What are the current interest rates at Nikkei Credit Union?

Current rates for Nikkei Credit Union include: 12-Month CD: 2.78%, 24-Month CD: 2.68%, Savings: 0.20%, MMA: 0.30%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Nikkei Credit Union Rates & Review October 2026

Q: How many branches does Nikkei Credit Union operate?

Nikkei 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.

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

Yes, to access services at Nikkei 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: Is there a first-time homebuyer program?

Currently, Nikkei 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Nikkei 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

Nikkei Credit Union's top rates as of October 13, 2026 are 3.20% APY on its Jumbo Term CD Accounts - 12 month, 0.20% APY on savings, 0.30% APY on money market accounts, 6.20% 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 Nikkei Credit Union CD rates include Jumbo Term CD Accounts - 6 month at 3.20%, Jumbo Term CD Accounts - 24 month at 3.09%, and Jumbo Term CD Accounts - 36 month at 3.09%. Other Nikkei Credit Union mortgage rates include 1st Trust Deed Mortgage at 6.30%, 1st Trust Deed Mortgage at 6.40%, and 1st Trust Deed Mortgage at 6.50%. MonitorBankRates evaluates the financial stability of Nikkei Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.19%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.19%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Nikkei Credit Union
Nikkei Credit Union - Gardena Branch

18425 S Western Ave
Gardena, CA 90248

https://www.nikkeicu.org

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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.

Nikkei Credit Union CD Rates

Product	Rate	APY	Term
Jumbo Term Share Certificate Accounts - 12 month	3.15%	3.20%	12 Months
Min Balance $100,000 Details Minimum Balance: $100,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
Jumbo Term Share Certificate Accounts - 6 month	3.15%	3.20%	6 Months
Min Balance $100,000 Details Minimum Balance: $100,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
Jumbo Term Share Certificate Accounts - 24 month	3.05%	3.09%	24 Months
Min Balance $100,000 Details Minimum Balance: $100,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.09% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
Jumbo Term Share Certificate Accounts - 36 month	3.05%	3.09%	36 Months
Min Balance $100,000 Details Minimum Balance: $100,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.09% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
12 Month Flex Term Share Certificate Accounts	2.95%	2.99%	12 Months
Min Balance $100,000 Details Term: 12 Months with 2 Withdrawals; Withdrawals may not be reduced to less than the minimum balance of $100,000 or $250,000; rates based on account balance Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 2.78% → 2.99% ▲ 0.21 pts · high 2.99% / low 2.78% Oct 13, 20262.99%▲ from 2.78% Sep 18, 20262.78%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
12 Month Term Share Certificate	2.95%	2.99%	12 Months
Min Balance $50,000 Details Minimum Balance $50,000.00 tier Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.78% → 2.99% ▲ 0.21 pts · high 2.99% / low 2.78% Oct 13, 20262.99%▲ from 2.78% Sep 14, 20262.78%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
6 Month Term Share Certificate	2.95%	2.99%	6 Months
Min Balance $50,000 Details Minimum Balance $50,000.00 tier Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.78% → 2.99% ▲ 0.21 pts · high 2.99% / low 2.78% Oct 13, 20262.99%▲ from 2.78% Sep 14, 20262.78%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
12 Month Term Share Certificate	2.85%	2.89%	12 Months
Min Balance $25,000 Details Balance: $25,000.00 minimum Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.78% → 2.89% ▲ 0.11 pts · high 2.89% / low 2.78% Oct 13, 20262.89%▲ from 2.78% Sep 14, 20262.78%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
24 Month Term Share Certificate	2.85%	2.89%	24 Months
Min Balance $50,000 Details Minimum Balance $50,000.00 tier Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.68% → 2.89% ▲ 0.21 pts · high 2.89% / low 2.68% Oct 13, 20262.89%▲ from 2.68% Sep 14, 20262.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
36 Month Term Share Certificate	2.85%	2.89%	36 Months
Min Balance $50,000 Details Minimum Balance $50,000.00 tier Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.68% → 2.89% ▲ 0.21 pts · high 2.89% / low 2.68% Oct 13, 20262.89%▲ from 2.68% Sep 14, 20262.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
6 Month Term Share Certificate	2.85%	2.89%	6 Months
Min Balance $25,000 Details Balance: $25,000.00 minimum Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.78% → 2.89% ▲ 0.11 pts · high 2.89% / low 2.78% Oct 13, 20262.89%▲ from 2.78% Sep 14, 20262.78%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
12 Month Flex Term Share Certificate Accounts	2.75%	2.78%	12 Months
Min Balance $50,000 Details 12 Months with 2 Withdrawals; Minimum Balance $50,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.78% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
12 Month Term Share Certificate Accounts	2.75%	2.78%	12 Months
Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.78% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
24 Month Term Share Certificate	2.75%	2.78%	24 Months
Min Balance $25,000 Details Balance: $25,000.00 minimum Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.68% → 2.78% ▲ 0.10 pts · high 2.78% / low 2.68% Oct 13, 20262.78%▲ from 2.68% Sep 14, 20262.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
36 Month Term Share Certificate	2.75%	2.78%	36 Months
Min Balance $25,000 Details Balance: $25,000.00 minimum Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.68% → 2.78% ▲ 0.10 pts · high 2.78% / low 2.68% Oct 13, 20262.78%▲ from 2.68% Sep 14, 20262.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
6 Month Term Share Certificate Accounts	2.75%	2.78%	6 Months
Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.78% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
24 Month Term Share Certificate Accounts	2.65%	2.68%	24 Months
Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.68% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
36 Month Term Share Certificate Accounts	2.65%	2.68%	36 Months
Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.68% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%

Nikkei Credit Union Savings Rates

Product	Rate	APY
Savings Accounts	0.20%	0.20%
Min Deposit $10,000 Min Balance $10,000 Details Balance and deposit printed as $100,00.00 on source page Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
Savings Accounts	0.10%	0.10%
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
Savings Accounts	0.05%	0.05%
Min Deposit $5,000 Min Balance $5,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%

Nikkei Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	0.30%	0.30%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
Money Market Accounts	0.20%	0.20%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000.00 minimum Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
Money Market Accounts	0.10%	0.10%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 minimum Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
Money Market Accounts	0.05%	0.05%
Min Deposit $3,000 Min Balance $3,000 Details Balance: $3,000.00 minimum Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%

Nikkei Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
1st Trust Deed Mortgage	-	-	6.20%	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 22, 2026 · 6.20% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
1st Trust Deed Mortgage	-	-	6.30%	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 22, 2026 · 6.30% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
1st Trust Deed Mortgage	-	-	6.30%	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 22, 2026 · 6.30% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
1st Trust Deed Mortgage	-	-	6.40%	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 22, 2026 · 6.40% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
1st Trust Deed Mortgage	-	-	6.40%	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 22, 2026 · 6.40% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
1st Trust Deed Mortgage	-	-	6.40%	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 22, 2026 · 6.40% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
1st Trust Deed Mortgage	-	-	6.50%	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 22, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
1st Trust Deed Mortgage	-	-	6.50%	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 22, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
1st Trust Deed Mortgage	-	-	6.50%	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 22, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
1st Trust Deed Mortgage	-	-	6.50%	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 22, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
1st Trust Deed Mortgage	-	-	6.60%	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 22, 2026 · 6.60% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
1st Trust Deed Mortgage	-	-	6.60%	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 22, 2026 · 6.60% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
1st Trust Deed Mortgage	-	-	6.60%	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 22, 2026 · 6.60% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
1st Trust Deed Mortgage	-	-	6.70%	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 22, 2026 · 6.70% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
1st Trust Deed Mortgage	-	-	6.70%	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 22, 2026 · 6.70% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
1st Trust Deed Mortgage	-	-	6.80%	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 22, 2026 · 6.80% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%

Nikkei Credit Union Home Equity & HELOC

Product	Rate	Points	APR
HELOC - 1st Lien 5/1 ARM	-	-	6.00%
Details As Low As; LTV <= 50%; Maximum 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: 13.19%
HELOC - 1st Lien 5/1 ARM	-	-	6.10%
Details As Low As; LTV 51%-60%; Maximum 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: 13.19%
HELOC - 1st Lien 5/1 ARM	-	-	6.20%
Details As Low As; LTV 61%-70%; Maximum 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: 13.19%
HELOC - 1st Lien 5/1 ARM	-	-	6.30%
Details As Low As; LTV 71%-80%; Maximum 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: 13.19%
HELOC - Junior Lien 5/1 ARM	-	-	6.50%
Details As Low As; LTV <= 50%; Maximum Amount: $600,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
HELOC - Junior Lien 5/1 ARM	-	-	6.60%
Details As Low As; LTV 51%-60%; Maximum Amount: $600,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.60% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
HELOC - Junior Lien 5/1 ARM	-	-	6.70%
Details As Low As; LTV 61%-70%; Maximum Amount: $600,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.70% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
HELOC - Junior Lien 5/1 ARM	-	-	6.80%
Details As Low As; LTV 71%-80%; Maximum Amount: $600,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.80% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%

Nikkei 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: 13.19%
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: 13.19%

Nikkei 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: 13.19%
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 13, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
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 9, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%

Nikkei Credit Union Credit Card Rates

Product	Rate	APR
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: 13.19%
Visa Credit Card	-	13.00%
Details As Low As; Low fixed rates starting at 13% APR; APR for purchases, cash advances, and balance transfers ranges from 13.00% to 18.00% based on creditworthiness; no annual fee Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%

Nikkei Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loan	13.00%	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: 13.19%

Nikkei Credit Union Other Rates

Product	Rate	Points	APY/APR
Home Loans	-	-	5.65%
Details As Low As; Home Loans APR advertised on homepage Rates section Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.65% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
Individual Retirement Accounts (Traditional and Roth)	0.05%	-	0.05%
Min Deposit $500 Min Balance $500 Details Balance: $500.00 minimum Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
Individual Retirement Accounts (Traditional and Roth)	0.10%	-	0.10%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 minimum Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
Individual Retirement Accounts (Traditional and Roth)	0.20%	-	0.20%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000.00 minimum Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
Individual Retirement Accounts (Traditional and Roth)	0.30%	-	0.30%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
Youth Accounts	0.05%	-	0.05%
Min Deposit $50 Min Balance $50 Details Balance: $50.00 minimum Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
Youth Accounts	0.10%	-	0.10%
Min Deposit $500 Min Balance $500 Details Balance: $500.00 minimum Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%
Youth Accounts	0.20%	-	0.20%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 minimum Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.19%

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

Nikkei Credit Union’s Texas Ratio rose from 6.29% in Q3 2023 to 13.19% in Q2 2026, so its financial health has held steady at a healthy level 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	$82M	13.19%	5.0	A
March 31, 2026	$81M	6.25%	5.0	A
December 31, 2025	$80M	6.22%	5.0	A
September 30, 2025	$80M	0.31%	5.0	A+
June 30, 2025	$81M	0.59%	5.0	A+
March 31, 2025	$82M	5.64%	5.0	A+
December 31, 2024	$82M	5.49%	5.0	A+
September 30, 2024	$84M	13.42%	5.0	A
June 30, 2024	$85M	8.03%	5.0	A
March 31, 2024	$86M	7.72%	5.0	A
December 31, 2023	$88M	6.89%	5.0	A
September 30, 2023	$90M	6.29%	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 Nikkei 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 Nikkei 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 Nikkei Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Nikkei Credit Union

Website https://www.nikkeicu.org

Address 18425 S Western Ave, Gardena, CA 90248

Phone 310-324-1544

Fax 310-324-1659

President Gary Nakata

CEO Jon Hernandez

Full-Time Employees 13

Part-Time Employees 2

Branch Locations 2

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 (93/100)

Texas Ratio

13.19%

Return on Assets (ROA)

0.0660%

Return on Equity (ROE)

0.4640%

Non-Performing Loans Ratio (NPL)

2.69%

Total Assets

81,532,667

Total Amount of Shares and Deposits

69,564,561

Total Shares and Deposits < 1 Year

67,576,751

Total Shares and Deposits 1 3 Years

1,987,810

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

469,408

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

469,408

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

69,095,153

Total Interest Expense (Sum of items 6 8)

446,856

Share Certificates

672

Number of Accounts for Share Drafts

1,426

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,747

Money Market Shares

109

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)

3,178,352

Total Liabilities

70,019,558

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Nikkei Credit Union earned the Verified Healthy badge

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Customer Reviews

There are no reviews for Nikkei 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 Nikkei Credit Union

Frequently Asked Questions About Nikkei Credit Union

How many branches does Nikkei Credit Union operate?

Nikkei 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 Nikkei Credit Union?

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

Does Nikkei Credit Union offer online and mobile banking?

Most modern institutions like Nikkei 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.nikkeicu.org.

Current Nikkei Credit Union Rates

12-Month CD2.78%
24-Month CD2.68%
Savings0.20%
MMA0.30%

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

Compare to Other Credit Unions

Nikkei Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Nikkei Credit Union Texas Ratio

Nikkei Credit Union Health Trend

Nikkei Credit Union CD Rates

Nikkei Credit Union Savings Rates

Nikkei Credit Union Money Market Rates

Nikkei Credit Union Mortgage Rates

Nikkei Credit Union Home Equity & HELOC

Nikkei Credit Union Auto Loan Rates

Nikkei Credit Union RV, Boat and Powersport Loan Rates

Nikkei Credit Union Credit Card Rates

Nikkei Credit Union Personal Loan Rates

Nikkei Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Nikkei Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Nikkei Credit Union

How many branches does Nikkei Credit Union operate?

Is a member application needed to join Nikkei Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Nikkei Credit Union offer online and mobile banking?

Current Nikkei Credit Union Rates

Compare to Other Credit Unions