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Sacramento Credit Union Rates & Review October 2026

Q: What are the current interest rates at Sacramento Credit Union?

Current rates for Sacramento Credit Union include: 12-Month CD: 3.20%, 18-Month CD: 3.20%, 24-Month CD: 3.25%, 60-Month CD: 3.55%, Savings: 0.15%, MMA: 3.51%

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 26, 2026

Sacramento Credit Union's CD Specials - 9-Month rates are at 4.25%, CD Specials - 15-Month rates are at 4.20%, 60 Month CD rates are at 3.55%, 48 Month CD rates are at 3.45%, 36 Month CD rates are at 3.40%. Sacramento Credit Union's savings rates are at 0.15%. Sacramento Credit Union's money market rates are at 3.51%. Sacramento Credit Union's checking rates are as high as 4.50%. Sacramento Credit Union's Adjustable Rate Purchase - 5/1 ARM rates are at 5.88%, Fixed Rate Mortgages - 15-Year Fixed rates are at 5.75%, Adjustable Rate Refinance - 5/1 ARM rates are at 6.12%, TPMG Guaranteed Senior Purchase - 10 Year Fixed rates are at 6.69%, Fixed Rate Refinance - 15 Year Fixed rates are at 6.38%. Sacramento Credit Union's Personal Loan Rates are as low as 8.99%. Sacramento Credit Union's Credit Card Rates are at 11.75%. MonitorBankRates evaluates the financial stability of Sacramento Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.33%. Rates last updated and verified on 10/26/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.33%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Sacramento Credit Union
H Street Corporate

800 H St
Sacramento, CA 95814-2607

https://www.sactocu.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.

Sacramento Credit Union CD Rates

Product	Rate	APY	Term
Certificate Specials - 9-Month	4.16%	4.25%	9 months
Min Balance $1,000 Details APY=Annual Percentage Yield; $1,000 minimum for Share Certificates; 9-month certificate automatically renews to a 6-month term upon maturity; penalty may apply for withdrawals before maturity Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Certificate Specials - 15-Month	4.12%	4.20%	15 months
Min Balance $1,000 Details APY=Annual Percentage Yield; $1,000 minimum for Share Certificates; 15-month certificate automatically renews to a 12-month term upon maturity; penalty may apply for withdrawals before maturity Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
60 Month Certificate	3.49%	3.55%	60 months
Min Balance $1,000 Details Minimum balance tier: $1,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
60 Month Certificate	3.49%	3.55%	60 months
Min Balance $20,000 Details Minimum balance tier: $20,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
60 Month Certificate	3.49%	3.55%	60 months
Min Balance $50,000 Details Minimum balance tier: $50,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
60 Month Certificate	3.49%	3.55%	60 months
Min Balance $100,000 Details Minimum balance tier: $100,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
48 Month Certificate	3.40%	3.45%	48 months
Min Balance $100,000 Details Minimum balance tier: $100,000 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
36 Month Certificate	3.35%	3.40%	36 months
Min Balance $100,000 Details Minimum balance tier: $100,000 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
48 Month Certificate	3.35%	3.40%	48 months
Min Balance $1,000 Details Minimum balance tier: $1,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
48 Month Certificate	3.35%	3.40%	48 months
Min Balance $20,000 Details Minimum balance tier: $20,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
48 Month Certificate	3.35%	3.40%	48 months
Min Balance $50,000 Details Minimum balance tier: $50,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
36 Month Certificate	3.30%	3.35%	36 months
Min Balance $1,000 Details Minimum balance tier: $1,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
36 Month Certificate	3.30%	3.35%	36 months
Min Balance $20,000 Details Minimum balance tier: $20,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
36 Month Certificate	3.30%	3.35%	36 months
Min Balance $50,000 Details Minimum balance tier: $50,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
24 Month Certificate	3.25%	3.30%	24 months
Min Balance $100,000 Details Minimum balance tier: $100,000 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
30 Month Certificate	3.25%	3.30%	30 months
Min Balance $100,000 Details Minimum balance tier: $100,000 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
12 Month Certificate	3.20%	3.25%	12 months
Min Balance $100,000 Details Minimum balance tier: $100,000 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
18 Month Certificate	3.20%	3.25%	18 months
Min Balance $100,000 Details Minimum balance tier: $100,000 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
24 Month Certificate	3.20%	3.25%	24 months
Min Balance $1,000 Details Minimum balance tier: $1,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
24 Month Certificate	3.20%	3.25%	24 months
Min Balance $20,000 Details Minimum balance tier: $20,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
24 Month Certificate	3.20%	3.25%	24 months
Min Balance $50,000 Details Minimum balance tier: $50,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
30 Month Certificate	3.20%	3.25%	30 months
Min Balance $1,000 Details Minimum balance tier: $1,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
30 Month Certificate	3.20%	3.25%	30 months
Min Balance $20,000 Details Minimum balance tier: $20,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
30 Month Certificate	3.20%	3.25%	30 months
Min Balance $50,000 Details Minimum balance tier: $50,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
12 Month Certificate	3.15%	3.20%	12 months
Min Balance $1,000 Details Minimum balance tier: $1,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
12 Month Certificate	3.15%	3.20%	12 months
Min Balance $20,000 Details Minimum balance tier: $20,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
12 Month Certificate	3.15%	3.20%	12 months
Min Balance $50,000 Details Minimum balance tier: $50,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
18 Month Certificate	3.15%	3.20%	18 months
Min Balance $1,000 Details Minimum balance tier: $1,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
18 Month Certificate	3.15%	3.20%	18 months
Min Balance $20,000 Details Minimum balance tier: $20,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
18 Month Certificate	3.15%	3.20%	18 months
Min Balance $50,000 Details Minimum balance tier: $50,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
6 Month Certificate	3.01%	3.05%	6 months
Min Balance $100,000 Details Minimum balance tier: $100,000 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
6 Month Certificate	3.00%	3.04%	6 months
Min Balance $1,000 Details Minimum balance tier: $1,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.04% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
6 Month Certificate	3.00%	3.04%	6 months
Min Balance $20,000 Details Minimum balance tier: $20,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.04% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
6 Month Certificate	3.00%	3.04%	6 months
Min Balance $50,000 Details Minimum balance tier: $50,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.04% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
3 Month Certificate	2.96%	3.00%	3 months
Min Balance $1,000 Details Minimum balance tier: $1,000; IRA not eligible Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
3 Month Certificate	2.96%	3.00%	3 months
Min Balance $20,000 Details Minimum balance tier: $20,000; IRA not eligible Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
3 Month Certificate	2.96%	3.00%	3 months
Min Balance $50,000 Details Minimum balance tier: $50,000; IRA not eligible Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
3 Month Certificate	2.96%	3.00%	3 months
Min Balance $100,000 Details Minimum balance tier: $100,000; IRA not eligible Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

Sacramento Credit Union Savings Rates

Product	Rate	APY
IRA Share Accounts (All Types)	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/26/2026 Rate History No change since Sep 22, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Savings Accounts (All Types)	0.15%	0.15%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 and over; Savings Account requires $25 to open Last Updated 10/26/2026 Rate History No change since Sep 22, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
IRA Share Accounts (All Types)	0.08%	0.08%
Min Balance $10,000 Details Balance: $10,000 - $99,999 Last Updated 10/26/2026 Rate History No change since Sep 22, 2026 · 0.08% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Savings Accounts (All Types)	0.08%	0.08%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $99,999; Savings Account requires $25 to open Last Updated 10/26/2026 Rate History No change since Sep 22, 2026 · 0.08% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
IRA Share Accounts (All Types)	0.05%	0.05%
Min Balance $300 Details Balance: $300 - $999 Last Updated 10/26/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
IRA Share Accounts (All Types)	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 10/26/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
IRA Share Accounts (All Types)	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/26/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Savings Accounts (All Types)	0.05%	0.05%
Min Deposit $25 Min Balance $300 Details Balance: $300 - $999; Savings Account requires $25 to open Last Updated 10/26/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Savings Accounts (All Types)	0.05%	0.05%
Min Deposit $25 Min Balance $1,000 Details Balance: $1,000 - $4,999; Savings Account requires $25 to open Last Updated 10/26/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Savings Accounts (All Types)	0.05%	0.05%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000 - $9,999; Savings Account requires $25 to open Last Updated 10/26/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

Sacramento Credit Union Business Savings Rates

Product	Rate	APY
Business Savings	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Savings	0.08%	0.08%
Min Balance $10,000 Details Balance: $10,000 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Savings	0.05%	0.05%
Min Balance $300 Details Balance: $300 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Savings	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Savings	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000 Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

Sacramento Credit Union Money Market Rates

Product	Rate	APY
Money Market	3.45%	3.51%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 and over; Money Market requires $2,500 to open Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Premium Money Market	3.45%	3.51%
Min Deposit $50,000 Min Balance $500,000 Details Balance: $500,000 and over; Premium Money Market requires $50,000 to open Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Money Market	2.47%	2.50%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 - $499,999; Money Market requires $2,500 to open Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 2.27% → 2.50% ▲ 0.23 pts · high 2.50% / low 2.27% Oct 9, 20262.50%▲ from 2.27% Sep 14, 20262.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Premium Money Market	2.47%	2.50%
Min Deposit $50,000 Min Balance $250,000 Details Balance: $250,000 - $499,999; Premium Money Market requires $50,000 to open Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 2.27% → 2.50% ▲ 0.23 pts · high 2.50% / low 2.27% Oct 9, 20262.50%▲ from 2.27% Sep 14, 20262.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Money Market	2.00%	2.02%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999; Money Market requires $2,500 to open Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Premium Money Market	2.00%	2.02%
Min Deposit $50,000 Min Balance $100,000 Details Balance: $100,000 - $249,999; Premium Money Market requires $50,000 to open Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Money Market	1.75%	1.76%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999; Money Market requires $2,500 to open Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Premium Money Market	1.75%	1.76%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999; Premium Money Market requires $50,000 to open Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Money Market	1.00%	1.00%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999; Money Market requires $2,500 to open Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 0.90% → 1.00% ▲ 0.10 pts · high 1.00% / low 0.90% Oct 9, 20261.00%▲ from 0.90% Sep 14, 20260.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Money Market	1.00%	1.00%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999; Money Market requires $2,500 to open Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Money Market	0.15%	0.15%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999; Money Market requires $2,500 to open Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

Sacramento Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	3.20%	3.25%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 and over; Requires $2,500 to open Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Money Market	2.72%	2.75%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 - $499,999; Requires $2,500 to open Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Money Market	2.47%	2.50%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Requires $2,500 to open Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Money Market	2.47%	2.50%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249.999.99; Requires $2,500 to open Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Money Market	1.00%	1.00%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $49,999.99; Requires $2,500 to open Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75% Oct 9, 20261.00%▲ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Money Market	0.25%	0.25%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500- $9,999.99; Requires $2,500 to open Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 0.15% → 0.25% ▲ 0.10 pts · high 0.25% / low 0.15% Oct 9, 20260.25%▲ from 0.15% Sep 14, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

Sacramento Credit Union Checking Rates

Product	Rate	APY	View More
FREE REWARDS CHECKING	4.41%	4.50%
Min Balance $0 Details Qualifications Required; Balance: $0 - $25,000; Qualifying balance up to $25,000.00 Last Updated 10/26/2026 Rate History No change since Sep 22, 2026 · 4.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

Sacramento Credit Union Business Checking Rates

Product	Rate	APY
Business Interest Checking	0.01%	0.01%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000 - $9,999.99; Requires $100 to open Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Interest Checking	0.01%	0.01%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Requires $100 to open Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Interest Checking	0.01%	0.01%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 - $99,999; Requires $100 to open Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Interest Checking	0.00%	0.00%
Min Deposit $100 Min Balance $1 Details Balance: $1.00 - $4,999.99; Requires $100 to open Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

Sacramento Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable Rate Purchase - 5/1 ARM	5.875%	0.0	5.968%
No additional details. Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 5.97% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Fixed Rate Mortgages - 15-Year Fixed	5.75%	1.00	6.065%	15 years
Details Mortgage Purchase Rates; Rate option with 1.00 points Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 6.07% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Fixed Rate Mortgages - 15-Year Fixed	5.875%	0.50	6.111%	15 years
Details Mortgage Purchase Rates; Rate option with 0.50 points Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 6.11% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Adjustable Rate Refinance - 5/1 ARM	6.125%	0.0	6.22%
No additional details. Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 6.22% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
TPMG Guaranteed Senior Purchase - 10 Year Fixed	-	-	6.69%	10 Year
Details TPMG Guaranteed Loan; Senior Purchase; TPMG Loan Guarantee applies to first $40,000 financed; Rates effective as of October 25, 2026 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 6.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Fixed Rate Refinance - 15 Year Fixed	6.375%	1.00	6.695%	15 years
No additional details. Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 6.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Fixed Rate Refinance - 15 Year Fixed	6.50%	0.50	6.74%	15 years
No additional details. Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Fixed Rate Mortgages - 20-Year Fixed	6.50%	1.00	6.757%	20 years
Details Mortgage Purchase Rates; Rate option with 1.00 points Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 6.76% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Fixed Rate Refinance - 15 Year Fixed	6.625%	0.00	6.785%	15 years
No additional details. Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 6.79% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Fixed Rate Mortgages - 20-Year Fixed	6.625%	0.50	6.818%	20 years
Details Mortgage Purchase Rates; Rate option with 0.50 points Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 6.82% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Fixed Rate Mortgages - 30-Year Fixed	6.625%	1.00	6.822%	30 years
Details Mortgage Purchase Rates; Rate option with 1.00 points Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 6.82% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Fixed Rate Refinance - 20 Year Fixed	6.625%	1.00	6.883%	20 years
No additional details. Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 6.88% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Fixed Rate Mortgages - 30-Year Fixed	6.75%	0.50	6.898%	30 years
Details Mortgage Purchase Rates; Rate option with 0.50 points Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 6.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Fixed Rate Refinance - 20 Year Fixed	6.75%	0.50	6.944%	20 years
No additional details. Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 6.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Fixed Rate Refinance - 20 Year Fixed	6.875%	0.00	7.005%	20 years
No additional details. Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 7.01% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Fixed Rate Refinance - 30 Year Fixed	7.00%	1.00	7.201%	30 years
No additional details. Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 7.20% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Fixed Rate Refinance - 30 Year Fixed	7.125%	0.50	7.277%	30 years
No additional details. Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 7.28% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Fixed Rate Refinance - 30 Year Fixed	7.25%	0.00	7.351%	30 years
No additional details. Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 7.35% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

Sacramento Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - Owner Occupied	6.99%	-	6.99%	48-240 months
Details Published rate range: 6.99%-10.69%. As Low As; APR As Low As 6.99%; CLTV must be 80% or less for owner-occupied properties; borrower fee reimbursement up to $750 if paid off or closed within first 36 months Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Home Equity Loan - Non-Owner Occupied	8.99%	-	8.99%	48-240 months
Details Published rate range: 8.99%-12.69%. As Low As; APR As Low As 8.99%; CLTV must be 70% or less for non-owner-occupied properties; borrower fee reimbursement up to $750 if paid off or closed within first 36 months Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Home Equity Line of Credit - Non-Owner Occupied	-	-	9.75%	Total Term: 25 years
Details As Low As; Non-Owner Occupied; Amount: $10,000 and up; Draw period for advances: 10 years; Repayment period: 15 years Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 9.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

Sacramento Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.99%	48 months
Details As Low As; New Auto Purchase or Refinance Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
New Auto Loan	-	-	5.24%	60 months
Details As Low As; New Auto Purchase or Refinance Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
New Auto Loan	-	-	5.39%	72 months
Details As Low As; New Auto Purchase or Refinance Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 5.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Used Auto Loan	-	-	5.49%	48 months
Details As Low As; Used Auto Purchase or Refinance Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Used Auto Loan	-	-	5.59%	60 months
Details As Low As; Used Auto Purchase or Refinance Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 5.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Used Auto Loan	-	-	5.69%	72 months
Details As Low As; Used Auto Purchase or Refinance Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 5.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
New Auto Loan	-	-	5.74%	84 months
Details As Low As; New Auto Purchase or Refinance Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Used Auto Loan	-	-	6.19%	84 months
Details As Low As; Used Auto Purchase or Refinance Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 6.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Used Auto 2016 and Older Loan	-	-	9.49%	48 months
Details As Low As; Used Auto 2016 and Older Last Updated 10/26/2026 Rate History 2 changes since Sep 14, 2026 · 9.19% → 9.49% ▲ 0.30 pts · high 9.49% / low 9.19% Oct 26, 20269.49%▲ from 9.39% Oct 9, 20269.39%▲ from 9.19% Sep 14, 20269.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

Sacramento Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RVs & Boats - New Loan	-	6.79%	144 months
Details As Low As; Amount Up To: $100K; Boat and RV loan amount term guidelines: 144 months: $45,000 and up Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 6.79% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
RVs & Boats - Used Loan	-	6.79%	144 months
Details As Low As; Amount Up To: $100K; Boat and RV loan amount term guidelines: 144 months: $45,000 and up Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 6.79% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Motorcycles - New Loan	-	7.19%	72 months
Details As Low As; Amount Up To: $35K; Motorcycle loan amount term guidelines: 72 months: $15,000 and up Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 7.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Motorcycles - Used Loan	-	7.24%	60 months
Details As Low As; Amount Up To: $25K; Motorcycle loan amount term guidelines: 60 months: $10,000 and up Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

Sacramento Credit Union Credit Card Rates

Product	Rate	APR
VISA PLATINUM CREDIT CARD	-	11.75%
Details As Low As; APR based on creditworthiness and varies with the U.S. Prime Rate Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 11.50% → 11.75% ▲ 0.25 pts · high 11.75% / low 11.50% Sep 18, 202611.75%▲ from 11.50% Sep 14, 202611.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
VISA PLATINUM REWARDS PLUS CREDIT CARD	-	13.65%
Details As Low As; APR based on creditworthiness and varies with the U.S. Prime Rate Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 13.40% → 13.65% ▲ 0.25 pts · high 13.65% / low 13.40% Sep 18, 202613.65%▲ from 13.40% Sep 14, 202613.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
VISA SECURED CREDIT CARD	-	17.50%
Details As Low As; APR based on creditworthiness and varies with the U.S. Prime Rate Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 17.25% → 17.50% ▲ 0.25 pts · high 17.50% / low 17.25% Sep 18, 202617.50%▲ from 17.25% Sep 14, 202617.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

Sacramento Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	8.99%	Up to 60 months
Details As Low As; Loan Amount: Up to $25,000; APR=Annual Percentage Rate Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Personal Line of Credit	11.65%
Details As Low As; Variable Rate; Amount: Up to $25,000 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 11.65% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

Sacramento Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Senior Purchase Loan	-	-	5.69%	2 Year Fixed
Details Senior Purchase Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 5.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Senior Purchase Loan	-	-	5.69%	5 Year Fixed
Details Senior Purchase Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 5.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Senior Purchase Loan	-	-	6.69%	10 Year Fixed
Details Senior Purchase Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 6.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
TPMG Guaranteed Senior Purchase - 2 Year Fixed	-	-	5.69%	2 Year
Details TPMG Guaranteed Loan; Senior Purchase; TPMG Loan Guarantee applies to first $40,000 financed; Rates effective as of October 25, 2026 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 5.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
TPMG Guaranteed Senior Purchase - 5 Year Fixed	-	-	5.69%	5 Year
Details TPMG Guaranteed Loan; Senior Purchase; TPMG Loan Guarantee applies to first $40,000 financed; Rates effective as of October 25, 2026 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 5.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
TPMG Non-Guaranteed Loan	-	-	8.99%	Up to 84 months
Details As Low As; Amount: Up to $75,000 Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Sacramento Credit Union’s Texas Ratio stayed near 0.31% in Q3 2023 to 0.33% 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	$858M	0.33%	5.0	A+
March 31, 2026	$852M	0.34%	5.0	A+
December 31, 2025	$838M	0.20%	5.0	A+
September 30, 2025	$817M	0.16%	5.0	A+
June 30, 2025	$796M	0.14%	5.0	A+
March 31, 2025	$788M	0.26%	5.0	A+
December 31, 2024	$760M	0.56%	5.0	A+
September 30, 2024	$835M	0.26%	5.0	A+
June 30, 2024	$826M	0.23%	5.0	A+
March 31, 2024	$829M	0.23%	5.0	A+
December 31, 2023	$806M	0.40%	5.0	A+
September 30, 2023	$713M	0.31%	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 Sacramento 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 Sacramento 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 Sacramento Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sacramento Credit Union

Website https://www.sactocu.org

Address 800 H St, Sacramento, CA 95814-2607

Phone 888-722-8601

Fax

President Les Brown

CEO Bhavnesh Makin

Full-Time Employees 103

Part-Time Employees 4

Branch Locations 7

ATM Locations 7

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.33%

Return on Assets (ROA)

0.8471%

Return on Equity (ROE)

5.5928%

Non-Performing Loans Ratio (NPL)

0.09%

Total Assets

858,275,447

Total Amount of Shares and Deposits

722,435,571

Total Shares and Deposits < 1 Year

705,544,813

Total Shares and Deposits 1 3 Years

9,459,212

Total Shares and Deposits > 3 Years

7,431,546

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

86,536,195

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

86,536,195

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

635,899,376

Total Interest Expense (Sum of items 6 8)

5,599,061

Share Certificates

3,363

Number of Accounts for Share Drafts

20,915

IRA KEOGH Accounts

733

Number of Accounts for Regular Shares

36,496

Money Market Shares

1,872

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)

49,565,213

Total Liabilities

730,275,960

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Sacramento Credit Union earned the Verified Healthy badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Sacramento Credit Union

Does Sacramento Credit Union offer CDs?

Yes. Sacramento Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 26, 2026 include 4.25% APY on its CD Specials - 9-Month, 4.20% APY on its CD Specials - 15-Month and 3.55% APY on its 60 Month CD.

Are CDs from Sacramento Credit Union NCUA insured?

Yes. Sacramento Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Sacramento Credit Union?

The highest CD rate MonitorBankRates has verified for Sacramento Credit Union is 4.25% APY on its CD Specials - 9-Month, as of October 26, 2026.

What CD terms does Sacramento Credit Union offer?

The Sacramento Credit Union CD terms MonitorBankRates tracks include 9 month, 12 month, 15 month, 18 month, 2 year, 3 year, 4 year and 5 year terms, with rates from 3.40% to 4.25% APY. The institution may offer other terms or specials that are not listed here, so check with Sacramento Credit Union for its full lineup.

What is the highest savings rate at Sacramento Credit Union?

The highest savings rate MonitorBankRates has verified for Sacramento Credit Union is 0.15% APY on its Business Savings, as of October 26, 2026.

What is the highest money market rate at Sacramento Credit Union?

The highest money market rate MonitorBankRates has verified for Sacramento Credit Union is 3.51% APY on its Money Market, as of October 26, 2026.

What is the highest checking rate at Sacramento Credit Union?

The highest checking rate MonitorBankRates has verified for Sacramento Credit Union is 4.50% APY on its FREE REWARDS CHECKING, as of October 26, 2026.

What is the lowest 30 year fixed mortgage rate at Sacramento Credit Union?

The lowest 30 year fixed mortgage rate MonitorBankRates has verified for Sacramento Credit Union is 6.625% rate on its Fixed Rate Mortgages - 30-Year Fixed, as of October 26, 2026.

What is the lowest auto loan rate at Sacramento Credit Union?

The lowest auto loan rate MonitorBankRates has verified for Sacramento Credit Union is 4.99% APR on its New Auto Loan, as of October 26, 2026.

What is the lowest personal loan rate at Sacramento Credit Union?

The lowest personal loan rate MonitorBankRates has verified for Sacramento Credit Union is 8.99% APR on its Personal Loan, as of October 26, 2026.

What is the lowest credit card APR at Sacramento Credit Union?

The lowest credit card rate MonitorBankRates has verified for Sacramento Credit Union is 11.75% APR on its VISA PLATINUM CREDIT CARD, as of October 26, 2026.

How many branches does Sacramento Credit Union operate?

Sacramento 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 Sacramento Credit Union?

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

Does Sacramento Credit Union offer online and mobile banking?

Most modern institutions like Sacramento 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.sactocu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Sacramento Credit Union rates compare?

Sacramento Credit Union's top rates are 4.25% APY on its CD Specials - 9-Month, 0.15% APY on its Business Savings, 3.51% APY on its Money Market, 4.50% APY on its FREE REWARDS CHECKING, 5.75% on its Fixed Rate Mortgages - 15-Year Fixed, 8.99% APR on its Personal Loan and 11.75% APR on its VISA PLATINUM CREDIT CARD, verified by MonitorBankRates on October 26, 2026.

Current Sacramento Credit Union Rates

12-Month CD3.20%
18-Month CD3.20%
24-Month CD3.25%
60-Month CD3.55%
Savings0.15%
MMA3.51%

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

Compare to Other Credit Unions

Sacramento Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Sacramento Credit Union Texas Ratio

Sacramento Credit Union Health Trend

Sacramento Credit Union CD Rates

Sacramento Credit Union Savings Rates

Sacramento Credit Union Business Savings Rates

Sacramento Credit Union Money Market Rates

Sacramento Credit Union Business Money Market Rates

Sacramento Credit Union Checking Rates

Sacramento Credit Union Business Checking Rates

Sacramento Credit Union Mortgage Rates

Sacramento Credit Union Home Equity & HELOC

Sacramento Credit Union Auto Loan Rates

Sacramento Credit Union RV, Boat and Powersport Loan Rates

Sacramento Credit Union Credit Card Rates

Sacramento Credit Union Personal Loan Rates

Sacramento Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Sacramento Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Sacramento Credit Union

Does Sacramento Credit Union offer CDs?

Are CDs from Sacramento Credit Union NCUA insured?

What is the highest CD rate at Sacramento Credit Union?

What CD terms does Sacramento Credit Union offer?

What is the highest savings rate at Sacramento Credit Union?

What is the highest money market rate at Sacramento Credit Union?

What is the highest checking rate at Sacramento Credit Union?

What is the lowest 30 year fixed mortgage rate at Sacramento Credit Union?

What is the lowest auto loan rate at Sacramento Credit Union?

What is the lowest personal loan rate at Sacramento Credit Union?

What is the lowest credit card APR at Sacramento Credit Union?

How many branches does Sacramento Credit Union operate?

Is a member application needed to join Sacramento Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Sacramento Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Sacramento Credit Union rates compare?

Current Sacramento Credit Union Rates

Compare to Other Credit Unions