|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 San Joaquin Power Employees Credit Union Rates & Review April 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.
Read Full Bio →
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: April 23, 2026
You can compare San Joaquin Power Employees Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.03%, 6-month share certificate rates at 0.65% and 3-month share certificate rates at 0.03%. Savings rates are at 0.15% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.01%. All these rates can be compared to San Joaquin Power Employees Credit Union rates. 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 0.20%. Rates were last updated on 04/23/2026. 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. San Joaquin Power Employees Credit Union
SAN JOAQUIN POWER EMPLOYEES CREDIT UNION 1080 W SHAW AVE STE 109
https://www.sjpecu.org FRESNO, CA 93711 
San Joaquin Power Employees Credit Union Mortgage Rates
San Joaquin Power Employees Credit Union Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates 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
6
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.20%
Return on Assets (ROA)
0.3643%
Return on Equity (ROE)
2.4737%
Non-Performing Loans Ratio (NPL)
0.04%
Total Assets
177,123,810
Total Amount of Shares and Deposits
146,349,257
Total Shares and Deposits < 1 Year
146,349,257
Total Insured Shares and Deposits > $250K (item 17 less item K)
146,349,257
Total Interest Expense (Sum of items 6 8)
4,538,109
Number of Accounts for Regular Shares
6,676
Net Income (unless the amount is already included in Undivided Earnings)
645,302
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
7,530,932
Total Liabilities
151,036,945
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About San Joaquin Power Employees Credit UnionIs San Joaquin Power Employees Credit Union a safe place to deposit money?Yes, San Joaquin Power Employees Credit Union is considered a safe financial institution. With a Texas Ratio of 0.19590318729368%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Compare to Other Credit Unions
Metro Realtors Federal Credit Union
Flint Federal Credit Union
PRR South Fork Federal Credit Union
SMART Federal Credit Union
Priority First Federal Credit Union
Angelina Federal Employees Credit Union
Pennstar Federal Credit Union
Tarrant Countys Credit Union
Industrial Employees Credit Union
Community Promise Federal Credit Union
Fort Dix Federal Credit Union
Logan Cache Rich Federal Credit Union
NIAGARAS CHOICE
Public Service Credit Union
Tuscaloosa County Credit Union
Decatur Postal Credit Union
SONOMA
Teamsters Local Union #270 Federal Credit Union
Cambridge Teachers Federal Credit Union
Rave Financial Credit Union
Wheat State Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
