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BOPTI Federal Credit Union

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BOPTI Federal Credit Union Rates & Review September 2026

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

Yes, to access services at BOPTI 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, BOPTI 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 4, 2026

BOPTI Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.77%, 6-month share certificate rates at 2.65% and 3-month share certificate rates at 2.52%. Savings rates are at 0.84% and money market rates are at 1.15%. Mortgage rates on 30-year fixed loans are around 6.75%. These rates come from our rate database, not BOPTI Federal Credit Union, and you can see how they compare in the BOPTI Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of BOPTI Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.00%. Database rates last updated and verified on 09/04/2026.

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

2.00%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

BOPTI Federal Credit Union
Main Office

1451 S Seaside Ave
San Pedro, CA 90731-7365

https://www.boptifcu.com

BOPTI Federal Credit Union Savings Rates

Product	Rate	APY
Back to School Club	0.25%	0.25%
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Christmas Club	0.25%	0.25%
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Vacation Club	0.25%	0.25%
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%

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

BOPTI Federal Credit Union’s Texas Ratio rose from 1.21% in Q2 2023 to 2.00% 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; the amber line marks the 15% level a credit union must stay under to qualify 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 Grade15% Verified Healthy threshold

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	$64M	2.00%	5.0	A+
December 31, 2025	$70M	1.99%	5.0	A+
September 30, 2025	$72M	0.86%	5.0	A+
June 30, 2025	$73M	1.52%	5.0	A+
March 31, 2025	$74M	0.91%	5.0	A+
December 31, 2024	$74M	1.63%	5.0	A+
September 30, 2024	$74M	0.66%	5.0	A+
June 30, 2024	$73M	0.81%	5.0	A+
March 31, 2024	$75M	1.11%	5.0	A+
December 31, 2023	$75M	1.16%	5.0	A+
September 30, 2023	$77M	1.21%	5.0	A+
June 30, 2023	$77M	1.21%	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 BOPTI 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 BOPTI 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 BOPTI Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name BOPTI Federal Credit Union

Website https://www.boptifcu.com

Address 1451 S Seaside Ave, San Pedro, CA 90731-7365

Phone 310-832-0227

Fax 310-832-0228

President Frank Calderon

CEO Anthony Morris

Full-Time Employees 5

Part-Time Employees 0

Branch Locations 2

ATM Locations 0

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

2.00%

Return on Assets (ROA)

0.2103%

Return on Equity (ROE)

0.8692%

Non-Performing Loans Ratio (NPL)

1.53%

Total Assets

64,385,017

Total Amount of Shares and Deposits

48,291,158

Total Shares and Deposits < 1 Year

47,880,232

Total Shares and Deposits 1 3 Years

275,592

Total Shares and Deposits > 3 Years

135,334

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

3,257,196

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

3,257,196

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

45,033,962

Total Interest Expense (Sum of items 6 8)

256,090

Share Certificates

128

Number of Accounts for Share Drafts

797

IRA KEOGH Accounts

143

Number of Accounts for Regular Shares

4,274

All other shares

253

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)

2,350,192

Total Liabilities

48,808,169

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

BOPTI 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://www.monitorbankrates.com/credit-unions/bopti-federal-credit-union-rates-review-10433">
  <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 BOPTI 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.

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Total Reviews

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Frequently Asked Questions About BOPTI Federal Credit Union

How many branches does BOPTI Federal Credit Union operate?

BOPTI 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 BOPTI Federal Credit Union?

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

Does BOPTI Federal Credit Union offer online and mobile banking?

Most modern institutions like BOPTI 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.boptifcu.com.