What are the current interest rates at CBC Federal Credit Union?

Current rates for CBC Federal Credit Union include: 12-Month CD: 4.25%

☰

Home›
Credit Unions›
CBC Federal Credit Union

iAdvertiser Disclosure

CBC Federal Credit Union Rates & Review April 2026

Q: How many branches does CBC Federal Credit Union operate?

CBC 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.

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

Yes, to access services at CBC 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, CBC 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: April 18, 2026

CBC Federal Credit Union's 1-Year IRA Term CDs rates are at 4.25%. MonitorBankRates evaluates the financial stability of CBC Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.13%. Rates were last updated on 04/18/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.13%

Excellent Lower than avg

CBC Federal Credit Union
Oceanair Federal Credit Union

2151 E Gonzales Rd
Oxnard, CA 93036 3704

https://www.cbcfcu.org

CBC Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
1-Year IRA Term Share Certificates	4.17%	4.25%
Min Deposit $500 Details $500.00 minimum deposit required. Fees can reduce earnings on the account. Early withdrawal penalties may apply. OceanAir reserves the right to end or modify these offers at any time without notice Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.13%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name CBC Federal Credit Union

Website https://www.cbcfcu.org

Address 2151 E Gonzales Rd, Oxnard, CA 93036 3704

Phone 805-988-2151

Fax 805-278-3825

President Timur Taluy

CEO Rick Weber

Full-Time Employees 132

Part-Time Employees 4

Branch Locations 5

ATM Locations 5

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.13%

Return on Assets (ROA)

-0.2560%

Return on Equity (ROE)

-3.3708%

Non-Performing Loans Ratio (NPL)

0.37%

Total Assets

862,968,418

Total Amount of Shares and Deposits

680,271,306

Total Shares and Deposits < 1 Year

572,534,355

Total Shares and Deposits 1 3 Years

77,390,529

Total Shares and Deposits > 3 Years

30,346,422

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

14,627,765

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

14,627,765

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

665,643,541

Total Interest Expense (Sum of items 6 8)

14,636,109

Share Certificates

4,291

Number of Accounts for Share Drafts

14,005

IRA KEOGH Accounts

1,106

Number of Accounts for Regular Shares

31,181

All other shares

Non Member Deposits

55,290

Money Market Shares

2,031

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

43,533,621

Total Liabilities

812,557,601

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for CBC Federal Credit Union yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for CBC Federal Credit Union

Frequently Asked Questions About CBC Federal Credit Union

Is CBC Federal Credit Union a safe place to deposit money?

Yes, CBC Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.1284443212673%, 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 CBC Federal Credit Union operate?

CBC 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 CBC Federal Credit Union?

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

Does CBC Federal Credit Union offer online and mobile banking?

Most modern institutions like CBC 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.cbcfcu.org.