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

Current rates for Popa Federal Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.85%, 24-Month CD: 3.85%, Savings: 0.95%

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Popa Federal Credit Union

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Popa Federal Credit Union Rates & Review October 2026

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

Yes, to access services at Popa Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Popa Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Popa Federal Credit Union's top rates as of October 13, 2026 are 4.05% APY on its 18 Month CDs CD, 0.95% APY on savings, 6.25% on its Conventional Fixed - 15 Year Fixed Rate mortgage, personal loans from 12.49% APR, and credit cards from 11.75% APR, according to rates verified by MonitorBankRates. Other Popa Federal Credit Union CD rates include 24 Month CDs / Roth & Traditional IRA CDs at 4.05%, 36 Month CDs / Roth & Traditional IRA CDs at 4.05%, and 11 Month Promotional CD at 4.00%. Other Popa Federal Credit Union mortgage rates include Conventional Fixed - 30 Year Fixed Rate at 7.25%, Conventional Fixed - 30 Year Fixed Rate at 7.38%, and Conventional Fixed - 30 Year Fixed - Investment Property at 7.50%. MonitorBankRates evaluates the financial stability of Popa Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.71%. Rates last updated and verified on 10/13/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.71%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Popa Federal Credit Union
Cerritos Branch

13304 Alondra Blvd
Cerritos, CA 90703

https://www.popafcu.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.

Popa Federal Credit Union CD Rates

Product	Rate	APY	Term
18 Month Share Certificates	3.977%	4.05%	18 Months
Min Balance $200,000 Details Balance: $200,000.00 + Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
24 Month Share Certificates / Roth & Traditional IRA Share Certificates	3.977%	4.05%	24 Months
Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
36 Month Share Certificates / Roth & Traditional IRA Share Certificates	3.977%	4.05%	36 Months
Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
11 Month Promotional Share Certificate	3.928%	4.00%	11 Months
Min Balance $1,000 Details Balance: $1,000 +; Promotional rate effective as of 08/17/2026; limited time offer; membership required Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
18 Month Share Certificates	3.928%	4.00%	18 Months
Min Balance $90,000 Details Balance: $90,000.00 - $199,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
24 Month Share Certificates / Roth & Traditional IRA Share Certificates	3.928%	4.00%	24 Months
Min Balance $90,000 Details Balance: $90,000.00 - $199,999.99 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
36 Month Share Certificates / Roth & Traditional IRA Share Certificates	3.928%	4.00%	36 Months
Min Balance $90,000 Details Balance: $90,000.00 - $199,999.99 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
18 Month Share Certificates	3.88%	3.95%	18 Months
Min Balance $50,000 Details Balance: $50,000.00 - $89,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
24 Month Share Certificates / Roth & Traditional IRA Share Certificates	3.88%	3.95%	24 Months
Min Balance $50,000 Details Balance: $50,000.00 - $89,999.99 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
36 Month Share Certificates / Roth & Traditional IRA Share Certificates	3.88%	3.95%	36 Months
Min Balance $50,000 Details Balance: $50,000.00 - $89,999.99 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
18 Month Share Certificates	3.832%	3.90%	18 Months
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
24 Month Share Certificates / Roth & Traditional IRA Share Certificates	3.832%	3.90%	24 Months
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
36 Month Share Certificates / Roth & Traditional IRA Share Certificates	3.832%	3.90%	36 Months
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
18 Month Share Certificates	3.784%	3.85%	18 Months
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
24 Month Share Certificates / Roth & Traditional IRA Share Certificates	3.784%	3.85%	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 21, 2026 · 3.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
36 Month Share Certificates / Roth & Traditional IRA Share Certificates	3.784%	3.85%	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 21, 2026 · 3.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
12 Month Share Certificates	3.639%	3.70%	12 Months
Min Balance $200,000 Details Balance: $200,000.00 + Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
12 Month Share Certificates	3.59%	3.65%	12 Months
Min Balance $90,000 Details Balance: $90,000.00 - $199,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
12 Month Share Certificates	3.542%	3.60%	12 Months
Min Balance $50,000 Details Balance: $50,000.00 - $89,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
12 Month Share Certificates	3.494%	3.55%	12 Months
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
12 Month Share Certificates	3.445%	3.50%	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 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
6 Month Share Certificates	2.862%	2.90%	6 Months
Min Balance $50,000 Details Balance: $50,000.00 + Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
6 Month Share Certificates	2.765%	2.80%	6 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
6 Month Share Certificates	2.716%	2.75%	6 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%

Popa Federal Credit Union Savings Rates

Product	Rate	APY
Money Market Savings	0.946%	0.95%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000 +; $50.00 minimum deposit to open Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Money Market Savings	0.747%	0.75%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; $50.00 minimum deposit to open Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Money Market Savings	0.598%	0.60%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; $50.00 minimum deposit to open Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Money Market Savings	0.499%	0.50%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; $50.00 minimum deposit to open Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Money Market Savings	0.349%	0.35%
Min Deposit $50 Min Balance $50 Details Balance: $50 - $9,999.99; $50.00 minimum deposit to open Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Club/Sub-Share Savings	0.05%	0.05%
Min Balance $50 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
K-9 $avers Share Savings	0.05%	0.05%
Min Balance $50 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Regular Share Savings	0.05%	0.05%
Min Balance $50 Details $25k; Balance: less than $25,000 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Regular Share Savings	0.05%	0.05%
Min Balance $25,000 Details More than$25k; Balance: more than $25,000 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%

Popa Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings	0.946%	0.95%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000 +; $50.00 minimum deposit to open Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Money Market Savings	0.747%	0.75%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; $50.00 minimum deposit to open Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Money Market Savings	0.598%	0.60%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; $50.00 minimum deposit to open Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Money Market Savings	0.499%	0.50%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; $50.00 minimum deposit to open Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Money Market Savings	0.349%	0.35%
Min Deposit $50 Min Balance $50 Details Balance: $50 - $9,999.99; $50.00 minimum deposit to open Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%

Popa Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Fixed - 15 Year Fixed Rate	6.25%	0.000	6.345%	15 years
Details Additional APR listed for this product: 6.505%. Conventional Fixed; P&I per $100,000: $857.42; 1st Adj Rate: N/A; 1st Adj Payment: N/A Last Updated 10/13/2026 Rate History 1 change since Oct 2, 2026 · 6.59% → 6.35% ▼ 0.24 pts · high 6.59% / low 6.35% Oct 13, 20266.35%▼ from 6.59% Oct 2, 20266.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Conventional Fixed - 30 Year Fixed Rate	7.25%	1.000	7.417%	30 years
Details Conventional Fixed; P&I per $100,000: $682.18; 1st Adj Rate: N/A; 1st Adj Payment: N/A Last Updated 10/13/2026 Rate History No change since Oct 2, 2026 · 7.42% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Conventional Fixed - 30 Year Fixed Rate	7.375%	0.000	7.441%	30 years
Details Conventional Fixed; P&I per $100,000: $690.68; 1st Adj Rate: N/A; 1st Adj Payment: N/A Last Updated 10/13/2026 Rate History No change since Oct 2, 2026 · 7.44% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Conventional Fixed - 30 Year Fixed - Investment Property	7.50%	0.000	7.567%	30 years
Details Conventional Fixed; Investment Property; P&I per $100,000: $699.21; 1st Adj Rate: N/A; 1st Adj Payment: N/A Last Updated 10/13/2026 Rate History No change since Oct 2, 2026 · 7.57% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
High Balance - 15 Year Fixed Rate	7.50%	0.000	7.579%	15 years
Details High Balance; P&I per $100,000: $927.01; 1st Adj Rate: N/A; 1st Adj Payment: N/A Last Updated 10/13/2026 Rate History No change since Oct 2, 2026 · 7.58% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
High Balance - 30 Year Fixed Rate	8.00%	0.000	8.053%	30 years
Details Additional APR listed for this product: 8.160%. High Balance; P&I per $100,000: $733.76; 1st Adj Rate: N/A; 1st Adj Payment: N/A Last Updated 10/13/2026 Rate History No change since Oct 2, 2026 · 8.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%

Popa Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit - Variable	-	-	7.00%	Revolving
Details As Low As; Max Amount Financed: up to 80% CLTV; Variable rate based on Prime Rate plus a margin; maximum APR 18% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 17, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Equity Loan - Fixed	-	-	7.00%	1 to 10 years
Details As Low As; Max Amount Financed: up to 80% CLTV Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 17, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Equity Loan - Fixed	-	-	8.00%	11 to 20 years
Details As Low As; Max Amount Financed: up to 80% CLTV Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.75% → 8.00% ▼ 0.75 pts · high 8.75% / low 8.00% Sep 17, 20268.00%▼ from 8.75% Sep 14, 20268.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Equity Loan - Fixed	-	-	8.00%	1 to 10 years
Details As Low As; Max Amount Financed: over 80.01% up to 90.00% CLTV Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 8.00% ▲ 1.25 pts · high 8.00% / low 6.75% Sep 17, 20268.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Equity Loan - Fixed	-	-	9.00%	11 to 20 years
Details As Low As; Max Amount Financed: over 80.01% up to 90.00% CLTV Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75% Sep 17, 20269.00%▲ from 8.75% Sep 14, 20268.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%

Popa Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	3.99%	48 Months
Details As Low As; Max Amount Financed: up to 125%; Rates reflect Relationship Benefits discount of 0.50% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Used Auto	-	-	3.99%	48 Months
Details As Low As; Max Amount Financed: up to 125%; Rates reflect Relationship Benefits discount of 0.50% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
New Auto	-	-	4.49%	60 Months
Details As Low As; Max Amount Financed: up to 125%; Rates reflect Relationship Benefits discount of 0.50% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Used Auto	-	-	4.49%	60 Months
Details As Low As; Max Amount Financed: up to 125%; Rates reflect Relationship Benefits discount of 0.50% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
New Auto	-	-	4.99%	72 Months
Details As Low As; Max Amount Financed: up to 125%; Rates reflect Relationship Benefits discount of 0.50% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Used Auto	-	-	4.99%	72 Months
Details As Low As; Max Amount Financed: up to 125%; Rates reflect Relationship Benefits discount of 0.50% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
New Auto	-	-	5.49%	84 Months
Details As Low As; Max Amount Financed: up to 125%; Rates reflect Relationship Benefits discount of 0.50% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
New Auto	-	-	6.49%	96 Months
Details As Low As; Max Amount Financed: up to 125%; Extended term; not available for Experian FICO scores 649 and below; minimum loan $50,000; Rates reflect Relationship Benefits discount of 0.50% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%

Popa Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loan	-	6.74%	48 Months
Details As Low As; Max Amount Financed: up to 100%; Rates shown reflect a 0.50% Relationship Benefits discount for members with POPA FCU direct deposit (min $250/month) or automatic payment and eStatements, plus a POPA FCU credit card Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Boat Loan	-	6.99%	60 Months
Details As Low As; Max Amount Financed: up to 100%; Rates shown reflect a 0.50% Relationship Benefits discount for members with POPA FCU direct deposit (min $250/month) or automatic payment and eStatements, plus a POPA FCU credit card Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Boat Loan	-	7.49%	72 Months
Details As Low As; Max Amount Financed: up to 100%; Rates shown reflect a 0.50% Relationship Benefits discount for members with POPA FCU direct deposit (min $250/month) or automatic payment and eStatements, plus a POPA FCU credit card Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Boat Loan	-	7.99%	up to 180 Months
Details As Low As; Max Amount Financed: up to 100%; Rates shown reflect a 0.50% Relationship Benefits discount for members with POPA FCU direct deposit (min $250/month) or automatic payment and eStatements, plus a POPA FCU credit card Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
ATV & Watercraft Loan	-	9.74%	48 Months
Details As Low As; Max Amount Financed: up to 90%; Rate shown reflects Relationship Benefits discount of 0.50% for members with POPA FCU direct deposit (min $250/month) or automatic payment and eStatements, plus a POPA FCU credit card Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
ATV & Watercraft Loan	-	9.99%	60 Months
Details As Low As; Max Amount Financed: up to 90%; Rate shown reflects Relationship Benefits discount of 0.50% for members with POPA FCU direct deposit (min $250/month) or automatic payment and eStatements, plus a POPA FCU credit card Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
ATV & Watercraft Loan	-	10.49%	72 Months
Details As Low As; Max Amount Financed: up to 90%; Rate shown reflects Relationship Benefits discount of 0.50% for members with POPA FCU direct deposit (min $250/month) or automatic payment and eStatements, plus a POPA FCU credit card Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%

Popa Federal Credit Union Credit Card Rates

Product	Rate	APR
Cash Rewards VISA	-	11.75%
Details As Low As; Maximum Line of Credit: $500.00 - $30,000.00; Term: Revolving Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 11.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
VISA Credit Card	-	11.75%
Details Published APR range: 11.75%-18.00%. APR range for purchases, cash advances and balance transfers; rate may vary by creditworthiness Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
VISA Bulldogs	-	13.90%
Details As Low As; Maximum Line of Credit: $500.00 - $1,000.00; Term: Fixed Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 13.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%

Popa Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	12.49%	Up to 60 Months
Details As Low As; Loan Amount: Up to $15,000.00; Relationship Benefits discount of 0.50% applies; APR shown with ** footnote Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Special Debt Consolidation Loan	13.49%	Up to 60 Months
Details As Low As; Loan Amount: Up to $30,000.00; Relationship Benefits discount of 0.50% applies; APR shown with ** footnote Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Signature Loan	14.49%	Up to 84 Months
Details As Low As; Loan Amount: $15,000.01 to $30,000.00; Relationship Benefits discount of 0.50% applies; APR shown with ** footnote Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 14.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%

Popa Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Patrol & Gear Loan	-	-	4.99%	Up to 48 Months
Details As Low As; Loan Amount: Up to $5,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
SHIELD Loan	-	-	17.99%	6 to 24 Months
Details As Low As; Fixed rate; Loan Amount: Up to $3,500.00; Minimum loan $500; employment and direct deposit conditions apply for amounts over $2,500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
IRA Shares	0.499%	-	0.50%
Min Balance $5 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%

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

Popa Federal Credit Union’s Texas Ratio stayed near 3.70% in Q3 2023 to 3.71% 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.

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

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	$405M	3.71%	5.0	A+
March 31, 2026	$399M	1.15%	5.0	A+
December 31, 2025	$391M	1.68%	5.0	A+
September 30, 2025	$394M	2.02%	5.0	A+
June 30, 2025	$389M	1.85%	5.0	A+
March 31, 2025	$383M	1.73%	5.0	A+
December 31, 2024	$365M	2.75%	5.0	A+
September 30, 2024	$378M	2.57%	5.0	A+
June 30, 2024	$386M	3.46%	5.0	A+
March 31, 2024	$385M	1.79%	5.0	A+
December 31, 2023	$378M	1.85%	5.0	A+
September 30, 2023	$367M	3.70%	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 Popa 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 Popa 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 Popa Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Popa Federal Credit Union

Website https://www.popafcu.org

Address 13304 Alondra Blvd, Cerritos, CA 90703

Phone 562-229-9181

Fax 562-207-4402

President Terry Black

CEO Raymond Bartus

Full-Time Employees 62

Part-Time Employees 0

Branch Locations 4

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.71%

Return on Assets (ROA)

0.5870%

Return on Equity (ROE)

4.9507%

Non-Performing Loans Ratio (NPL)

0.79%

Total Assets

404,544,635

Total Amount of Shares and Deposits

358,238,783

Total Shares and Deposits < 1 Year

351,009,224

Total Shares and Deposits 1 3 Years

7,229,559

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

21,787,841

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

21,787,841

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

336,450,942

Total Interest Expense (Sum of items 6 8)

2,033,773

Share Certificates

1,741

Number of Accounts for Share Drafts

13,807

IRA KEOGH Accounts

339

Number of Accounts for Regular Shares

23,095

All other shares

Money Market Shares

830

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)

55,480,457

Total Liabilities

363,575,735

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Popa 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.

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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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Total Reviews

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Frequently Asked Questions About Popa Federal Credit Union

How many branches does Popa Federal Credit Union operate?

Popa 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 Popa Federal Credit Union?

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

Does Popa Federal Credit Union offer online and mobile banking?

Most modern institutions like Popa 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.popafcu.org.

Current Popa Federal Credit Union Rates

12-Month CD3.50%
18-Month CD3.85%
24-Month CD3.85%
Savings0.95%

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

Compare to Other Credit Unions

Popa Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Popa Federal Credit Union Texas Ratio

Popa Federal Credit Union Health Trend

Popa Federal Credit Union CD Rates

Popa Federal Credit Union Savings Rates

Popa Federal Credit Union Money Market Rates

Popa Federal Credit Union Mortgage Rates

Popa Federal Credit Union Home Equity & HELOC

Popa Federal Credit Union Auto Loan Rates

Popa Federal Credit Union RV, Boat and Powersport Loan Rates

Popa Federal Credit Union Credit Card Rates

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Popa Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Popa Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Popa Federal Credit Union

How many branches does Popa Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Popa Federal Credit Union offer online and mobile banking?

Current Popa Federal Credit Union Rates

Compare to Other Credit Unions