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San Joaquin Power Employees Credit Union

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San Joaquin Power Employees Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, San Joaquin Power Employees 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

San Joaquin Power Employees Credit Union's top rates as of October 13, 2026 are 5.79% on its First Mortgage Owner Occupied - 15 Year, and personal loans from 6.95% APR, according to rates verified by MonitorBankRates. Other San Joaquin Power Employees Credit Union mortgage rates include First Mortgage Owner Occupied - 30 Year at 6.29%, First Mortgage Non-Owner Occupied - 15 Year at 6.79%, and First Mortgage Non-Owner Occupied - 30 Year at 7.29%. MonitorBankRates evaluates the financial stability of San Joaquin Power Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.17%. Rates last updated and verified on 10/13/2026.

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

Ranked #48 Healthiest Q2 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

0.17%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

San Joaquin Power Employees Credit Union
SAN JOAQUIN POWER EMPLOYEES CREDIT UNION

1080 W SHAW AVE STE 109
FRESNO, CA 93711

https://www.sjpecu.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.

San Joaquin Power Employees Credit Union Savings Rates

Product	Rate	APY	View More
Regular Share Account	4.00%	4.00%
Min Deposit $5 Min Balance $5 Details Last declared dividend rate as of last dividend declaration date; dividends compounded and credited annually; minimum average daily balance of $5.00 to obtain disclosed APY 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: 0.17%

San Joaquin Power Employees Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgage Owner Occupied - 15 Year	5.79%	-	5.79%	15 Year
Details Max. Loaned: $832,750; Max. CLTV: 75%; Maximum loan amount is $832,750 for most counties Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.79% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
First Mortgage Owner Occupied - 30 Year	6.29%	-	6.29%	30 Year
Details Max. Loaned: $832,750; Max. CLTV: 75%; Maximum loan amount is $832,750 for most counties Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
First Mortgage Non-Owner Occupied - 15 Year	-	-	6.79%	15 Year
Details Max. Loaned: $832,750; Max. CLTV: 65%; Maximum loan amount is $832,750 for most counties Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
First Mortgage Non-Owner Occupied - 30 Year	-	-	7.29%	30 Year
Details Max. Loaned: $832,750; Max. CLTV: 65%; Maximum loan amount is $832,750 for most counties Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%

San Joaquin Power Employees Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Solar Home Equity Loan-Owner Occupied	-	-	7.04%	10 Years
Details Max. Loaned: $100,000; Max. CLTV: 80% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 7.04% ▲ 0.54 pts · high 7.04% / low 6.50% Oct 2, 20267.04%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Home Equity Loan-Owner Occupied	-	-	7.29%	10 Year
Details Max. Loaned: $200,000; Max. CLTV: 75% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.29% ▲ 0.54 pts · high 7.29% / low 6.75% Oct 2, 20267.29%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Solar Home Equity Loan-Owner Occupied	-	-	7.54%	20 Year
Details Max. Loaned: $100,000; Max. CLTV: 80% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.54% ▲ 0.54 pts · high 7.54% / low 7.00% Oct 2, 20267.54%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Home Equity Loan-Owner Occupied	-	-	7.79%	20 Year
Details Max. Loaned: $200,000; Max. CLTV: 75% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.79% ▲ 0.54 pts · high 7.79% / low 7.25% Oct 2, 20267.79%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Home Equity Loan Non-Owner Occupied	-	-	9.29%	10 Year
Details Max. Loaned: $200,000; Max. CLTV: 65% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.75% → 9.29% ▲ 0.54 pts · high 9.29% / low 8.75% Oct 2, 20269.29%▲ from 8.75% Sep 14, 20268.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Home Equity Loan Non-Owner Occupied	-	-	10.29%	20 Year
Details Max. Loaned: $200,000; Max. CLTV: 65% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.75% → 10.29% ▲ 0.54 pts · high 10.29% / low 9.75% Oct 2, 202610.29%▲ from 9.75% Sep 14, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Home Equity Unimproved Property Loan - 10 Year	-	-	10.29%	10 Year
Details Max. Loaned: $100,000; Max. CLTV: 60% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Home Equity Unimproved Property Loan - 20 Year	-	-	11.29%	20 Year
Details Max. Loaned: $100,000; Max. CLTV: 60% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%

San Joaquin Power Employees Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Automobile New and Used	-	-	4.75%	60 Month
Details Amount: $3,000 to $125,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Automobile New and Used	-	-	4.95%	72 Month
Details Amount: $10,000 to $125,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Automobile New and Used	-	-	5.95%	84 Month
Details Amount: $20,000 to $125,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%

San Joaquin Power Employees Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RV Motorcycle and Boat New and Used Loan	-	5.95%	60 Month
Details Amount: $3,000 to $125,000 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
RV Motorcycle and Boat New and Used Loan	-	5.95%	72 Month
Details Amount: $10,000 to $125,000 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
RV Motorcycle and Boat New and Used Loan	-	6.95%	84 Month
Details Amount: $20,000 to $125,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.95% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
RV Motorcycle and Boat New and Used Loan	-	7.45%	120 Month
Details Amount: $35,000 to $125,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.45% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
RV Motorcycle and Boat New and Used Loan	-	7.95%	144 Month
Details Amount: $50,000 to $125,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.95% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%

San Joaquin Power Employees Credit Union Personal Loan Rates

Product	APR	Term
Signature Loans	6.95%	24 Month
Details Amount: $3,000 to $30,000; Signature Loan - $30,000 maximum Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Signature Loans	6.95%	36 Month
Details Amount: $3,000 to $30,000; Signature Loan - $30,000 maximum Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Signature Loans	9.50%	60 Month
Details Amount: $3,000 to $30,000; Signature Loan - $30,000 maximum Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Signature Loans	10.50%	84 Month
Details Amount: $3,000 to $30,000; Signature Loan - $30,000 maximum Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%

San Joaquin Power Employees Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Energy Efficiency Loan	-	-	7.90%	120 Month
Details Amount: $3,000 to $30,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
One-Pay Loan	-	-	16.25%	30 TO 180 Day
Details Amount: $3,000 to $30,000; minimum charge of one (1) month interest on payoff; can be extended only twice Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 16.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%

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

San Joaquin Power Employees Credit Union’s Texas Ratio stayed near 0.36% in Q3 2023 to 0.17% 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	$175M	0.17%	5.0	A+
March 31, 2026	$173M	0.20%	5.0	A+
December 31, 2025	$179M	0.12%	5.0	A+
September 30, 2025	$177M	0.19%	5.0	A+
June 30, 2025	$175M	0.19%	5.0	A+
March 31, 2025	$174M	0.08%	5.0	A+
December 31, 2024	$173M	0.34%	5.0	A+
September 30, 2024	$172M	0.13%	5.0	A+
June 30, 2024	$170M	0.25%	5.0	A+
March 31, 2024	$169M	0.09%	5.0	A+
December 31, 2023	$171M	0.12%	5.0	A+
September 30, 2023	$170M	0.36%	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 San Joaquin Power Employees 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 San Joaquin Power Employees 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 San Joaquin Power Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name San Joaquin Power Employees Credit Union

Website https://www.sjpecu.org

Address 1080 W SHAW AVE STE 109, FRESNO, CA 93711

Phone 559-230-5080

Fax 559-230-5097

President ANNETTE ROBBINS

CEO Marc Bradford

Full-Time Employees 7

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

0.17%

Return on Assets (ROA)

0.2763%

Return on Equity (ROE)

1.7953%

Non-Performing Loans Ratio (NPL)

0.04%

Total Assets

174,851,758

Total Amount of Shares and Deposits

144,857,304

Total Shares and Deposits < 1 Year

144,857,304

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

144,857,304

Total Interest Expense (Sum of items 6 8)

2,881,223

Number of Accounts for Regular Shares

6,682

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

498,636

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)

5,535,775

Total Liabilities

147,945,464

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

San Joaquin Power Employees Credit Union earned the Top 100 Healthiest 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026-q2.svg"
       alt="Ranked #48 in MonitorBankRates Top 100 Healthiest Small Credit Unions Q2 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions Q2 2026 ranking.

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Frequently Asked Questions About San Joaquin Power Employees Credit Union

How many branches does San Joaquin Power Employees Credit Union operate?

San Joaquin Power Employees 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 San Joaquin Power Employees Credit Union?

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

Does San Joaquin Power Employees Credit Union offer online and mobile banking?

Most modern institutions like San Joaquin Power Employees 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.sjpecu.org.