share Accounts ($1,000)	0.05%	-	0.05%
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
IRA Share Accounts ($300)	0.05%	-	0.05%
Min Balance $300 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
IRA Share Accounts ($5,000)	0.05%	-	0.05%
Min Balance $5,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%

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

Sacramento Credit Union’s Texas Ratio stayed near 0.18% in Q2 2023 to 0.34% 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	$852M	0.34%	5.0	A+
December 31, 2025	$838M	0.20%	5.0	A+
September 30, 2025	$817M	0.16%	5.0	A+
June 30, 2025	$796M	0.14%	5.0	A+
March 31, 2025	$788M	0.26%	5.0	A+
December 31, 2024	$760M	0.56%	5.0	A+
September 30, 2024	$835M	0.26%	5.0	A+
June 30, 2024	$826M	0.23%	5.0	A+
March 31, 2024	$829M	0.23%	5.0	A+
December 31, 2023	$806M	0.40%	5.0	A+
September 30, 2023	$713M	0.31%	5.0	A+
June 30, 2023	$715M	0.18%	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 Sacramento 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 Sacramento 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 Sacramento Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sacramento Credit Union

Website https://www.sactocu.org

Address 800 H St, Sacramento, CA 95814-2607

Phone 888-722-8601

Fax

President Les Brown

CEO Bhavnesh Makin

Full-Time Employees 96

Part-Time Employees 5

Branch Locations 7

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+ (100/100)

Texas Ratio

0.34%

Return on Assets (ROA)

0.3708%

Return on Equity (ROE)

2.5095%

Non-Performing Loans Ratio (NPL)

0.10%

Total Assets

851,939,205

Total Amount of Shares and Deposits

719,015,482

Total Shares and Deposits < 1 Year

700,158,989

Total Shares and Deposits 1 3 Years

11,621,339

Total Shares and Deposits > 3 Years

7,235,155

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

82,636,753

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

82,636,753

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

636,378,729

Total Interest Expense (Sum of items 6 8)

2,764,186

Share Certificates

3,464

Number of Accounts for Share Drafts

20,658

IRA KEOGH Accounts

757

Number of Accounts for Regular Shares

36,108

Money Market Shares

1,870

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)

49,252,803

Total Liabilities

726,829,700

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Sacramento Credit Union earned the Verified Healthy badge

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Sacramento Credit Union

How many branches does Sacramento Credit Union operate?

Sacramento 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 Sacramento Credit Union?

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

Does Sacramento Credit Union offer online and mobile banking?

Most modern institutions like Sacramento 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.sactocu.org.

Current Sacramento Credit Union Rates

12-Month CD3.20%
18-Month CD3.20%
24-Month CD3.25%
60-Month CD3.55%
Savings0.05%
MMA0.15%

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

Compare to Other Credit Unions

Sacramento Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Sacramento Credit Union Texas Ratio

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Sacramento Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Sacramento Credit Union

How many branches does Sacramento Credit Union operate?

Is a member application needed to join Sacramento Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Sacramento Credit Union offer online and mobile banking?

Current Sacramento Credit Union Rates

Compare to Other Credit Unions