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CAHP Credit Union

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CAHP Credit Union Rates & Review September 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: September 23, 2026

CAHP Credit Union's Personal Loan Rates are as low as 11.95%. CAHP Credit Union's Credit Card Rates are at 13.49%. 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 0.51%. Rates last updated and verified on 09/23/2026.

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 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

0.51%

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

CAHP Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Autos (cars, trucks, and SUVs)	-	-	4.99%	up to 120 months
Details As Low As; Interest accrues upon loan disbursal for 120-Day No Pay. Some restrictions apply. Optional. All loans granted on approval of credit (OAC). Loan rates are based on credit score and term of loan. Sample monthly payment for a loan of $15,000 for 60 months at 4.99% would be approximately $283.00. All rates and promotions subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%

CAHP Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles Loan	-	6.99%	up to 120 months
Details As Low As; Interest accrues upon loan disbursal for 120-Day No Pay. Some restrictions apply. Optional. All loans granted on approval of credit (OAC). Loan rates are based on credit score and term of loan. Sample monthly payment for a loan of $15,000 for 60 months at 4.99% would be approximately $283.00. All rates and promotions subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
Recreational Vehicles (RVs, watercraft, and off-road vehicles) Loan	-	6.99%	up to 120 months
Details As Low As; Interest accrues upon loan disbursal for 120-Day No Pay. Some restrictions apply. Optional. All loans granted on approval of credit (OAC). Loan rates are based on credit score and term of loan. Sample monthly payment for a loan of $15,000 for 60 months at 4.99% would be approximately $283.00. All rates and promotions subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%

CAHP Credit Union Credit Card Rates

Product	Rate	APR
Platinum Visa	-	13.49%
Details As low as; Grace Period: 25 days on all purchases; Personal Identity Theft Protection: Yes; Free $1,000,000 Travel Accident Insurance: Yes; Free $3,000 Lost Luggage Reimbursement: Yes; Free Auto Rental Insurance: Yes; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
PORAC PLATINUM VISA	-	13.49%
Details Exclusively for PORAC Members; As low as; Grace Period: 25 days on all purchases; Personal Identity Theft Protection: Yes; Free $1,000,000 Travel Accident Insurance: Yes; Free $3,000 Lost Luggage Reimbursement: Yes; Free Auto Rental Insurance: Yes; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
Premier Visa	-	16.49%
Details You pay your balance in full every month or you are establishing your credit; As low as; Grace Period: 25 days on all purchases; Personal Identity Theft Protection: Yes; Free $1,000,000 Travel Accident Insurance: No; Free $3,000 Lost Luggage Reimbursement: No; Free Auto Rental Insurance: No; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%

CAHP Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	11.95%
Details Signature Loans; 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%

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 0.93% in Q2 2023 to 0.51% in Q1 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
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+
June 30, 2023	$312M	0.93%	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 36

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+ (100/100)

Texas Ratio

0.51%

Return on Assets (ROA)

0.1726%

Return on Equity (ROE)

1.9709%

Non-Performing Loans Ratio (NPL)

0.07%

Total Assets

403,972,301

Total Amount of Shares and Deposits

365,689,071

Total Shares and Deposits < 1 Year

334,929,559

Total Shares and Deposits 1 3 Years

30,751,093

Total Shares and Deposits > 3 Years

8,418

Total Interest Expense (Sum of items 6 8)

1,925,797

Share Certificates

3,004

Number of Accounts for Share Drafts

13,642

IRA KEOGH Accounts

101

Number of Accounts for Regular Shares

24,394

Money Market Shares

451

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)

66,890,603

Total Liabilities

368,601,739

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

CAHP Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

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

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Total Reviews

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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.