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iAdvertiser Disclosure
Advertiser Disclosure
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 California Community Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 26, 2026
California Community Credit Union's Jumbo CD - 6 Month-Special rates are at 4.00%, Term Account - 6 Month-Special rates are at 4.00%, Term Savings CD Special - 06-Month Term rates are at 4.00%, Jumbo CD - 12 Month-Special rates are at 3.85%, Term Account - 12 Month-Special rates are at 3.85%. California Community Credit Union's savings rates are at 0.05%. California Community Credit Union's money market rates are at 0.75%. California Community Credit Union's checking rates are as high as 0.05%. California Community Credit Union's Fixed-Rate Mortgage - 15-Year Fixed rates are at 6.18%, Fixed-Rate Mortgage - 30-Year Fixed rates are at 6.82%. California Community Credit Union's Personal Loan Rates are as low as 8.95%. California Community Credit Union's Credit Card Rates are at 8.90%. MonitorBankRates evaluates the financial stability of California Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.21%. Rates last updated and verified on 10/26/2026. California Community 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 California Community Credit Union? Share your experience about California Community Credit Union by leaving a review below, or read customer reviews before you decide to use California Community Credit Union. 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. California Community Credit Union CD Rates
California Community Credit Union Savings Rates
California Community Credit Union Money Market Rates
California Community Credit Union Checking Rates
California Community Credit Union Mortgage Rates
California Community Credit Union Home Equity & HELOC
California Community Credit Union Auto Loan Rates
California Community Credit Union RV, Boat and Powersport Loan Rates
California Community Credit Union Credit Card Rates
California Community Credit Union Personal Loan Rates
California Community Credit Union Other Rates
Financial Health HistoryCalifornia Community Credit Union’s Texas Ratio fell from 1.95% in Q3 2023 to 0.21% in Q2 2026, so its financial health has improved and is now 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
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MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for California Community 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 California Community 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 California Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
California Community Credit Union
Website
https://www.caccu.org
Address
8815 Folsom Blvd,
Sacramento, CA 95826
Phone
916-386-1418
Fax
916-386-0634
President
Donald Migge
CEO
Marcy Cole-King
Full-Time Employees
13
Part-Time Employees
1
Branch Locations
3
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.21%
Return on Assets (ROA)
0.2448%
Return on Equity (ROE)
2.0070%
Non-Performing Loans Ratio (NPL)
0.07%
Total Assets
82,532,982
Total Amount of Shares and Deposits
71,538,043
Total Shares and Deposits < 1 Year
70,494,504
Total Shares and Deposits 1 3 Years
526,866
Total Shares and Deposits > 3 Years
516,673
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,308,963
Total Uninsured Shares and Deposits > $250K (F+J)
5,308,963
Total Insured Shares and Deposits > $250K (item 17 less item K)
66,229,080
Total Interest Expense (Sum of items 6 8)
221,131
Share Certificates
294
Number of Accounts for Share Drafts
2,431
IRA KEOGH Accounts
140
Number of Accounts for Regular Shares
4,707
Money Market Shares
105
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)
15,471,518
Total Liabilities
72,403,954
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for California Community 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.
Add Your Rating and Review for California Community Credit Union
Frequently Asked Questions About California Community Credit UnionDoes California Community Credit Union offer CDs?Yes. California Community Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 26, 2026 include 4.00% APY on its Jumbo CD - 6 Month-Special, 4.00% APY on its Term Account - 6 Month-Special CD and 4.00% APY on its Term Savings CD Special - 06-Month Term. Are CDs from California Community Credit Union NCUA insured?Yes. California Community Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at California Community Credit Union?The highest CD rate MonitorBankRates has verified for California Community Credit Union is 4.00% APY on its Jumbo CD - 6 Month-Special, as of October 26, 2026. What CD terms does California Community Credit Union offer?The California Community Credit Union CD terms MonitorBankRates tracks include 6 month, 12 month, 2 year and 5 year terms, with rates from 3.85% to 4.00% APY. The institution may offer other terms or specials that are not listed here, so check with California Community Credit Union for its full lineup. What is the highest savings rate at California Community Credit Union?The highest savings rate MonitorBankRates has verified for California Community Credit Union is 0.05% APY on its Auxillary Savings, as of October 26, 2026. What is the highest money market rate at California Community Credit Union?The highest money market rate MonitorBankRates has verified for California Community Credit Union is 0.75% APY on its Money Market Accounts, as of October 26, 2026. What is the highest checking rate at California Community Credit Union?The highest checking rate MonitorBankRates has verified for California Community Credit Union is 0.05% APY on its Checking, as of October 26, 2026. What is the lowest 30 year fixed mortgage rate at California Community Credit Union?The lowest 30 year fixed mortgage rate MonitorBankRates has verified for California Community Credit Union is 6.82% rate on its Fixed-Rate Mortgage - 30-Year Fixed, as of October 26, 2026. What is the lowest personal loan rate at California Community Credit Union?The lowest personal loan rate MonitorBankRates has verified for California Community Credit Union is 8.95% APR on its Personal Signature Loan, as of October 26, 2026. What is the lowest credit card APR at California Community Credit Union?The lowest credit card rate MonitorBankRates has verified for California Community Credit Union is 8.90% APR on its Visa Credit Card, as of October 26, 2026. How many branches does California Community Credit Union operate?California Community 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 California Community Credit Union?Yes, to access services at California Community 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, California Community 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, California Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does California Community Credit Union offer online and mobile banking?Most modern institutions like California Community 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.caccu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do California Community Credit Union rates compare?California Community Credit Union's top rates are 4.00% APY on its Jumbo CD - 6 Month-Special, 0.05% APY on its Auxillary Savings, 0.75% APY on its Money Market Accounts, 0.05% APY on its Checking, 6.18% on its Fixed-Rate Mortgage - 15-Year Fixed, 8.95% APR on its Personal Signature Loan and 8.90% APR on its Visa Credit Card, verified by MonitorBankRates on October 26, 2026. Current California Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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