What are the current interest rates at Farmers Insurance Federal Credit Union?

Current rates for Farmers Insurance Federal Credit Union include: Savings: 0.05%, MMA: 0.05%

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Farmers Insurance Federal Credit Union

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Farmers Insurance Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Farmers Insurance 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: August 28, 2026

Farmers Insurance Federal Credit Union's 3-Month CD rates are at 4.00%, 6-Month CD rates are at 4.00%, 9-Month CD Account rates are at 4.00%, 48mos. CD of Deposit rates are at 3.75%, 48mos. IRA CD rates are at 3.75%. Farmers Insurance Federal Credit Union's savings rates are at 0.05%. Farmers Insurance Federal Credit Union's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of Farmers Insurance Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.00%. Rates last updated and verified on 08/28/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.00%

Excellent Higher than avg

Farmers Insurance Federal Credit Union
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION

2255 N Ontario St
Burbank, CA 91504

https://www.figfcu.org

Farmers Insurance Federal Credit Union CD Rates

Product	Rate	APY	Term
3-Month Share Certificate	3.93%	4.00%	3 months
Min Deposit $1,000 Details Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
6-Month Share Certificate	3.93%	4.00%	6 months
Min Deposit $1,000 Details Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
9-Month Certificate Account	3.93%	4.00%	9 months
Min Deposit $1,000 Details Limited Time Offer No Penalty. Bonus Rate may not be combined with any other rate increase/bonus. Deposit must be new funds to the Credit Union and may not be transferred or withdrawn and deposited back into the Credit Union from any existing Credit Union account. No additional deposits accepted (other than dividends) during certificate term. Normal substantial penalty for early withdrawal of Certificate funds will be waived as follows: 1) No withdrawals within the first 30 days of setting up the certificate 2) One withdrawal, partial withdrawal, or closure allowed per calendar month after the initial 30 days. Fees and other conditions may reduce earnings. The Limited Time No Penalty 9-Month Certificate will automatically roll over to a 9-month Certificate at maturity. Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
48mos. Certificate of Deposit	-	3.75%	48mos.
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
48mos. IRA Certificate	-	3.75%	48mos.
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
36mos. Certificate of Deposit	-	3.50%	36mos.
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
36mos. IRA Certificate	-	3.50%	36mos.
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
12mos. Certificate of Deposit	-	3.25%	12mos.
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
12mos. IRA Certificate	-	3.25%	12mos.
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
30mos. Certificate of Deposit	-	3.00%	30mos.
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
30mos. IRA Certificate	-	3.00%	30mos.
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
9mos. Certificate of Deposit	-	2.85%	9mos.
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
6mos. Certificate of Deposit	-	2.75%	6mos.
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
18mos. IRA Certificate	-	2.75%	18mos.
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
3mos. Certificate of Deposit	-	2.00%	3mos.
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%

Farmers Insurance Federal Credit Union Savings Rates

Product	Rate	APY
Online Savings	-	2.75%
Details Online Savings w/Direct Deposit into Checking. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
High Yield IRA Savings	-	2.25%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
Rainy Day Savings	-	1.75%
Min Balance $0 Details Interest earning savings account eligible for 1.75% APY interest on balances up to $2,000 and 0.10% APY on balances over $2,000 when funded via recurring ACH deposit or other qualifying external funds. This account is limited to two withdrawals per calendar year, each withdrawal in excess of this amount will incur a $20 excessive withdrawal fee that must be paid at the time of the withdrawal. This account does not qualify for withdrawal access via debit or check and does not support transactions originating via VRU, online banking, mobile banking, or ATMs. Withdrawals can be made in person at a Credit Union branch or by calling us at 800.877.2345. This account does not qualify for overdraft protection. Account holder must be a member with a regular share account who is in good standing. Current interest rates and the annual percentage yield may be found at the Credit Union's website, may be verified at a Credit Union Branch or by calling 800.877.2345. Interest rates earned and qualifying dollar amounts for interest earned are subject to change at any time. APRs and eligibility criteria are subject to change at any time. Fees may reduce earnings. Limit one Rainy Day Account per qualified membership. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
Health Savings	-	1.25%
Details Consult your tax advisor or refer to IRS Publication 502. Contribution limitations and other restrictions apply to HSAs. To have a Federally Qualified HSA, you must purchase and maintain a HDHP with minimum deductibles of $1,300 (individual) and $2,600 (family), and maximum out of pocket expenses less than $6,850 (individual) and $13,700 (family). Generally you cannot be covered by another low-deductible health insurance policy. The tax treatment of HSA contributions and distributions under your state's income tax laws may differ from the referenced federal tax treatment, and from state to state. Consult with your financial or tax advisor for more information. This Credit Union is federally-insured by the National Credit Union Administration. Qualified medical expenses are tax-free. Refer to section 213 (d) of the IRS Tax Code. Visit the U.S. Department of Treasury website for up-to-date contribution limits and more detailed information on plans and taxes. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
Club Accounts	-	0.25%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
Tax Saver	-	0.25%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
Rainy Day Savings	-	0.10%
Min Balance $2,000 Details Interest earning savings account eligible for 1.75% APY interest on balances up to $2,000 and 0.10% APY on balances over $2,000 when funded via recurring ACH deposit or other qualifying external funds. This account is limited to two withdrawals per calendar year, each withdrawal in excess of this amount will incur a $20 excessive withdrawal fee that must be paid at the time of the withdrawal. This account does not qualify for withdrawal access via debit or check and does not support transactions originating via VRU, online banking, mobile banking, or ATMs. Withdrawals can be made in person at a Credit Union branch or by calling us at 800.877.2345. This account does not qualify for overdraft protection. Account holder must be a member with a regular share account who is in good standing. Current interest rates and the annual percentage yield may be found at the Credit Union's website, may be verified at a Credit Union Branch or by calling 800.877.2345. Interest rates earned and qualifying dollar amounts for interest earned are subject to change at any time. APRs and eligibility criteria are subject to change at any time. Fees may reduce earnings. Limit one Rainy Day Account per qualified membership. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
Membership Savings	-	0.05%
Min Deposit $5 Details This account is required for membership and is your ownership into the Credit Union. Just $5 will open your Credit Union membership. Unlimited withdrawals and transfers. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%

Farmers Insurance Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market with Direct Deposit	-	0.50%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
Money Market with Direct Deposit	-	0.45%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
Money Market with Direct Deposit	-	0.40%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
Money Market with Direct Deposit	-	0.35%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
Money Market with Direct Deposit	-	0.30%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
Money Market	-	0.25%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
Money Market	-	0.20%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
IRA Money Market	-	0.15%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
Money Market	-	0.15%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
Money Market	-	0.10%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%
Money Market	-	0.05%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%

Farmers Insurance Federal Credit Union Checking Rates

Product	Rate	APY	View More
High Yield Checking	-	5.00%
Min Deposit $20 Details Qualifications Required: 10 or more Visa Debit Card purchase transactions monthly; Direct Deposit of $1,000 or more each month; Enroll in free eStatements; Earn 5.00% APY on balances up to $5,000; Receive a surcharge rebate of up to $10 a month; Unlimited check writing; First box of checks is free. Balances over $5,000 earn 0.20% APY. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%

Farmers Insurance Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loans	-	-	6.99%
Details Rates As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.00%

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.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Farmers Insurance 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 Farmers Insurance 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 Farmers Insurance Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Farmers Insurance Federal Credit Union

Website https://www.figfcu.org

Address 2255 N Ontario St, Burbank, CA 91504

Phone 800-877-2345

Fax 323-549-0272

President Rudy Trevino

CEO Mirella Reznic

Full-Time Employees 228

Part-Time Employees 3

Branch Locations 10

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 (94/100)

Texas Ratio

13.00%

Return on Assets (ROA)

0.0676%

Return on Equity (ROE)

0.6872%

Non-Performing Loans Ratio (NPL)

1.65%

Total Assets

1,334,022,899

Total Amount of Shares and Deposits

1,154,409,002

Total Shares and Deposits < 1 Year

958,520,219

Total Shares and Deposits 1 3 Years

132,432,725

Total Shares and Deposits > 3 Years

63,456,058

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

73,821,463

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

74,204,755

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

1,080,204,247

Total Interest Expense (Sum of items 6 8)

25,027,505

Share Certificates

6,033

Number of Accounts for Share Drafts

46,337

IRA KEOGH Accounts

1,698

Number of Accounts for Regular Shares

84,435

Non Member Deposits

468

Money Market Shares

1,994

Net Income (unless the amount is already included in Undivided Earnings)

901,437

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)

74,223,382

Total Liabilities

1,206,559,479

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Farmers Insurance Federal Credit Union

How many branches does Farmers Insurance Federal Credit Union operate?

Farmers Insurance 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 Farmers Insurance Federal Credit Union?

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

Does Farmers Insurance Federal Credit Union offer online and mobile banking?

Most modern institutions like Farmers Insurance 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.figfcu.org.