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Diablo Valley Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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 13, 2026

Diablo Valley Federal Credit Union's top rates as of October 13, 2026 are 3.65% APY on its 90 Day CD Account and IRA Account, 0.75% APY on money market accounts, personal loans from 9.99% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Diablo Valley Federal Credit Union CD rates include CD Account and IRA Account - 90 Days at 3.65%, 90 Day CD Account and IRA Account at 3.40%, and CD Account and IRA Account - 90 Days at 3.40%. MonitorBankRates evaluates the financial stability of Diablo Valley Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.23%. Rates last updated and verified on 10/13/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 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 ?
0.23%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Diablo Valley Federal Credit Union
Concord
1051 Detroit Ave Ste A
Concord, CA 94518-2457
https://www.diablovalleyfcu.org
Member NCUA
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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.

Diablo Valley Federal Credit Union CD Rates

Product Rate APY Term View More
90 Day Certificate Account and IRA Account 3.595% 3.65% 90 Days
Min Balance $10,000
Details Balance: $10,000.00 and over; $100,000 per member maximum
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Certificate Account and IRA Account - 90 Days 3.595% 3.65% 90 Days
Min Balance $10,000
Details Balance: $10,000 and over; $100,000 per member maximum
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.41% → 3.65% ▲ 0.24 pts · high 3.65% / low 3.41%
2.91%3.53%4.15%Sep 14, 2026: 3.41% APYOct 13, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.65%▲ from 3.41%
  • Sep 14, 20263.41%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
90 Day Certificate Account and IRA Account 3.35% 3.40% 90 Days
Min Balance $1,000
Details Balance: $1,000.00 - $9,999.99; $100,000 per member maximum
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Certificate Account and IRA Account - 90 Days 3.35% 3.40% 90 Days
Min Balance $1,000
Details Balance: $1,000-$9,999.99; $100,000 per member maximum
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.41% → 3.40% ▼ 0.01 pts · high 3.41% / low 3.40%
2.90%3.41%3.91%Sep 14, 2026: 3.41% APYOct 13, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.40%▼ from 3.41%
  • Sep 14, 20263.41%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
36 Month Certificate Account and IRA Account 2.08% 2.10% 36 Months
Min Balance $10,000
Details Balance: $10,000.00 and over
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 2.10% APY · checked 6 times
1.60%2.10%2.60%Sep 18, 2026: 2.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
36 Month Certificate Account and IRA Account 1.98% 2.00% 36 Months
Min Balance $1,000
Details Balance: $1,000.00 - $9,999.99
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
24 Month Certificate Account and IRA Account 1.83% 1.85% 24 Months
Min Balance $10,000
Details Balance: $10,000.00 and over
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 1.85% APY · checked 6 times
1.35%1.85%2.35%Sep 18, 2026: 1.85% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
24 Month Certificate Account and IRA Account 1.74% 1.75% 24 Months
Min Balance $1,000
Details Balance: $1,000.00 - $9,999.99
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
12 Month Certificate Account and IRA Account 1.39% 1.40% 12 Months
Min Balance $10,000
Details Balance: $10,000.00 and over
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 1.40% APY · checked 6 times
0.90%1.40%1.90%Sep 18, 2026: 1.40% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
6 Month Certificate Account and IRA Account 1.29% 1.30% 6 Months
Min Balance $10,000
Details Balance: $10,000.00 and over
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 1.30% APY · checked 6 times
0.80%1.30%1.80%Sep 18, 2026: 1.30% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
12 Month Certificate Account and IRA Account 1.19% 1.20% 12 Months
Min Balance $1,000
Details Balance: $1,000.00 - $9,999.99
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 1.20% APY · checked 4 times
0.70%1.20%1.70%Sep 18, 2026: 1.20% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
6 Month Certificate Account and IRA Account 1.14% 1.15% 6 Months
Min Balance $1,000
Details Balance: $1,000.00 - $9,999.99
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 1.15% APY · checked 4 times
0.65%1.15%1.65%Sep 18, 2026: 1.15% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%

Diablo Valley Federal Credit Union Savings Rates

Product Rate APY View More
All Club Accounts 0.05% 0.05%
Min Deposit $5
Min Balance $5
Details Dividend Rate; Average Daily Balance $5
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Christmas Club 0.05% 0.05%
Min Deposit $5
Min Balance $5
Details Dividend Rate; Average Daily Balance $5
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%

Diablo Valley Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market Account 0.75% 0.75%
Min Deposit $100,000
Min Balance $100,000
Details Balance: $100,000 and up; Limited check access per month
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Money Market Account 0.55% 0.55%
Min Deposit $50,000
Min Balance $50,000
Details Balance: $50,000-$99,999.99; Limited check access per month
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 7 times
0.05%0.55%1.05%Sep 14, 2026: 0.55% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Money Market Account 0.50% 0.50%
Min Deposit $25,000
Min Balance $25,000
Details Balance: $25,000 - $49,999; Limited check access per month
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Money Market Account 0.45% 0.45%
Min Deposit $10,000
Min Balance $10,000
Details Balance: $10,000-$24,999.99; Limited check access per month
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 7 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Money Market Account 0.30% 0.30%
Min Deposit $5
Min Balance $5
Details Balance: $5-$4,999.99; Limited check access per month
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 7 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%

Diablo Valley Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - Variable Rate 7.25% - 7.25%
Details 80% Financed; Margin: 3.00%; Index: 4.25% (26-Week Coupon Equivalent Average Treasury Bill rate, calculated from the previous month); Rates updated quarterly on January 1st, April 1st, July 1st and October 1st; Commencing October 1st, 2026
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.25% ▲ 0.50 pts · high 7.25% / low 6.75%
6.25%7.00%7.75%Sep 14, 2026: 6.75% APROct 9, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20267.25%▲ from 6.75%
  • Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%

Diablo Valley Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - 2025 or Newer - - 4.99% Up to 84 months
Details Published APR range: 4.99%-14.68%. 100% Financing; Model Year: 2025 or Newer; Fixed; Minimum of $30,000 amount financed for 84 months; Rates shown are for qualified borrowers and may vary with the vehicle, amount financed, term and credit history
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Auto Loan - 2021-2024 - - 5.58% Up to 84 months
Details Published APR range: 5.58%-14.68%. 100% Financing; Model Year: 2021-2024; Fixed; Minimum of $30,000 amount financed for 84 months; Rates shown are for qualified borrowers and may vary with the vehicle, amount financed, term and credit history
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 5.58% APR
5.08%5.58%6.08%Oct 13, 2026: 5.58% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Recreational Sports Vehicle Loan - - 9.75% Up to 60 months
Details 80% Financing; 30' Maximum Length
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 9.75% APR · checked 9 times
9.25%9.75%10.25%Sep 14, 2026: 9.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Auto Loan - 2016-2020 - - 10.98% Up to 72 months
Details Published APR range: 10.98%-14.68%. 100% Financing; Model Year: 2016-2020; Fixed; Minimum of $15,000 amount financed for 72 months; Vehicles older than 2016 model year considered on an exception basis only; Rates shown are for qualified borrowers and may vary with the vehicle, amount financed, term and credit history
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 10.98% APR
10.48%10.98%11.48%Oct 13, 2026: 10.98% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%

Diablo Valley Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
RV/Boat Loan - 7.75% Up to 120 months
Details under $35,000; 80% Financing
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 8 times
7.25%7.75%8.25%Sep 14, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
RV/Boat Loan - 8.75% Up to 180 months
Details over $35,000; 80% Financing
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 8 times
8.25%8.75%9.25%Sep 14, 2026: 8.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%

Diablo Valley Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Platinum - 9.90%
Details Published APR range: 9.9% - 15.9%. Annual Percentage Rate for Purchases; Variable rate based on credit score; Cash Advance APR same as above; Grace period for purchases 25 days; Average Daily Balance (including new purchases); Minimum payment 3% of total new balance or $25, whichever is greater; Annual fee; Minimum finance charge; Transaction fee for purchases; Late payment fee $15; Information accurate as of 08/2013
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 9.90% APR · checked 9 times
9.40%9.90%10.40%Sep 14, 2026: 9.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%

Diablo Valley Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loan Fixed Rate - 12 Months 9.99% 12 Months
Details Maturity: 12 Months
Last Updated 10/13/2026
Rate History
No change since Sep 21, 2026 · 9.99% APR · checked 4 times
9.49%9.99%10.49%Sep 21, 2026: 9.99% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Personal Loan Fixed Rate - 24 Months 10.99% 24 Months
Details Maturity: 24 Months
Last Updated 10/13/2026
Rate History
No change since Sep 21, 2026 · 10.99% APR · checked 4 times
10.49%10.99%11.49%Sep 21, 2026: 10.99% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Personal Loan: Fixed Rate 10.99% 12 Months
Details Fixed Rate
Last Updated 10/13/2026
Rate History
1 change since Sep 18, 2026 · 9.99% → 10.99% ▲ 1.00 pts · high 10.99% / low 9.99%
8.99%10.49%11.99%Sep 18, 2026: 9.99% APROct 13, 2026: 10.99% APRSep 18, 2026Oct 13, 2026
  • Oct 13, 202610.99%▲ from 9.99%
  • Sep 18, 20269.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Personal Loan: Fixed Rate 11.99% 24 Months
Details Fixed Rate
Last Updated 10/13/2026
Rate History
1 change since Sep 18, 2026 · 10.99% → 11.99% ▲ 1.00 pts · high 11.99% / low 10.99%
9.99%11.49%12.99%Sep 18, 2026: 10.99% APROct 13, 2026: 11.99% APRSep 18, 2026Oct 13, 2026
  • Oct 13, 202611.99%▲ from 10.99%
  • Sep 18, 202610.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Personal Loan Fixed Rate - 36 Months 12.99% 36 Months
Details Maturity: 36 Months
Last Updated 10/13/2026
Rate History
No change since Sep 21, 2026 · 12.99% APR · checked 4 times
12.49%12.99%13.49%Sep 21, 2026: 12.99% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Personal Loan: Fixed Rate 12.99% 36 Months
Details Fixed Rate
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 12.99% APR · checked 4 times
12.49%12.99%13.49%Sep 18, 2026: 12.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Personal Loan Fixed Rate - 48 Months 14.99% 48 Months
Details Maturity: 48 Months
Last Updated 10/13/2026
Rate History
No change since Sep 21, 2026 · 14.99% APR · checked 4 times
14.49%14.99%15.49%Sep 21, 2026: 14.99% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Personal Loan: Fixed Rate 14.99% 48 Months
Details Fixed Rate
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 14.99% APR · checked 4 times
14.49%14.99%15.49%Sep 18, 2026: 14.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Personal Loan Fixed Rate - 60 Months 15.99% 60 Months
Details Maturity: 60 Months
Last Updated 10/13/2026
Rate History
No change since Sep 21, 2026 · 15.99% APR · checked 4 times
15.49%15.99%16.49%Sep 21, 2026: 15.99% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Personal Loan: Fixed Rate 15.99% 60 Months
Details Fixed Rate
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 15.99% APR · checked 4 times
15.49%15.99%16.49%Sep 18, 2026: 15.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%

Diablo Valley Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Certificate Account and IRA Account - 12 Months 1.19% - 1.20% 12 Months
Min Balance $1,000
Details Balance: $1,000-$9,999.99
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 2 times
0.70%1.20%1.70%Sep 14, 2026: 1.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Certificate Account and IRA Account - 12 Months 1.39% - 1.40% 12 Months
Min Balance $10,000
Details Balance: $10,000 and over
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 2 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Certificate Account and IRA Account - 24 Months 1.74% - 1.75% 24 Months
Min Balance $1,000
Details Balance: $1,000-$9,999.99
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Certificate Account and IRA Account - 24 Months 1.83% - 1.85% 24 Months
Min Balance $10,000
Details Balance: $10,000 and over
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 2 times
1.35%1.85%2.35%Sep 14, 2026: 1.85% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Certificate Account and IRA Account - 36 Months 1.98% - 2.00% 36 Months
Min Balance $1,000
Details Balance: $1,000-$9,999.99
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Certificate Account and IRA Account - 36 Months 2.08% - 2.10% 36 Months
Min Balance $10,000
Details Balance: $10,000 and over
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 2 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Certificate Account and IRA Account - 6 Months 1.14% - 1.15% 6 Months
Min Balance $1,000
Details Balance: $1,000-$9,999.99
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 2 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Certificate Account and IRA Account - 6 Months 1.29% - 1.30% 6 Months
Min Balance $10,000
Details Balance: $10,000 and over
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.30% APY · checked 2 times
0.80%1.30%1.80%Sep 14, 2026: 1.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Educational IRA 0.05% - 0.05%
Min Deposit $5
Min Balance $5
Details Dividend Rate; Average Daily Balance $5
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
Regular Share 0.05% - 0.05%
Min Deposit $5
Min Balance $5
Details Dividend Rate; Average Daily Balance $5
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.23%
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.
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Financial Health History

Diablo Valley Federal Credit Union’s Texas Ratio stayed near 0.20% in Q3 2023 to 0.23% 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 — 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.

0% 1.0★ 0.3% 2.0★ 0.5% 3.0★ 0.8% 4.0★ 1% 5.0★ Healthy zone – entire history below the 15% limit 0.20% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.23% A+ Q2 2026
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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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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$40M0.23%5.0A+
March 31, 2026$40M0.18%5.0A+
December 31, 2025$40M0.23%5.0A+
September 30, 2025$40M0.16%5.0A+
June 30, 2025$41M0.10%5.0A+
March 31, 2025$40M0.40%5.0A+
December 31, 2024$40M0.23%5.0A+
September 30, 2024$42M0.10%5.0A+
June 30, 2024$42M0.09%5.0A+
March 31, 2024$42M0.31%5.0A+
December 31, 2023$42M0.58%5.0A+
September 30, 2023$42M0.20%5.0A+
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 Diablo Valley 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 Diablo Valley 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 Diablo Valley Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Diablo Valley Federal Credit Union
Website https://www.diablovalleyfcu.org
Address 1051 Detroit Ave Ste A, Concord, CA 94518-2457
Phone 925-771-5600
Fax 925-771-5601
President Randall King
CEO John Pamer
Full-Time Employees 7
Part-Time Employees 0
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
0.23%
Return on Assets (ROA)
0.0313%
Return on Equity (ROE)
0.2872%
Non-Performing Loans Ratio (NPL)
0.05%
Total Assets
40,052,719
Total Amount of Shares and Deposits
35,622,485
Total Shares and Deposits < 1 Year
35,346,927
Total Shares and Deposits 1 3 Years
275,558
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
306,291
Total Uninsured Shares and Deposits > $250K (F+J)
306,291
Total Insured Shares and Deposits > $250K (item 17 less item K)
35,316,194
Total Interest Expense (Sum of items 6 8)
88,390
Share Certificates
130
Number of Accounts for Share Drafts
1,395
IRA KEOGH Accounts
42
Number of Accounts for Regular Shares
2,136
All other shares
357
Money Market Shares
239
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)
6,821,349
Total Liabilities
35,880,966
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Diablo Valley 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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Diablo Valley Federal Credit Union

How many branches does Diablo Valley Federal Credit Union operate?

Diablo Valley 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 Diablo Valley Federal Credit Union?

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

Does Diablo Valley Federal Credit Union offer online and mobile banking?

Most modern institutions like Diablo Valley 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.diablovalleyfcu.org.

Current Diablo Valley Federal Credit Union Rates

  • 12-Month CD1.20%
  • 24-Month CD1.75%
  • MMA0.75%
Retrieved from our database of financial products. Rates subject to change.

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