What are the current interest rates at Foothill Credit Union?

Current rates for Foothill Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 3.80%, 60-Month CD: 4.00%, Savings: 0.05%, MMA: 0.30%

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Foothill Credit Union

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Foothill Credit Union Rates & Review September 2026

Q: How many branches does Foothill Credit Union operate?

Foothill 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 Foothill Credit Union?

Yes, to access services at Foothill 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, Foothill 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, Foothill 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

Foothill Credit Union's 60 Month Jumbo CD rates are at 4.05%, 60 Month Jumbo IRA CD rates are at 4.05%, 60 Month Regular IRA CD rates are at 4.00%, 60 Month CD rates are at 4.00%, 48 Month Jumbo CD rates are at 3.95%. Foothill Credit Union's savings rates are at 0.05%. Foothill Credit Union's money market rates are at 0.30%. Foothill Credit Union's Adjustable Rate - 5/1 ARM rates are at 6.12%, Adjustable Rate Mortgage rates are at 6.12%, Adjustable Rate - 7/1 ARM rates are at 6.38%, Adjustable Rate Mortgage rates are at 6.38%, Fixed rate mortgages conforming loans rates are at 6.38%. Foothill Credit Union's Auto Loan Rates are as low as 3.05%. MonitorBankRates evaluates the financial stability of Foothill Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.01%. Rates last updated and verified on 09/22/2026.

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

1.01%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Foothill Credit Union
Corporate Office

250 W Colorado Blvd
Arcadia, CA 91007

http://www.foothillcu.org

Foothill Credit Union CD Rates

Product	Rate	APY	Term
60 Month Jumbo Certificate	3.97%	4.05%	60 Month
Min Balance $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
60 Month Jumbo IRA Certificate	3.97%	4.05%	60 Month
Min Balance $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
60 Month Regular IRA Certificate	3.92%	4.00%	60 Month
Min Balance $2,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
60 Month Share Certificate	3.92%	4.00%	60 Month
Min Balance $2,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
48 Month Jumbo Certificate	3.87%	3.95%	48 Month
Min Balance $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
48 Month Jumbo IRA Certificate	3.87%	3.95%	48 Month
Min Balance $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
36 Month Jumbo Certificate	3.83%	3.90%	36 Month
Min Balance $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
36 Month Jumbo IRA Certificate	3.83%	3.90%	36 Month
Min Balance $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
48 Month Regular IRA Certificate	3.83%	3.90%	48 Month
Min Balance $2,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
48 Month Share Certificate	3.83%	3.90%	48 Month
Min Balance $2,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
24 Month Jumbo Certificate	3.78%	3.85%	24 Month
Min Balance $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
24 Month Jumbo IRA Certificate	3.78%	3.85%	24 Month
Min Balance $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
36 Month Regular IRA Certificate	3.78%	3.85%	36 Month
Min Balance $2,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
36 Month Share Certificate	3.78%	3.85%	36 Month
Min Balance $2,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
12 Month Core Certificate	3.73%	3.80%	12 Month
Min Deposit $500 Min Balance $500 Details Account maximum is $100,000. Members may open multiple Core Certificates for a maximum deposit of $100,000. Core group includes employees who work for our educator, healthcare, and government municipalities partners. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
12 Month Jumbo Certificate	3.73%	3.80%	12 Month
Min Balance $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
12 Month Jumbo IRA Certificate	3.73%	3.80%	12 Month
Min Balance $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
24 Month Regular IRA Certificate	3.73%	3.80%	24 Month
Min Balance $2,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
24 Month Share Certificate	3.73%	3.80%	24 Month
Min Balance $2,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
28 Month Share Certificate	3.73%	3.80%	28 Month
Min Balance $2,000 Details Term: 28 Month (Online only); Online Certificate Special: 28 Month Certificate can only be opened via Foothill's online banking. If you currently do not have online banking, please call us at (626) 445-0950 to set up access. Maximum deposit of $250,000. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
6 Month Jumbo Certificate	3.73%	3.80%	6 Month
Min Balance $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
9 Month Jumbo Certificate	3.73%	3.80%	9 Month
Min Balance $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
12 Month Regular IRA Certificate	3.68%	3.75%	12 Month
Min Balance $2,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
12 Month Share Certificate	3.68%	3.75%	12 Month
Min Balance $2,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
6 Month Share Certificate	3.68%	3.75%	6 Month
Min Balance $2,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
9 Month Share Certificate	3.68%	3.75%	9 Month
Min Balance $2,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
12 Month Youth Saver Certificate	3.44%	3.50%	12 Month
Min Deposit $25 Min Balance $25 Details Maximum Balance: $50,000. Additional $25 deposits will be allowed at anytime. One penalty free withdrawal during 12-month term. Youth Saver Certificate available until the age of 24. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%

Foothill Credit Union Savings Rates

Product	Rate	APY
Summertime Savings for School Employees	5.83%	6.00%
Min Deposit $50 Min Balance $50 Details Funds withdrawn after 30 days will incur a $5 fee. Transfers only from Summertime Savings. Certificated and classified school employees of our Board approved SEGs are eligible for our Summertime Savings Account bonus rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Flex Savings (New Money Only)	2.96%	3.00%
Min Deposit $2,000 Min Balance $2,000 Details Must maintain a $2,000 balance to earn interest. New money only. New money is considered as funds that have been deposited into the credit union in the last 90 days. No penalty for withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Educator Plus Savings	0.55%	0.55%
Min Deposit $0 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Christmas Club	0.45%	0.45%
Min Deposit $50 Min Balance $50 Details Members with a Christmas Club and a Summertime Savings are allowed a combined maximum deposit of $3,000 per month into both accounts. See the credit union for clarification. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Rainy Day Savings (less than	0.45%	0.45%
Min Deposit $5 Min Balance $5 Details $2,500; $5 min. - $250 max monthly Foothill account transfer. Regular Share rate will apply to any balance over $2,500. Each additional withdrawal within the 90 day period will incur a $2.00 fee. Each withdrawal made will reset the month count for applicable bonuses. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Summertime Savings	0.45%	0.45%
Min Deposit $50 Min Balance $50 Details Make deposits through direct deposit, payroll deduction, transfer funds using online banking, or add money at any of our branches. Minimum deposit per month is $50 ; maximum deposit per month is $3,000. Dividends will not be earned on any deposits over $3,000. Members with a Christmas Club and a Summertime Savings are allowed a combined maximum deposit of $3,000 per month into both accounts. See the credit union for clarification. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Young Adults Savings	0.20%	0.20%
Min Deposit $50 Min Balance $1,500 Details Balance: $1,500.00; A 0.05% rate bonus when balance reaches $500, $1,000, and $1,500. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Youth Savings	0.20%	0.20%
Min Deposit $5 Min Balance $1,500 Details A 0.05% rate bonus when balance reaches $500, $1,000, and $1,500. Balance: $1,500.00 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Young Adults Savings	0.15%	0.15%
Min Deposit $50 Min Balance $1,000 Details Balance: $1,000.00; A 0.05% rate bonus when balance reaches $500, $1,000, and $1,500. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Youth Savings	0.15%	0.15%
Min Deposit $5 Min Balance $1,000 Details A 0.05% rate bonus when balance reaches $500, $1,000, and $1,500. Balance: $1,000.00 - $1,499.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Young Adults Savings	0.10%	0.10%
Min Deposit $50 Min Balance $500 Details Balance: $500.00; A 0.05% rate bonus when balance reaches $500, $1,000, and $1,500. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Youth Savings	0.10%	0.10%
Min Deposit $5 Min Balance $500 Details A 0.05% rate bonus when balance reaches $500, $1,000, and $1,500. Balance: $500.00 - $999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Rainy Day Savings	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details $2,500+; $5 min. - $250 max monthly Foothill account transfer. Regular Share rate will apply to any balance over $2,500. Each additional withdrawal within the 90 day period will incur a $2.00 fee. Each withdrawal made will reset the month count for applicable bonuses. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Young Adults Savings	0.05%	0.05%
Min Deposit $50 Min Balance $50 Details Balance: $50.00; A 0.05% rate bonus when balance reaches $500, $1,000, and $1,500. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Youth Savings	0.05%	0.05%
Min Deposit $5 Min Balance $0 Details A 0.05% rate bonus when balance reaches $500, $1,000, and $1,500. Balance: $0.00 - $499.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%

Foothill Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	0.65%	0.65%
Min Balance $250,000 Details Balance: Over $250,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Money Market Account	0.60%	0.60%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Money Market Account	0.50%	0.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Money Market Account	0.45%	0.45%
Min Balance $20,000 Details Balance: $20,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Money Market Account	0.40%	0.40%
Min Balance $10,000 Details Balance: $10,000 - $19,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Money Market Account	0.35%	0.35%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Money Market Account	0.30%	0.30%
Min Balance $1,000 Details Balance: $1,000 - $2,499.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%

Foothill Credit Union Checking Rates

Product	Rate	APY
Protection Plus Checking	2.47%	2.50%
Min Deposit $0 Min Balance $0 Details Balance: <$2,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Rewards Checking	2.47%	2.50%
Min Deposit $0 Min Balance $0 Details Qualifications Required: APY is paid on balances if required qualifications are met each month. If the qualifications are not met, then no dividends are earned.; Balance: <$2,500; APY is paid on balances if required qualifications are met each month. If the qualifications are not met, then no dividends are earned. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Protection Plus Checking	0.75%	0.75%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500.01-$5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Rewards Checking	0.75%	0.75%
Min Deposit $0 Min Balance $2,500 Details Qualifications Required: APY is paid on balances if required qualifications are met each month. If the qualifications are not met, then no dividends are earned.; Balance: $2,500.01 - $5,000; APY is paid on balances if required qualifications are met each month. If the qualifications are not met, then no dividends are earned. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Protection Plus Checking	0.25%	0.25%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000.01- $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Rewards Checking	0.25%	0.25%
Min Deposit $0 Min Balance $5,000 Details Qualifications Required: APY is paid on balances if required qualifications are met each month. If the qualifications are not met, then no dividends are earned.; Balance: $5,000.01 - $10,000; APY is paid on balances if required qualifications are met each month. If the qualifications are not met, then no dividends are earned. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Protection Plus Checking	0.10%	0.10%
Min Deposit $0 Min Balance $10,000 Details Balance: >$10,000.01 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Rewards Checking	0.10%	0.10%
Min Deposit $0 Min Balance $10,000 Details Qualifications Required: APY is paid on balances if required qualifications are met each month. If the qualifications are not met, then no dividends are earned.; Balance: >$10,000.01; APY is paid on balances if required qualifications are met each month. If the qualifications are not met, then no dividends are earned. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%

Foothill Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable Rate - 5/1 ARM	6.13%	0.000	6.18%	5/1 ARM
Details The index for Adjustable Rate Mortgages is the One-Year Constant Maturity Treasury Rate. The current Index Value is 3.91% as of 07/10/2026 and is subject to change with out notice. Monthly payments may increase corresponding to changes in the rates. The maximum rate and APR over the life of the loan is 4% from the start rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Adjustable Rate Mortgage	6.13%	0.000	6.18%	5/1 ARM
Details Index: One-Year Constant Maturity Treasury Rate; Caps: 1/1/4; The maximum rate and APR over the life of the loan is 4% from the start rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Adjustable Rate - 7/1 ARM	6.38%	0.000	6.43%	7/1 ARM
Details The index for Adjustable Rate Mortgages is the One-Year Constant Maturity Treasury Rate. The current Index Value is 3.91% as of 07/10/2026 and is subject to change with out notice. Monthly payments may increase corresponding to changes in the rates. The maximum rate and APR over the life of the loan is 4% from the start rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Adjustable Rate Mortgage	6.38%	0.000	6.43%	7/1 ARM
Details Index: One-Year Constant Treasury Rate; Caps: 1/1/4; The maximum rate and APR over the life of the loan is 4% from the start rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Fixed rate mortgages conforming loans	6.38%	0.500	6.60%	15 year
Details up to $832,750; Plus Closing Cost. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Fixed rate mortgages conforming loans	6.50%	0.000	6.62%	15 year
Details up to $832,750; Plus Closing Cost. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Adjustable Rate - 10/1 ARM	6.63%	0.000	6.68%	10/1 ARM
Details The index for Adjustable Rate Mortgages is the One-Year Constant Maturity Treasury Rate. The current Index Value is 3.91% as of 07/10/2026 and is subject to change with out notice. Monthly payments may increase corresponding to changes in the rates. The maximum rate and APR over the life of the loan is 4% from the start rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Adjustable Rate Mortgage	6.63%	0.000	6.68%	10/1 ARM
Details Index: One-Year Constant Treasury Rate; Caps: 1/1/4; The maximum rate and APR over the life of the loan is 4% from the start rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Fixed rate mortgages conforming loans	6.88%	0.500	7.05%	20 year
Details up to $832,750; Plus Closing Cost. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Fixed rate mortgages conforming loans	7.00%	0.000	7.12%	20 year
Details up to $832,750; Plus Closing Cost. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Fixed rate mortgages conforming loans	7.00%	0.500	7.14%	30 year
Details up to $832,750; Plus Closing Cost. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Fixed rate mortgages conforming loans	7.13%	0.000	7.22%	30 year
Details up to $832,750; Plus Closing Cost. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%

Foothill Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	6.49%	Up to 120 Months
Details Published APR range: 6.49% - 8.99%. Loan Amount: $350,000; 80% financing Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Home Equity Line of Credit - 80% CLTV	-	-	6.75%	180 Months
Details Intro rate expires: 12 Month Intro %; Credit Score: 760+; Margin: -0.25; Sample current APR 6.75% as of 9/18/26. After the 10 year draw period, the loan becomes fully amortized over a 15 year repayment period. Your APR will not exceed 18.00%. Rates subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Home Equity Loan	-	-	6.99%	121 Months
Details Term: 121 Months to 180 Months; Published APR range: 6.99% - 9.49%. Loan Amount: $350,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Home Equity Line of Credit - 80% CLTV	-	-	7.00%	180 Months
Details Intro rate expires: 12 Month Intro %; Credit Score: 700-759; Margin: 0.00; Sample current APR 6.75% as of 9/18/26. After the 10 year draw period, the loan becomes fully amortized over a 15 year repayment period. Your APR will not exceed 18.00%. Rates subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Home Equity Line of Credit - 80% CLTV	-	-	7.50%	180 Months
Details Intro rate expires: 12 Month Intro %; Credit Score: 660-699; Margin: 0.50; Sample current APR 6.75% as of 9/18/26. After the 10 year draw period, the loan becomes fully amortized over a 15 year repayment period. Your APR will not exceed 18.00%. Rates subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Home Equity Line of Credit - 80% CLTV	-	-	8.00%	180 Months
Details Intro rate expires: 12 Month Intro %; Credit Score: 620-659; Margin: 1.00; Sample current APR 6.75% as of 9/18/26. After the 10 year draw period, the loan becomes fully amortized over a 15 year repayment period. Your APR will not exceed 18.00%. Rates subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%

Foothill Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Truck	-	-	3.05%	Up to 60 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
New Auto	7.49%	-	7.49%	Up to 60 months
Details As Low As; Maximum Loan Amount: Up to $30,000; Rate discounts may apply: Get 0.50% Rate Deduction if member has an active direct deposit of at least $1,000 per month.; Get 0.25% Rate Discount if member enrolls in Auto Pay at the time of funding.; Maximum Auto Loan Discount available is 0.75%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Used Auto	7.75%	-	7.75%	Up to 60 months
Details As Low As; Maximum Loan Amount: Up to $30,000; Rate discounts may apply: Get 0.50% Rate Deduction if member has an active direct deposit of at least $1,000 per month.; Get 0.25% Rate Discount if member enrolls in Auto Pay at the time of funding.; Maximum Auto Loan Discount available is 0.75%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%

Foothill Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Career Advancement Loan	-	-	3.25%	60 months
Details Loan Amount: $15,000 Maximum. Members employed by one of our Educator, Healthcare, or City Municipality Core Groups are eligible for this loan. Requires proof of enrollment in approved program. Limit of one career advancement loan per member. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Conforming High Balance Fixed Rate	6.38%	0.500	6.54%	15 year
Details Plus Closing Cost. Limits based on geographic location. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Conforming High Balance Fixed Rate	6.50%	0.000	6.59%	15 year
Details Plus Closing Cost. Limits based on geographic location. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Conforming High Balance Fixed Rate	7.00%	0.500	7.10%	30 year
Details Plus Closing Cost. Limits based on geographic location. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Conforming High Balance Fixed Rate	7.13%	0.000	7.18%	30 year
Details Plus Closing Cost. Limits based on geographic location. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Credit Builder Loan	-	-	18.00%
Details Loan Amount: To be determined by amount secured in shares Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Legacy Loan	-	-	7.75%	12 months
Details A Living Trust must be established with Affinity Trust to get this loan. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
No Cost Fixed Rate	7.00%	0.000	7.00%	10 year
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
No Cost Fixed Rate	7.00%	0.000	7.00%	15 year
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
No Cost Fixed Rate	7.63%	0.000	7.63%	30 year
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Plan Your Purchase Loan	-	-	17.99%	3 - 15
Details Loan Amount: $200 - $2,500; Options tiers as follows: $100 - $200 \| 3 or 6 month; $201 - $1,000 \| 3,6, or 9 month; $1,000 - $2,500 \| 9, 12, or 15 month; Loan amounts range from $200 to $2,500. Members may qualify for up to 1 active Purchase Your Plans (PYP) at a time, not exceeding an aggregate total of $2,500. Repayment terms vary. Once a repayment plan is selected, it cannot be changed. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Plan Your Purchase Loan	-	-	17.99%	3 - 15 months
Details Loan Amount: $200 - $2,500; Options tiers as follows: $100 - $200 \| 3 or 6 month; $201 - $1,000 \| 3,6, or 9 month; $1,000 - $2,500 \| 9, 12, or 15 month. Loan amounts range from $200 to $2,500. Members may qualify for up to 1 active Purchase Your Plans (PYP) at a time, not exceeding an aggregate total of $2,500. Repayment terms vary. Once a repayment plan is selected, it cannot be changed. No early payoff penalty. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Platinum Loan	-	-	12.50%
Details Loan Amount: $100,000 Maximum Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Platinum Rewards Loan	-	-	14.00%
Details Loan Amount: $100,000 Maximum Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Split Your Payment Loan	-	-	14.99%	3 - 15
Details Loan Amount: $100 - $2,500; Options tiers as follows: $100 - $200 \| 3 or 6 month; $201 - $1,000 \| 3,6, or 9 month; $1,000 - $2,500 \| 9, 12, or 15 month; Only available for members who qualify. An eligible purchase for BNPL is a debit card purchase made in the past 60 days that is between $100 to $2,500 and was not a cash equivalent purchase (e.g., ATM withdrawal, money order, cash advance, etc.). Other restrictions surrounding the merchant type and transaction limits do affect BNPL eligibility. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Split Your Payment Loan	-	-	14.99%	3 - 15 months
Details Loan Amount: $100 - $2,500; Options tiers as follows: $100 - $200 \| 3 or 6 month; $201 - $1,000 \| 3,6, or 9 month; $1,000 - $2,500 \| 9, 12, or 15 month. Only available for members who qualify. An eligible purchase for BNPL is a debit card purchase made in the past 60 days that is between $100 to $2,500 and was not a cash equivalent purchase (e.g., ATM withdrawal, money order, cash advance, etc.). Other restrictions surrounding the merchant type and transaction limits do affect BNPL eligibility. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Regular Share IRA	0.30%	-	0.30%
Min Balance $1,000 Details Balance: $1,000 - $2,499 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Regular Share IRA	0.35%	-	0.35%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Regular Share IRA	0.40%	-	0.40%
Min Balance $10,000 Details Balance: $10,000 - $19,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Regular Share IRA	0.45%	-	0.45%
Min Balance $20,000 Details Balance: $20,000 - $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Regular Share IRA	0.50%	-	0.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Regular Share IRA	0.60%	-	0.60%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Regular Share IRA	0.65%	-	0.65%
Min Balance $250,000 Details Balance: over $250,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Regular Shares	0.05%	-	0.05%
Min Deposit $5 Min Balance $150 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%

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

Foothill Credit Union’s Texas Ratio stayed near 1.20% in Q2 2023 to 1.01% 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	$772M	1.01%	5.0	A+
December 31, 2025	$766M	1.45%	5.0	A+
September 30, 2025	$774M	1.19%	5.0	A+
June 30, 2025	$763M	1.23%	5.0	A+
March 31, 2025	$775M	1.14%	5.0	A+
December 31, 2024	$765M	1.73%	5.0	A+
September 30, 2024	$766M	1.01%	5.0	A+
June 30, 2024	$758M	1.58%	5.0	A+
March 31, 2024	$858M	1.56%	5.0	A+
December 31, 2023	$843M	1.85%	5.0	A+
September 30, 2023	$824M	1.56%	5.0	A+
June 30, 2023	$816M	1.20%	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 Foothill 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 Foothill 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 Foothill Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Foothill Credit Union

Website http://www.foothillcu.org

Address 250 W Colorado Blvd, Arcadia, CA 91007

Phone 626-445-0950

Fax 626-445-8042

President Scott McCulley

CEO Mike Terzian

Full-Time Employees 114

Part-Time Employees 1

Branch Locations 4

ATM Locations 4

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

1.01%

Return on Assets (ROA)

0.1146%

Return on Equity (ROE)

0.9318%

Non-Performing Loans Ratio (NPL)

0.18%

Total Assets

772,237,101

Total Amount of Shares and Deposits

668,508,321

Total Shares and Deposits < 1 Year

648,115,793

Total Shares and Deposits 1 3 Years

13,100,826

Total Shares and Deposits > 3 Years

7,291,701

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

44,248,404

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

44,248,404

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

624,259,917

Total Interest Expense (Sum of items 6 8)

2,739,724

Share Certificates

5,329

Number of Accounts for Share Drafts

26,784

IRA KEOGH Accounts

1,177

Number of Accounts for Regular Shares

44,631

Money Market Shares

1,419

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)

22,663,716

Total Liabilities

681,479,292

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Foothill Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Foothill Credit Union

How many branches does Foothill Credit Union operate?

Foothill 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 Foothill Credit Union?

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

Does Foothill Credit Union offer online and mobile banking?

Most modern institutions like Foothill 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://www.foothillcu.org.

Current Foothill Credit Union Rates

12-Month CD3.50%
24-Month CD3.80%
60-Month CD4.00%
Savings0.05%
MMA0.30%

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

Compare to Other Credit Unions

Foothill Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Foothill Credit Union Texas Ratio

Foothill Credit Union Health Trend

Foothill Credit Union CD Rates

Foothill Credit Union Savings Rates

Foothill Credit Union Money Market Rates

Foothill Credit Union Checking Rates

Foothill Credit Union Mortgage Rates

Foothill Credit Union Home Equity & HELOC

Foothill Credit Union Auto Loan Rates

Foothill Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Foothill Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Foothill Credit Union

How many branches does Foothill Credit Union operate?

Is a member application needed to join Foothill Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Foothill Credit Union offer online and mobile banking?

Current Foothill Credit Union Rates

Compare to Other Credit Unions