Quick Poll
The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Farmers Insurance Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 18, 2026
Farmers Insurance Federal Credit Union's 3 Month CD rates are at 4.00%, 3-Month CD rates are at 4.00%, 6 Month CD rates are at 4.00%, 9 Month CD rates are at 4.00%, 9-Month No Penalty CD rates are at 4.00%. Farmers Insurance Federal Credit Union's savings rates are at 0.05%. Farmers Insurance Federal Credit Union's money market rates are at 0.05%. Farmers Insurance Federal Credit Union's Auto Loan Rates are as low as 4.99%. MonitorBankRates evaluates the financial stability of Farmers Insurance Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.06%. Rates last updated and verified on 09/18/2026. Farmers Insurance 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 Farmers Insurance Federal Credit Union? Share your experience about Farmers Insurance Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Farmers Insurance Federal Credit Union. Farmers Insurance Federal Credit Union
Farmers Insurance Group Federal Credit Union 87 W Alexander Ave
https://www.figfcu.org Merced, CA 95348-3404 
Farmers Insurance Federal Credit Union CD Rates
Farmers Insurance Federal Credit Union Savings Rates
Farmers Insurance Federal Credit Union Money Market Rates
Farmers Insurance Federal Credit Union Checking Rates
Farmers Insurance Federal Credit Union Home Equity & HELOC
Farmers Insurance Federal Credit Union Auto Loan Rates
Farmers Insurance Federal Credit Union Other Rates
Financial Health HistoryFarmers Insurance Federal Credit Union’s Texas Ratio rose from 5.26% in Q2 2023 to 10.06% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Farmers Insurance 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 Farmers Insurance 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 Farmers Insurance Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Farmers Insurance Federal Credit Union
Website
https://www.figfcu.org
Address
87 W Alexander Ave,
Merced, CA 95348-3404
Phone
800-877-2345
Fax
323-549-0272
President
Rudy Trevino
CEO
Mirella Reznic
Full-Time Employees
0
Part-Time Employees
0
Branch Locations
8
ATM Locations
9
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.06%
Return on Assets (ROA)
0.0903%
Return on Equity (ROE)
0.9472%
Non-Performing Loans Ratio (NPL)
1.31%
Total Assets
1,366,674,086
Total Amount of Shares and Deposits
1,162,630,502
Total Shares and Deposits < 1 Year
993,954,498
Total Shares and Deposits 1 3 Years
147,885,638
Total Shares and Deposits > 3 Years
20,790,367
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,162,630,502
Total Interest Expense (Sum of items 6 8)
7,210,214
Share Certificates
6,663
Number of Accounts for Share Drafts
46,882
IRA KEOGH Accounts
1,613
Number of Accounts for Regular Shares
85,110
Non Member Deposits
419
Money Market Shares
1,894
Net Income (unless the amount is already included in Undivided Earnings)
1,234,616
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)
166,158,714
Total Liabilities
1,236,354,241
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Farmers Insurance Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Farmers Insurance Federal Credit Union
Frequently Asked Questions About Farmers Insurance Federal Credit UnionHow many branches does Farmers Insurance Federal Credit Union operate?Farmers Insurance 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 Farmers Insurance Federal Credit Union?Yes, to access services at Farmers Insurance 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, Farmers Insurance 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, Farmers Insurance Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Farmers Insurance Federal Credit Union offer online and mobile banking?Most modern institutions like Farmers Insurance 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.figfcu.org. Current Farmers Insurance Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Bayonne School Employees Federal Credit Union
Neighborhood Community Federal Credit Union
Cy-Fair Federal Credit Union
Jackson Area Federal Credit Union JAFCU
Star One Credit Union
Tri County Credit Union Marinette, WI
Pittsburgh Federal Credit Union
Kearny Municipal Employees Federal Credit Union
VICTORIA TEACHERS
DISTRICT OF COLUMBIA TEACHERS
ORNL Federal Credit Union
Glover Federal Credit Union
OPC Federal Credit Union
Freedom Credit Union
Arkansas Education Association Federal Credit Union
AMPOT Federal Credit Union
D C FIRE DEPARTMENT
Wayne County Federal Credit Union
Canopy Federal Credit Union
Redlands City Employees Federal Credit Union
Pinn Memorial Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking