What are the current interest rates at CalCom Federal Credit Union?

Current rates for CalCom Federal Credit Union include: 12-Month CD: 2.94%, 24-Month CD: 2.84%, MMA: 0.40%

☰

Home›
Credit Unions›
CalCom Federal Credit Union

iAdvertiser Disclosure

CalCom Federal Credit Union Rates & Review October 2026

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

Yes, to access services at CalCom 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, CalCom 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: October 13, 2026

CalCom Federal Credit Union's top rates as of October 13, 2026 are 3.35% APY on its Jumbo Term CD Accounts - 12 month, 0.40% APY on money market accounts, 5.70% on its 1st Trust Deed Mortgage, personal loans from 13.00% APR, and credit cards from 13.00% APR, according to rates verified by MonitorBankRates. Other CalCom Federal Credit Union CD rates include Jumbo Term CD Accounts - 6 month at 3.35%, Jumbo Term CD Accounts - 24 month at 3.25%, and Jumbo Term CD Accounts - 36 month at 3.25%. Other CalCom Federal Credit Union mortgage rates include 1st Trust Deed Mortgage at 5.80%, 1st Trust Deed Mortgage at 5.90%, and 1st Trust Deed Mortgage at 6.00%. MonitorBankRates evaluates the financial stability of CalCom Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.80%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy Q2 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

1.80%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

CalCom Federal Credit Union
Long Beach Office

3748 Bayer Ave Ste 104
Long Beach, CA 90808-1884

https://www.calcomcu.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

CalCom Federal Credit Union CD Rates

Product	Rate	APY	Term
Jumbo Term Share Certificate Accounts - 12 month	3.30%	3.35%	12 months
Min Balance $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Jumbo Term Share Certificate Accounts - 6 month	3.30%	3.35%	6 months
Min Balance $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Jumbo Term Share Certificate Accounts - 24 month	3.20%	3.25%	24 months
Min Balance $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Jumbo Term Share Certificate Accounts - 36 month	3.20%	3.25%	36 months
Min Balance $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
12 Month Flex Term Share Certificate Accounts	3.10%	3.14%	12 months
Min Balance $100,000 Details Term: 12 months with 2 withdrawals; Balance: $100,000 minimum; For Flex Certificates: Withdrawals may not reduce to less than 50% of the original balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.94% → 3.14% ▲ 0.20 pts · high 3.14% / low 2.94% Oct 13, 20263.14%▲ from 2.94% Sep 14, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
12 Month Term Share Certificate Accounts	3.10%	3.14%	12 months
Min Balance $50,000 Details Balance: $50,000.00 tier; Dividend Rate 3.10% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.94% → 3.14% ▲ 0.20 pts · high 3.14% / low 2.94% Oct 13, 20263.14%▲ from 2.94% Sep 14, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
6 Month Term Share Certificate Accounts	3.10%	3.14%	6 months
Min Balance $50,000 Details Balance: $50,000.00 tier; Dividend Rate 3.10% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.94% → 3.14% ▲ 0.20 pts · high 3.14% / low 2.94% Oct 13, 20263.14%▲ from 2.94% Sep 14, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
12 Month Term Share Certificate	3.00%	3.04%	12 months
Min Balance $25,000 Details Balance: $25,000.00 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.94% → 3.04% ▲ 0.10 pts · high 3.04% / low 2.94% Oct 13, 20263.04%▲ from 2.94% Sep 14, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
24 Month Term Share Certificate Accounts	3.00%	3.04%	24 months
Min Balance $50,000 Details Balance: $50,000.00 tier; Dividend Rate 3.00% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.84% → 3.04% ▲ 0.20 pts · high 3.04% / low 2.84% Oct 13, 20263.04%▲ from 2.84% Sep 14, 20262.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
36 Month Term Share Certificate Accounts	3.00%	3.04%	36 months
Min Balance $50,000 Details Balance: $50,000.00 tier; Dividend Rate 3.00% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.84% → 3.04% ▲ 0.20 pts · high 3.04% / low 2.84% Oct 13, 20263.04%▲ from 2.84% Sep 14, 20262.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
6 Month Term Share Certificate	3.00%	3.04%	6 months
Min Balance $25,000 Details Balance: $25,000.00 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.94% → 3.04% ▲ 0.10 pts · high 3.04% / low 2.94% Oct 13, 20263.04%▲ from 2.94% Sep 14, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
12 Month Flex Term Share Certificate Accounts	2.90%	2.94%	12 months
Min Balance $50,000 Details Balance: $50,000; 12 months with 2 withdrawals; For Flex Certificates: Withdrawals may not reduce to less than 50% of the original balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.94% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
12 Month Term Share Certificate Accounts	2.90%	2.94%	12 months
Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.94% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
24 Month Term Share Certificate	2.90%	2.94%	24 months
Min Balance $25,000 Details Balance: $25,000.00 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.84% → 2.94% ▲ 0.10 pts · high 2.94% / low 2.84% Oct 13, 20262.94%▲ from 2.84% Sep 14, 20262.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
36 Month Term Share Certificate	2.90%	2.94%	36 months
Min Balance $25,000 Details Balance: $25,000.00 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.84% → 2.94% ▲ 0.10 pts · high 2.94% / low 2.84% Oct 13, 20262.94%▲ from 2.84% Sep 14, 20262.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
6 Month Term Share Certificate Accounts	2.90%	2.94%	6 months
Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.94% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
24 Month Term Share Certificate Accounts	2.80%	2.84%	24 months
Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.84% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
36 Month Term Share Certificate Accounts	2.80%	2.84%	36 months
Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.84% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

CalCom Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	0.40%	0.40%
Min Deposit $100,000 Min Balance $100,000 Details Balance: from $100,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Money Market Accounts	0.20%	0.20%
Min Deposit $50,000 Min Balance $50,000 Details Balance: from $50,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Money Market Accounts	0.10%	0.10%
Min Deposit $5,000 Min Balance $5,000 Details Balance: from $5,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Money Market Accounts	0.05%	0.05%
Min Deposit $3,000 Min Balance $3,000 Details Balance: from $3,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

CalCom Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
1st Trust Deed Mortgage	-	-	5.70%	15 years
Details As Low As; APR for LTV <= 50%; Maximum loan amount: $1,200,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.70% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
1st Trust Deed Mortgage	-	-	5.80%	15 years
Details As Low As; APR for LTV 51%-60%; Maximum loan amount: $1,200,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.80% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
1st Trust Deed Mortgage	-	-	5.80%	20 years
Details As Low As; APR for LTV <= 50%; Maximum loan amount: $1,200,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.80% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
1st Trust Deed Mortgage	-	-	5.90%	15 years
Details As Low As; APR for LTV 61%-70%; Maximum loan amount: $1,200,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
1st Trust Deed Mortgage	-	-	5.90%	20 years
Details As Low As; APR for LTV 51%-60%; Maximum loan amount: $1,200,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
1st Trust Deed Mortgage	-	-	5.90%	25 years
Details As Low As; APR for LTV <= 50%; Maximum loan amount: $1,200,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
1st Trust Deed Mortgage	-	-	6.00%	15 years
Details As Low As; APR for LTV 71%-80%; Maximum loan amount: $1,200,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
1st Trust Deed Mortgage	-	-	6.00%	20 years
Details As Low As; APR for LTV 61%-70%; Maximum loan amount: $1,200,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
1st Trust Deed Mortgage	-	-	6.00%	25 years
Details As Low As; APR for LTV 51%-60%; Maximum loan amount: $1,200,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
1st Trust Deed Mortgage	-	-	6.00%	30 years
Details As Low As; APR for LTV <= 50%; Maximum loan amount: $1,200,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
1st Trust Deed Mortgage	-	-	6.10%	20 years
Details As Low As; APR for LTV 71%-80%; Maximum loan amount: $1,200,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.10% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
1st Trust Deed Mortgage	-	-	6.10%	25 years
Details As Low As; APR for LTV 61%-70%; Maximum loan amount: $1,200,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.10% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
1st Trust Deed Mortgage	-	-	6.10%	30 years
Details As Low As; APR for LTV 51%-60%; Maximum loan amount: $1,200,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.10% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
1st Trust Deed Mortgage	-	-	6.20%	25 years
Details As Low As; APR for LTV 71%-80%; Maximum loan amount: $1,200,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.20% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
1st Trust Deed Mortgage	-	-	6.20%	30 years
Details As Low As; APR for LTV 61%-70%; Maximum loan amount: $1,200,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.20% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
1st Trust Deed Mortgage	-	-	6.30%	30 years
Details As Low As; APR for LTV 71%-80%; Maximum loan amount: $1,200,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.30% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

CalCom Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit - 1st Lien 5/1 ARM	-	-	6.00%
Details Published APR range: as low as 6.00%. As Low As; APR* for LTV <= 50%: as low as 6.00%; APR* for LTV 51%-60%: as low as 6.10%; APR* for LTV 61%-70%: as low as 6.20%; APR* for LTV 71%-80%: as low as 6.30%; Maximum Amount: $1,200,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Equity Line of Credit - Junior Lien 5/1 ARM	-	-	6.50%
Details Published APR range: as low as 6.50%. As Low As; APR* for LTV <= 50%: as low as 6.50%; APR* for LTV 51%-60%: as low as 6.60%; APR* for LTV 61%-70%: as low as 6.70%; APR* for LTV 71%-80%: as low as 6.80%; Maximum Amount: $600,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

CalCom Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	4.75%	up to 96 months
Details As Low As; Maximum Loan Amount: $150,000.00 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicle Loan	-	-	5.75%	up to 84 months
Details As Low As; Maximum Loan Amount: $150,000.00 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

CalCom Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New RV Loan	-	6.75%	up to 156 months
Details As Low As; Maximum Loan Amount: $150,000.00 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used RV Loan	-	7.75%	up to 144 months
Details As Low As; Maximum Loan Amount: $150,000.00 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Recreational Watercraft Loan	-	8.75%	up to 144 months
Details As Low As; Maximum Loan Amount: $150,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

CalCom Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	13.00%
Details As Low As; Maximum Loan Amount: $15,000.00 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 13.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

CalCom Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loan	13.00%	up to 60 months
Details As Low As; Maximum Loan Amount: $15,000.00 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 13.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

CalCom Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Home Loans	-	-	5.65%
Details As Low As Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.65% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Grizzlies Youth Account	0.05%	-	0.05%
Min Deposit $50 Min Balance $50 Details Balance: $50.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Grizzlies Youth Account	0.10%	-	0.10%
Min Deposit $500 Min Balance $500 Details Balance: $500.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Grizzlies Youth Account	0.20%	-	0.20%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Individual Retirement Accounts (Traditional and Roth)	0.05%	-	0.05%
Min Deposit $500 Min Balance $500 Details Balance: tier starts at $500.00; Dividend rate 0.05%, APY 0.05% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Individual Retirement Accounts (Traditional and Roth)	0.10%	-	0.10%
Min Deposit $5,000 Min Balance $5,000 Details Balance: tier starts at $5,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Individual Retirement Accounts (Traditional and Roth)	0.20%	-	0.20%
Min Deposit $50,000 Min Balance $50,000 Details Balance: tier starts at $50,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Individual Retirement Accounts (Traditional and Roth)	0.40%	-	0.40%
Min Deposit $10,000 Min Balance $10,000 Details Balance: tier starts at $100,00.00 (as printed on page) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Regular Shares, Vacation and Holiday Accounts	0.05%	-	0.05%
Min Deposit $5,000 Min Balance $5,000 Details Balance tier: $5,000.00 minimum; Dividend rate and APY as printed Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Regular Shares, Vacation and Holiday Accounts	0.10%	-	0.10%
Min Deposit $50,000 Min Balance $50,000 Details Balance tier: $50,000.00 minimum; Dividend rate and APY as printed Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Regular Shares, Vacation and Holiday Accounts	0.20%	-	0.20%
Min Deposit $100,000 Min Balance $100,000 Details Balance tier: $100,000.00 minimum; Dividend rate and APY as printed Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

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

CalCom Federal Credit Union’s Texas Ratio stayed near 2.12% in Q3 2023 to 1.80% in Q2 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 green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)

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
June 30, 2026	$84M	1.80%	5.0	A+
March 31, 2026	$83M	1.30%	5.0	A+
December 31, 2025	$83M	2.81%	5.0	A+
September 30, 2025	$84M	2.84%	5.0	A+
June 30, 2025	$83M	4.17%	5.0	A+
March 31, 2025	$84M	2.92%	5.0	A+
December 31, 2024	$84M	9.05%	5.0	A
September 30, 2024	$87M	13.14%	5.0	A
June 30, 2024	$88M	10.05%	5.0	A
March 31, 2024	$90M	2.15%	5.0	A+
December 31, 2023	$90M	2.97%	5.0	A+
September 30, 2023	$82M	2.12%	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 CalCom 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 CalCom 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 CalCom Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name CalCom Federal Credit Union

Website https://www.calcomcu.org

Address 3748 Bayer Ave Ste 104, Long Beach, CA 90808-1884

Phone 855-922-5266

Fax 562-420-1368

President Andy Doyle

CEO Jon Hernandez

Full-Time Employees 22

Part-Time Employees 1

Branch Locations 4

ATM Locations 2

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

1.80%

Return on Assets (ROA)

0.3540%

Return on Equity (ROE)

2.1677%

Non-Performing Loans Ratio (NPL)

0.42%

Total Assets

83,877,745

Total Amount of Shares and Deposits

69,976,592

Total Shares and Deposits < 1 Year

68,727,683

Total Shares and Deposits 1 3 Years

1,127,473

Total Shares and Deposits > 3 Years

121,436

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

5,958,442

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

5,958,442

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

64,018,150

Total Interest Expense (Sum of items 6 8)

293,735

Share Certificates

285

Number of Accounts for Share Drafts

1,807

IRA KEOGH Accounts

131

Number of Accounts for Regular Shares

9,925

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)

4,354,933

Total Liabilities

70,220,668

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

CalCom Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/credit-unions/calcom-federal-credit-union-rates-review-18623">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 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 CalCom 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 CalCom Federal Credit Union

Frequently Asked Questions About CalCom Federal Credit Union

How many branches does CalCom Federal Credit Union operate?

CalCom 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 CalCom Federal Credit Union?

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

Does CalCom Federal Credit Union offer online and mobile banking?

Most modern institutions like CalCom 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.calcomcu.org.

Current CalCom Federal Credit Union Rates

12-Month CD2.94%
24-Month CD2.84%
MMA0.40%

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

Compare to Other Credit Unions

CalCom Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

CalCom Federal Credit Union Texas Ratio

CalCom Federal Credit Union Health Trend

CalCom Federal Credit Union CD Rates

CalCom Federal Credit Union Money Market Rates

CalCom Federal Credit Union Mortgage Rates

CalCom Federal Credit Union Home Equity & HELOC

CalCom Federal Credit Union Auto Loan Rates

CalCom Federal Credit Union RV, Boat and Powersport Loan Rates

CalCom Federal Credit Union Credit Card Rates

CalCom Federal Credit Union Personal Loan Rates

CalCom Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

CalCom Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About CalCom Federal Credit Union

How many branches does CalCom Federal Credit Union operate?

Is a member application needed to join CalCom Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does CalCom Federal Credit Union offer online and mobile banking?

Current CalCom Federal Credit Union Rates

Compare to Other Credit Unions