Balboa Thrift and Loan Association Rates and Review March 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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Balboa Thrift and Loan Association's Jumbo Certificates of Deposit and over) 3-Month rates are at 4.08%, 3-Months 3-Month Mini Money Maker Certificates of Deposit rates are at 4.08%, Jumbo Certificates of Deposit and over) 6-Month rates are at 4.03%, 6-Months 6-Month Mini Money Maker Certificates of Deposit rates are at 4.03%, Jumbo Certificates of Deposit and over) 12-Month rates are at 3.98%. MonitorBankRates evaluates the financial stability of Balboa Thrift and Loan Association with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.59%. Rates were last updated on 03/02/2026.
Rate Updates and AvailabilityBalboa Thrift and Loan Association 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 Balboa Thrift and Loan Association? Share your experience about Balboa Thrift and Loan Association by leaving a review below, or read customer reviews before you decide to use Balboa Thrift and Loan Association. Balboa Thrift and Loan Association Texas RatioBalboa Thrift and Loan Association's Texas Ratio is at 2.59%, which is considered excellent. The Texas Ratio for Balboa Thrift and Loan Association is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Balboa Thrift and Loan Association has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, Balboa Thrift and Loan Association is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 99/100
Balboa Thrift and Loan Association has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/02/2026 
Balboa Thrift and Loan Association CD Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Balboa Thrift and Loan Association is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Balboa Thrift and Loan Association 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 Balboa Thrift and Loan Association's official website for the most current offers and terms.
Bank Profile & OverviewBalboa Thrift and Loan Association
865 Amena CtChula Vista, CA 91910 San Diego Established Date: 12/11/1980 FDIC Certificate #: 26704 Date of FDIC Deposit Insurance: 07/03/1986 How Many Domestic U.S. Offices? 4 How Many Branches are There? 4 Website: https://www.balboathrift.com
Is Balboa Thrift and Loan Association FDIC Insured? Yes
What is Balboa Thrift and Loan Association's Cert number? 26704
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (99/100)
Texas Ratio:
2.59%
Return on Assets (ROA):
0.0265%
Return on Equity (ROE):
0.2000%
Non-Performing Loans (NPL):
0.31%
Total Assets:
$409,500,000
Total Deposits:
$361,383,000
Equity Capital:
$45,390,000
Net Income:
$-2,120,000
Headquarters:
Chula Vista
Regulator:
FDIC
# of Offices:
4
Source: FDIC | Last Updated 12/31/2025
Customer ReviewszLQL
December 17, 2025
kCBi
Add Your Rating and Review for Balboa Thrift and Loan Association
Frequently Asked Questions About Balboa Thrift and Loan AssociationHow do I open an account at Balboa Thrift and Loan Association?You can typically open an account at Balboa Thrift and Loan Association by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Balboa Thrift and Loan Association provides a range of mortgage and home equity products. Is Balboa Thrift and Loan Association a safe place to deposit money?Yes, Balboa Thrift and Loan Association is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Balboa Thrift and Loan Association offer online and mobile banking?Most modern institutions like Balboa Thrift and Loan Association provide digital access including online balance checks and transfers. Compare to other Banks |
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