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CAHP Credit Union

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CAHP Credit Union Rates & Review October 2026

Q: How many branches does CAHP Credit Union operate?

CAHP 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.

Q: Is a member application needed to join CAHP Credit Union?

Yes, to access services at CAHP 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.

Q: Is there a first-time homebuyer program?

Currently, CAHP 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, CAHP 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

CAHP Credit Union's top rates as of October 13, 2026 are personal loans from 11.95% APR, and credit cards from 13.74% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of CAHP Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.76%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy 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

0.76%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

CAHP Credit Union
Main Office

2843 Manlove Rd
Sacramento, CA 95826-3248

https://cahpcu.org

Privately insuredNot NCUA

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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.

CAHP Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.99%	up to 120 months
Details As Low As; Interest accrues upon loan disbursal. Some restrictions apply. Loan rates are based on credit score and term of loan. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%

CAHP Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
RV Loan	-	6.99%	up to 120 months
Details As Low As; Interest accrues upon loan disbursal. Some restrictions apply. Loan rates are based on credit score and term of loan. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%

CAHP Credit Union Credit Card Rates

Product	Rate	APR
Platinum Visa	-	13.74%
Details As low as; Our best rate for those with excellent credit. Cash Advance Fee: $5.00 or 2.50% of the amount of each cash advance, whichever is greater. Balance Transfer Fee: $5.00 or 2.50% of the amount of each balance transfer, whichever is greater. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Oct 10, 202613.74%▲ from 13.49% Sep 18, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
PORAC PLATINUM VISA	-	13.74%
Details Exclusively for PORAC Members; As low as; Our best rate for those with excellent credit. Cash Advance Fee: $5.00 or 2.50% of the amount of each cash advance, whichever is greater. Balance Transfer Fee: $5.00 or 2.50% of the amount of each balance transfer, whichever is greater. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Oct 10, 202613.74%▲ from 13.49% Sep 18, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
Premier Visa	-	16.74%
Details As low as; You pay your balance in full every month or you are establishing your credit. Cash Advance Fee: $5.00 or 2.50% of the amount of each cash advance, whichever is greater. Balance Transfer Fee: $5.00 or 2.50% of the amount of each balance transfer, whichever is greater. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 16.49% → 16.74% ▲ 0.25 pts · high 16.74% / low 16.49% Oct 10, 202616.74%▲ from 16.49% Sep 18, 202616.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%

CAHP Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loans	11.95%
Details Annual Percentage Rate (APR) may vary. Please call for current rates. All loans granted on approval of credit (OAC). Loan rates are based on credit score and term of loan. As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.95% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%

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

CAHP Credit Union’s Texas Ratio stayed near 1.24% in Q3 2023 to 0.76% 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	$407M	0.76%	5.0	A+
March 31, 2026	$404M	0.51%	5.0	A+
December 31, 2025	$392M	0.61%	5.0	A+
September 30, 2025	$383M	0.55%	5.0	A+
June 30, 2025	$374M	0.39%	5.0	A+
March 31, 2025	$362M	0.68%	5.0	A+
December 31, 2024	$348M	0.95%	5.0	A+
September 30, 2024	$343M	1.26%	5.0	A+
June 30, 2024	$338M	1.06%	5.0	A+
March 31, 2024	$332M	0.65%	5.0	A+
December 31, 2023	$321M	1.65%	5.0	A+
September 30, 2023	$322M	1.24%	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 CAHP 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 CAHP 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 CAHP Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name CAHP Credit Union

Website https://cahpcu.org

Address 2843 Manlove Rd, Sacramento, CA 95826-3248

Phone 916-362-4191

Fax 916-362-1399

President Paul Duran

CEO Audrey Pappas

Full-Time Employees 35

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured No, not federally insured

Private Share Insurance Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.76%

Return on Assets (ROA)

0.3679%

Return on Equity (ROE)

4.1367%

Non-Performing Loans Ratio (NPL)

0.10%

Total Assets

406,659,425

Total Amount of Shares and Deposits

367,681,757

Total Shares and Deposits < 1 Year

333,806,707

Total Shares and Deposits 1 3 Years

33,867,604

Total Shares and Deposits > 3 Years

7,445

Total Interest Expense (Sum of items 6 8)

3,833,722

Share Certificates

2,896

Number of Accounts for Share Drafts

13,748

IRA KEOGH Accounts

101

Number of Accounts for Regular Shares

24,399

Money Market Shares

467

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)

58,445,788

Total Liabilities

370,489,752

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

CAHP Credit Union earned the Verified Healthy 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.

<a href="https://monitorbankrates.com/credit-unions/cahp-credit-union-rates-review-95071">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About CAHP Credit Union

How many branches does CAHP Credit Union operate?

CAHP 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 CAHP Credit Union?

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

Does CAHP Credit Union offer online and mobile banking?

Most modern institutions like CAHP 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://cahpcu.org.