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 Rancho Federal Credit Union Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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: August 28, 2026
Rancho Federal Credit Union's 24 Month Cert. rates are at 2.80%, 12 Month Cert. rates are at 2.76%, 36 Month Cert. rates are at 2.50%, 6 Month Cert. rates are at 2.00%, 3 Month Cert. rates are at 1.78%. Rancho Federal Credit Union's savings rates are at 0.10%. Rancho Federal Credit Union's money market rates are at 0.32%. Rancho Federal Credit Union's Personal Loan Rates are at 10.99%. MonitorBankRates evaluates the financial stability of Rancho Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.80%. Rates last updated and verified on 08/28/2026. Rancho 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 Rancho Federal Credit Union? Share your experience about Rancho Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Rancho Federal Credit Union. Rancho Federal Credit Union
Downey 12620 Erickson Ave Ste H
https://www.ranchofcu.org Downey, CA 90242 4019 
Rancho Federal Credit Union CD Rates
Rancho Federal Credit Union Savings Rates
Rancho Federal Credit Union Money Market Rates
Rancho Federal Credit Union Checking Rates
Rancho Federal Credit Union Home Equity & HELOC
Rancho Federal Credit Union Auto Loan Rates
Rancho Federal Credit Union Credit Card Rates
Rancho Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Rancho 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 Rancho 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 Rancho Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Rancho Federal Credit Union
Website
https://www.ranchofcu.org
Address
12620 Erickson Ave Ste H,
Downey, CA 90242 4019
Phone
562-803-6401
Fax
562-803-8798
President
Jason Lockhart
CEO
Beatrice Scott
Full-Time Employees
21
Part-Time Employees
0
Branch Locations
3
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.80%
Return on Assets (ROA)
0.3201%
Return on Equity (ROE)
3.8002%
Non-Performing Loans Ratio (NPL)
0.27%
Total Assets
109,104,136
Total Amount of Shares and Deposits
99,937,755
Total Shares and Deposits < 1 Year
96,857,719
Total Shares and Deposits 1 3 Years
3,080,037
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,066,332
Total Uninsured Shares and Deposits > $250K (F+J)
7,066,332
Total Insured Shares and Deposits > $250K (item 17 less item K)
92,871,423
Total Interest Expense (Sum of items 6 8)
275,783
Share Certificates
311
Number of Accounts for Share Drafts
3,793
IRA KEOGH Accounts
157
Number of Accounts for Regular Shares
8,676
Money Market Shares
201
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)
8,005,657
Total Liabilities
100,130,096
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for Rancho Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Rancho Federal Credit Union
Frequently Asked Questions About Rancho Federal Credit UnionHow many branches does Rancho Federal Credit Union operate?Rancho 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 Rancho Federal Credit Union?Yes, to access services at Rancho 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, Rancho 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, Rancho Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Rancho Federal Credit Union offer online and mobile banking?Most modern institutions like Rancho 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.ranchofcu.org. Current Rancho Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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