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Foothill Credit Union Rates & Review July 2026

Foothill Credit Union's Regular IRA CD 60 Month rates are at 3.95%, 60 Month CDs rates are at 3.95%, 12 Month New Money Flex CD rates are at 3.75%, 6 Month CDs rates are at 3.75%, 12 Month Core CD rates are at 3.50%. 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 Personal Loan Rates are at 9.50%. 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 1.19%. Rates were last updated on 07/11/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.19%
Excellent Lower than avg
Foothill Credit Union
Corporate Office
250 W Colorado Blvd
Arcadia, CA 91007
http://www.foothillcu.org
Member NCUA

Foothill Credit Union CD Rates

Product Rate APY Term View More
Regular IRA Certificate 60 Month 3.87% 3.95% 60 Month
Min Balance $2,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
60 Month Share Certificates 3.87% 3.95% 60 Month
Min Balance $2,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
12 Month New Money Flex Certificate 3.68% 3.75% 12 Month
Min Balance $2,000
Details Make unlimited additional deposits with new money and one penalty free withdrawal during initial term of the CD. Additional withdrawals prior to certificate maturity will result in a penalty. At maturity, certificate will automatically roll over to the standard 12-month certificate with corresponding rate at that time, unless otherwise specified by the member prior to maturity date.
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
6 Month Share Certificates 3.68% 3.75% 6 Month
Min Balance $2,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
12 Month Core Certificate 3.44% 3.50% 12 Month
Min Balance $500
Details Account minimum is $500, maximum balance 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 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Youth Saver Certificate 12 Month 3.44% 3.50% 12 Month
Min Deposit $25
Min Balance $25
Details Additional $25 deposits will be allowed at anytime. One penalty free withdrawal during 12-month term. Only Youth Account members are allowed to have a Youth Saver Certificate. Youth Saver Certificate available until the age of 24.
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Regular IRA Certificate 48 Month 3.39% 3.45% 48 Month
Min Balance $2,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
48 Month Share Certificates 3.39% 3.45% 48 Month
Min Balance $2,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Regular IRA Certificate 36 Month 3.25% 3.30% 36 Month
Min Balance $2,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
36 Month Share Certificates 3.25% 3.30% 36 Month
Min Balance $2,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Regular IRA Certificate 12 Month 3.20% 3.25% 12 Month
Min Balance $2,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
9 Month Share Certificates 3.20% 3.25% 9 Month
Min Balance $2,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
28 Month Certificate 3.15% 3.20% 28 Month
Min Balance $2,000
Details Online Certificate Special: 28 Month Certificate can only be opened via Foothill's online banking. Maximum deposit of $250,000.
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Regular IRA Certificate 24 Month 3.05% 3.10% 24 Month
Min Balance $2,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
24 Month Share Certificates 3.05% 3.10% 24 Month
Min Balance $2,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%

Foothill Credit Union Savings Rates

Product Rate APY View More
Summertime Savings for School Employees 5.83% 6.00%
Min Deposit $50
Min Balance $50
Details Certificated and classified school employees of our Board approved SEGs are eligible for our Summertime Savings Account bonus rate.
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
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 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Educator Plus Savings 0.55% 0.55%
Min Deposit $0
Min Balance $0
Details Funds withdrawn after 30 days will incur a $5 fee. Transfers only from Summertime Savings.
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Christmas Club 0.45% 0.45%
Min Deposit $50
Min Balance $50
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
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. 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 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
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.
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Rainy Day Savings 0.05% 0.05%
Min Deposit $5
Min Balance $5
Details $2,500+; 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 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Young Adults Savings 0.05% 0.05%
Min Balance $5
Details A 0.05% rate bonus when balance reaches $500, $1,000, and $1,500. Rates are variable, subject to change without notice and are anticipated rates and annual percentage yields for the current dividend rate.
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Youth Savings 0.05% 0.05%
Min Balance $5
Details A 0.05% rate bonus when balance reaches $500, $1,000, and $1,500. Rates subject to change without notice and are anticipated rates and annual percentage yields for the current dividend rate.
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%

Foothill Credit Union Money Market Rates

Product Rate APY View More
Money Market Account Tier 7 0.65% 0.65%
Min Balance $250,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Money Market Account Tier 6 0.60% 0.60%
Min Balance $100,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Money Market Account Tier 5 0.50% 0.50%
Min Balance $50,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Money Market Account Tier 4 0.45% 0.45%
Min Balance $20,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Money Market Account Tier 3 0.40% 0.40%
Min Balance $10,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Money Market Account Tier 2 0.35% 0.35%
Min Balance $2,500
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Money Market Account Tier 1 0.30% 0.30%
Min Balance $1,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%

Foothill Credit Union Checking Rates

Product Rate APY View More
Protection Plus Checking 2.47% 2.50%
Min Balance $0
Details Dividend Minimum: <$2,500
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Rewards Checking 2.47% 2.50%
Min Balance $0
Details Qualifications Required: Qualifications Required; Dividend Minimum: <$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 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Protection Plus Checking 0.75% 0.75%
Min Balance $0
Details Dividend Minimum: $2,500.01-$5,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Rewards Checking 0.75% 0.75%
Min Balance $0
Details Qualifications Required: Qualifications Required; Dividend Minimum: $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 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Protection Plus Checking 0.25% 0.25%
Min Balance $0
Details Dividend Minimum: $5,000 - $10,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Rewards Checking 0.25% 0.25%
Min Balance $0
Details Qualifications Required: Qualifications Required; Dividend Minimum: $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 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Protection Plus Checking 0.10% 0.10%
Min Balance $0
Details Dividend Minimum: >$10,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Rewards Checking 0.10% 0.10%
Min Balance $0
Details Qualifications Required: Qualifications Required; Dividend Minimum: >$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 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%

Foothill Credit Union Mortgage Rates

Product Rate Points APR Term View More
5/1 Adjustable Rate Mortgage - - 5.63%
Details Rate as low as
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%

Foothill Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - 80% CLTV - - 4.99% 180 Months
Details Intro rate expires: 12 Month Intro; Regular APR: 6.50%; Rate: WSJ Prime Rate + -0.25%
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Home Equity 80% financing - - 6.49% up to 120 Months
Details Loan Amount: $350,000
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Home Equity Loan - - 6.49% Up to 120 Months
Details 80% financing
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Home Equity Loan - - 6.99% 121 Months to 180 Months
Details 80% financing
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Home Equity New Truck Loan - - 6.99% 121 Months to 180 Months
Details 80% financing
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%

Foothill Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loan - - 4.74%
Details APR* as low as
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%

Foothill Credit Union Credit Card Rates

Product Rate APR View More
Platinum Mastercard - 12.25%
Details APR* as low as
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%

Foothill Credit Union Personal Loan Rates

Product Rate APR View More
Personal Loan - 9.50%
Details Rates displayed reflect the max discount. Deduct 0.50% for auto or personal loans if member adds a new direct deposit (minimum of $1,000/month). Deduct 0.25% for auto or personal loans if member sets up auto pay on the new loan at the time of funding. Rate range from as low as 10.75% APR up to 17.75% APR maximum (excludes discounts). Credit Union membership required with a minimum deposit of $5.00.
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Personal Loan - 10.00%
Details Rates subject to change without notice. Available discounts include: Deduct 0.50% for auto or personal loans if member adds a new direct deposit (minimum of $1,000/month). Existing direct deposits do not qualify.; Deduct 0.25% for auto or personal loans if member sets up auto pay on the new loan at the time of funding.
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Personal Loan - 10.50%
Details Rates displayed reflect the max discount. Deduct 0.50% for auto or personal loans if member adds a new direct deposit (minimum of $1,000/month). Deduct 0.25% for auto or personal loans if member sets up auto pay on the new loan at the time of funding. Rate range from as low as 10.75% APR up to 17.75% APR maximum (excludes discounts). Credit Union membership required with a minimum deposit of $5.00.
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Personal Loan - 11.00%
Details Rates subject to change without notice. Available discounts include: Deduct 0.50% for auto or personal loans if member adds a new direct deposit (minimum of $1,000/month). Existing direct deposits do not qualify.; Deduct 0.25% for auto or personal loans if member sets up auto pay on the new loan at the time of funding.
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Personal Line of Credit - 11.25%
Details Personal Line of Credit are excluded from discounts. Credit Union membership required with a minimum deposit of $5.00.
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%
Personal Loan - 11.25%
Details Rates displayed reflect the max discount. Deduct 0.50% for auto or personal loans if member adds a new direct deposit (minimum of $1,000/month). Deduct 0.25% for auto or personal loans if member sets up auto pay on the new loan at the time of funding. Rate range from as low as 10.75% APR up to 17.75% APR maximum (excludes discounts). Credit Union membership required with a minimum deposit of $5.00.
Last Updated 07/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.19%

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
Address 250 W Colorado Blvd, Arcadia, CA 91007
Phone 626-445-0950
Fax 626-445-8042
President Scott Petterson
CEO Mike Terzian
Full-Time Employees 107
Part-Time Employees 1
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+ (99/100)
Texas Ratio
1.19%
Return on Assets (ROA)
0.4692%
Return on Equity (ROE)
3.8570%
Non-Performing Loans Ratio (NPL)
0.22%
Total Assets
774,070,419
Total Amount of Shares and Deposits
650,942,751
Total Shares and Deposits < 1 Year
636,572,000
Total Shares and Deposits 1 3 Years
10,187,199
Total Shares and Deposits > 3 Years
4,183,552
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
40,680,892
Total Uninsured Shares and Deposits > $250K (F+J)
40,680,892
Total Insured Shares and Deposits > $250K (item 17 less item K)
610,261,859
Total Interest Expense (Sum of items 6 8)
9,211,520
Share Certificates
6,397
Number of Accounts for Share Drafts
26,770
IRA KEOGH Accounts
1,188
Number of Accounts for Regular Shares
42,940
Money Market Shares
1,586
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
40,566,265
Total Liabilities
686,243,773
Source: NCUA — Last Updated 09/30/2025

Customer 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 CD3.25%
  • 24-Month CD3.10%
  • 60-Month CD3.95%
  • Savings0.05%
  • MMA0.30%
Retrieved from our database of financial products. Rates subject to change.