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

Current rates for CHAFFEY Federal Credit Union include: 12-Month CD: 3.35%, 24-Month CD: 3.55%, 60-Month CD: 3.81%, Savings: 5.80%

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CHAFFEY Federal Credit Union

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CHAFFEY Federal Credit Union Rates & Review September 2026

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

Yes, to access services at CHAFFEY 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, CHAFFEY 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: September 22, 2026

CHAFFEY Federal Credit Union's 60 Month CDs rates are at 4.01%, 60 Month CDs rates are at 3.96%, IRA CDs 60 month rates are at 3.96%, 48 Month CDs rates are at 3.91%, 60 Month CDs rates are at 3.91%. CHAFFEY Federal Credit Union's savings rates are at 5.80%. CHAFFEY Federal Credit Union's 30-YEAR FIXED RATE MORTGAGE rates are at 7.38%. CHAFFEY Federal Credit Union's Personal Loan Rates are as low as 8.99%. CHAFFEY Federal Credit Union's Credit Card Rates are at 9.00%. MonitorBankRates evaluates the financial stability of CHAFFEY Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.01%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.01%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

CHAFFEY Federal Credit Union
Rancho Cucamonga

11563 Foothill Blvd Ste 101
Rancho Cucamonga, CA 91730-3969

http://chaffey.com

CHAFFEY Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Share Certificates	3.95%	4.01%	60 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Platinum Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
60 Month Share Certificates	3.90%	3.96%	60 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Platinum Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
60 Month Share Certificates	3.90%	3.96%	60 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Gold Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 60 month	3.90%	3.96%	60 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Platinum Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
48 Month Share Certificates	3.85%	3.91%	48 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Platinum Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
60 Month Share Certificates	3.85%	3.91%	60 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Gold Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
60 Month Share Certificates	3.85%	3.91%	60 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Silver Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 60 month	3.85%	3.91%	60 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Gold Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
36 Month Share Certificates	3.80%	3.86%	36 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Platinum Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
48 Month Share Certificates	3.80%	3.86%	48 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Platinum Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
48 Month Share Certificates	3.80%	3.86%	48 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Gold Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
60 Month Share Certificates	3.80%	3.86%	60 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Silver Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
60 Month Share Certificates	3.80%	3.86%	60 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Standard Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 48 month	3.80%	3.86%	48 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Platinum Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 60 month	3.80%	3.86%	60 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Silver Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
36 Month Share Certificates	3.75%	3.81%	36 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Platinum Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
48 Month Share Certificates	3.75%	3.81%	48 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Gold Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
48 Month Share Certificates	3.75%	3.81%	48 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Silver Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
60 Month Share Certificates	3.75%	3.81%	60 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Standard Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 36 month	3.75%	3.81%	36 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Platinum Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 48 month	3.75%	3.81%	48 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Gold Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 60 month	3.75%	3.81%	60 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Standard Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
36 Month Share Certificates	3.75%	3.80%	36 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Gold Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
48 Month Share Certificates	3.70%	3.76%	48 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Silver Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 48 month	3.70%	3.76%	48 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Silver Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
24 Month Share Certificates	3.70%	3.75%	24 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Platinum Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
36 Month Share Certificates	3.70%	3.75%	36 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Gold Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
36 Month Share Certificates	3.70%	3.75%	36 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Silver Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
48 Month Share Certificates	3.70%	3.75%	48 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Standard Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 36 month	3.70%	3.75%	36 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Gold Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
24 Month Share Certificates	3.65%	3.70%	24 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Platinum Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
24 Month Share Certificates	3.65%	3.70%	24 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Gold Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
36 Month Share Certificates	3.65%	3.70%	36 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Silver Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
36 Month Share Certificates	3.65%	3.70%	36 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Standard Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
48 Month Share Certificates	3.65%	3.70%	48 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Standard Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 24 month	3.65%	3.70%	24 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Platinum Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 36 month	3.65%	3.70%	36 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Silver Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 48 month	3.65%	3.70%	48 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Standard Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
24 Month Share Certificates	3.60%	3.65%	24 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Gold Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
24 Month Share Certificates	3.60%	3.65%	24 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Silver Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
36 Month Share Certificates	3.60%	3.65%	36 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Standard Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 24 month	3.60%	3.65%	24 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Gold Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 36 month	3.60%	3.65%	36 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Standard Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
24 Month Share Certificates	3.55%	3.60%	24 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Silver Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
24 Month Share Certificates	3.55%	3.60%	24 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Standard Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 24 month	3.55%	3.60%	24 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Silver Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
12 Month Share Certificates	3.50%	3.56%	12 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Platinum Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
24 Month Share Certificates	3.50%	3.55%	24 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Standard Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 24 month	3.50%	3.55%	24 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Standard Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
12 Month Share Certificates	3.45%	3.51%	12 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Platinum Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 12 month	3.45%	3.51%	12 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Platinum Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
12 Month Share Certificates	3.45%	3.50%	12 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Gold Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
12 Month Share Certificates	3.40%	3.45%	12 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Gold Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
12 Month Share Certificates	3.40%	3.45%	12 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Silver Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 12 month	3.40%	3.45%	12 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Gold Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
12 Month Share Certificates	3.35%	3.40%	12 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Silver Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
12 Month Share Certificates	3.35%	3.40%	12 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Standard Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
6 Month Share Certificates	3.35%	3.40%	6 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Platinum Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 12 month	3.35%	3.40%	12 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Silver Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
12 Month Share Certificates	3.30%	3.35%	12 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Standard Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
6 Month Share Certificates	3.30%	3.35%	6 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Platinum Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
6 Month Share Certificates	3.30%	3.35%	6 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Gold Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Share Certificates 12 month	3.30%	3.35%	12 Months
Min Balance $1,000 Details Balance: $1,000; Member Rewards Level: Standard Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
6 Month Share Certificates	3.25%	3.30%	6 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Gold Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
6 Month Share Certificates	3.25%	3.30%	6 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Silver Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
6 Month Share Certificates	3.20%	3.25%	6 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Silver Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
6 Month Share Certificates	3.20%	3.25%	6 Months
Min Balance $10,000 Details Balance: $10,000; Rewards Level: Standard Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
6 Month Share Certificates	3.15%	3.20%	6 Months
Min Balance $1,000 Details Balance: $1,000; Rewards Level: Standard Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

CHAFFEY Federal Credit Union Savings Rates

Product	Rate	APY	View More
Summer Savings Club	5.68%	5.80%
Min Deposit $50 Details Term: June 15, 2026 - June 15, 2027; Dividends paid quarterly and at account maturity on June 15, 2027. Monthly direct deposit or payroll deduction of $50 - $2,000 must be set up for account; money transfer apps (i.e.: Zelle, Venmo) do not count as direct deposit. After 60 days of no deposits, account will be closed, and funds will be transferred to your regular savings account. Account will not be closed if there are no deposits during the summer months, but will be closed if deposits do not start by October 1, 2026. Earnings transferred to chosen savings account at account maturity. Account automatically renews at maturity with the updated rate for the new program year. Limit 1 Summer Savings Club account per Member. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

CHAFFEY Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
30-YEAR FIXED RATE MORTGAGE	7.38%	-	7.46%	360 months
Details Advertised Rate quoted as of September 21, 2026, 8:09am; Rate-lock period is 45 days; Minimum downpayment is 3%; Available for single-family homes in California. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

CHAFFEY Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity HELOCs	-	-	6.75%
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

CHAFFEY Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles Loan	-	-	4.39%	Up to 36 Months
Details Published APR range: 4.39% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
New Vehicles Loan	-	-	4.59%	Up to 54 Months
Details Published APR range: 4.59% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
New Vehicles Loan	-	-	4.69%	Up to 66 Months
Details Published APR range: 4.69% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
New Vehicles Loan	-	-	4.89%	Up to 78 Months
Details Published APR range: 4.89% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Used Vehicles Loan	-	-	4.99%	Up to 36 Months
Details Published APR range: 4.99% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Used Vehicles Loan	-	-	5.19%	Up to 54 Months
Details Published APR range: 5.19% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Used Vehicles Loan	-	-	5.59%	Up to 66 Months
Details Published APR range: 5.59% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
New Vehicles Loan	-	-	5.64%	Up to 84 Months
Details Published APR range: 5.64% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Used Vehicles Loan	-	-	5.89%	Up to 78 Months
Details Published APR range: 5.89% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Used Vehicles Loan	-	-	6.64%	Up to 84 Months
Details Published APR range: 6.64% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
New and Used Auto Loans	-	-	9.00%
Details Published APR range: 9.00% - 17.99%. Rates include a 0.50% discount for automatic payment. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

CHAFFEY Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Fixed Rate New and Used Boat/Recreational Loans+	-	7.99%	120 Months
Details Published APR range: 7.99% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Fixed Rate New and Used Motorcycle Loans+	-	7.99%	Up to 36 Months
Details Published APR range: 7.99% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Fixed Rate New and Used Motorcycle Loans+	-	8.19%	Up to 54 Months
Details Published APR range: 8.19% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Fixed Rate New and Used Motorcycle Loans+	-	8.39%	Up to 66 Months
Details Published APR range: 8.39% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Fixed Rate New and Used Boat/Recreational Loans+	-	9.99%	180 Months
Details Published APR range: 9.99% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Fixed Rate New and Used Motorcycle Loans+	-	10.19%	Up to 78 Months
Details Published APR range: 10.19% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

CHAFFEY Federal Credit Union Credit Card Rates

Product	Rate	APR
Credit Card	-	9.00%
Details Published APR range: 9.00% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Visa Platinum	-	9.90%
Details Line Amounts: $10,000 - $25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Visa Gold	-	10.90%
Details Published APR range: 10.90% - 16.00%. Line Amounts: $5,000 - $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Visa Advantage	-	13.75%
Details Published APR range: 13.75% - 17.00%. Line Amounts: $500 - $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Visa Classic	-	14.75%
Details Published APR range: 14.75% - 18.00%. Line Amounts: $500 - $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Visa Secured	-	18.00%
Details Line Amounts: 100% of Secured Amount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

CHAFFEY Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loans	8.99%	36 Months
Details Published APR range: 8.99% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Signature Loans	9.99%	48 Months
Details Published APR range: 9.99% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Signature Loans	10.99%	60 Months
Details Published APR range: 10.99% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

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.
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Financial Health History

CHAFFEY Federal Credit Union’s Texas Ratio rose from 0.53% in Q2 2023 to 2.01% 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	$229M	2.01%	5.0	A+
December 31, 2025	$229M	1.09%	5.0	A+
September 30, 2025	$229M	3.38%	5.0	A+
June 30, 2025	$238M	5.79%	5.0	A+
March 31, 2025	$237M	2.80%	5.0	A+
December 31, 2024	$231M	2.65%	5.0	A+
September 30, 2024	$231M	2.07%	5.0	A+
June 30, 2024	$232M	1.68%	5.0	A+
March 31, 2024	$233M	1.04%	5.0	A+
December 31, 2023	$218M	0.94%	5.0	A+
September 30, 2023	$214M	1.22%	5.0	A+
June 30, 2023	$209M	0.53%	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 CHAFFEY 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 CHAFFEY 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 CHAFFEY Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name CHAFFEY Federal Credit Union

Website http://chaffey.com

Address 11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730-3969

Phone 909-986-4552

Fax 909-949-3878

President Donald Bertucci

CEO Diane Kotlewski

Full-Time Employees 42

Part-Time Employees 1

Branch Locations 3

ATM Locations 3

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.01%

Return on Assets (ROA)

-0.0268%

Return on Equity (ROE)

-0.3434%

Non-Performing Loans Ratio (NPL)

0.31%

Total Assets

229,064,484

Total Amount of Shares and Deposits

201,755,533

Total Shares and Deposits < 1 Year

185,043,691

Total Shares and Deposits 1 3 Years

12,138,334

Total Shares and Deposits > 3 Years

4,573,507

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

7,651,286

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

7,651,286

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

194,104,247

Total Interest Expense (Sum of items 6 8)

830,771

Share Certificates

1,317

Number of Accounts for Share Drafts

6,050

IRA KEOGH Accounts

525

Number of Accounts for Regular Shares

13,013

Money Market Shares

249

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

-61,302

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)

15,494,678

Total Liabilities

214,589,485

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

CHAFFEY Federal Credit Union earned the Verified Healthy badge

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

Customer Reviews

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

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for CHAFFEY Federal Credit Union

Frequently Asked Questions About CHAFFEY Federal Credit Union

How many branches does CHAFFEY Federal Credit Union operate?

CHAFFEY 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 CHAFFEY Federal Credit Union?

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

Does CHAFFEY Federal Credit Union offer online and mobile banking?

Most modern institutions like CHAFFEY 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: http://chaffey.com.

Current CHAFFEY Federal Credit Union Rates

12-Month CD3.35%
24-Month CD3.55%
60-Month CD3.81%
Savings5.80%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

CHAFFEY Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

CHAFFEY Federal Credit Union Texas Ratio

CHAFFEY Federal Credit Union Health Trend

CHAFFEY Federal Credit Union CD Rates

CHAFFEY Federal Credit Union Savings Rates

CHAFFEY Federal Credit Union Mortgage Rates

CHAFFEY Federal Credit Union Home Equity & HELOC

CHAFFEY Federal Credit Union Auto Loan Rates

CHAFFEY Federal Credit Union RV, Boat and Powersport Loan Rates

CHAFFEY Federal Credit Union Credit Card Rates

CHAFFEY Federal Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

CHAFFEY Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About CHAFFEY Federal Credit Union

How many branches does CHAFFEY Federal Credit Union operate?

Is a member application needed to join CHAFFEY Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does CHAFFEY Federal Credit Union offer online and mobile banking?

Current CHAFFEY Federal Credit Union Rates

Compare to Other Credit Unions