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Befit Financial Federal Credit Union

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Befit Financial Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Befit Financial Federal 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: August 30, 2026

Befit Financial Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Befit Financial Federal Credit Union, and you can see how they compare in the Befit Financial Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Befit Financial Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.85%. Database rates last updated and verified on 08/30/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.85%

Excellent Higher than avg

Befit Financial Federal Credit Union
Befit Financial Federal Credit Union

640 E Main St
Vacaville, CA 95688 3933

https://www.bffcu.org

Current Rate Availability

We're not currently displaying rates for Befit Financial Federal Credit Union, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Befit Financial 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 Befit Financial 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 Befit Financial Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Befit Financial Federal Credit Union

Website https://www.bffcu.org

Address 640 E Main St, Vacaville, CA 95688 3933

Phone 707-557-8900

Fax 707-359-4515

President Lynette Howard

CEO Maybelline Bito

Full-Time Employees 8

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.85%

Return on Assets (ROA)

-0.0242%

Return on Equity (ROE)

-0.2548%

Non-Performing Loans Ratio (NPL)

1.83%

Total Assets

38,987,699

Total Amount of Shares and Deposits

34,897,402

Total Shares and Deposits < 1 Year

34,616,224

Total Shares and Deposits 1 3 Years

281,178

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

2,076,642

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

2,076,642

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

32,820,760

Total Interest Expense (Sum of items 6 8)

106,896

Share Certificates

109

Number of Accounts for Share Drafts

1,711

Number of Accounts for Regular Shares

3,877

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

-9,441

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)

5,705,168

Total Liabilities

35,261,900

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Befit Financial Federal Credit Union

How many branches does Befit Financial Federal Credit Union operate?

Befit Financial 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 Befit Financial Federal Credit Union?

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

Does Befit Financial Federal Credit Union offer online and mobile banking?

Most modern institutions like Befit Financial 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.bffcu.org.