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Gain Federal Credit Union

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Gain Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Gain Federal Credit Union?

Current rates for Gain Federal Credit Union include: 12-Month CD: 2.00%, 18-Month CD: 2.50%, 24-Month CD: 2.50%, 60-Month CD: 3.25%, Savings: 0.50%, MMA: 1.30%

Q: What CD terms does Gain Federal Credit Union offer?

Gain Federal Credit Union CD rates are 3.35% APY for a 12 month CD, 2.50% APY for an 18 month CD, 3.20% APY for a 2 year CD, 3.25% APY for a 3 year CD, 3.35% APY for a 4 year CD and 3.40% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Gain Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Gain Federal Credit Union's 60 Month CD rates are at 3.40%, 12 Month CD rates are at 3.35%, 48 Month CD rates are at 3.35%, 36 Month CD rates are at 3.25%, 24 Month CD rates are at 3.20%. Gain Federal Credit Union's savings rates are at 0.50%. Gain Federal Credit Union's money market rates are at 1.30%. Gain Federal Credit Union's checking rates are as high as 1.00%. Gain Federal Credit Union's 5/6 ARM - Conforming rates are at 6.50%, 10-Year Fixed - Conforming rates are at 6.50%, 15-Year Fixed - Conforming rates are at 6.75%, 20-Year Fixed - Conforming rates are at 7.00%, 30-Year Fixed - Conforming rates are at 7.25%. Gain Federal Credit Union's Personal Loan Rates are as low as 11.99%. Gain Federal Credit Union's Credit Card Rates are at 10.90%. Gain Federal Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Gain Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.77%. Rates last updated and verified on 10/28/2026.

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

2.77%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Gain Federal Credit Union
1800 W. Magnolia Blvd

1800 W Magnolia Blvd
Burbank, CA 91506-1726

https://www.gainfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Gain Federal Credit Union CD Rates

Product	Rate	APY	Term
30 Month Bump Certificate	3.445%	3.50%	30 months
Min Balance $50,000 Details Bump-up option: rate may be raised once during term at member request; Effective 05/08/2023 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
60 Month Certificate	3.348%	3.40%	60 months
Min Balance $100,000 Details Balance: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
12 Month Certificate	3.30%	3.35%	12 months
Min Balance $100,000 Details Balance: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
48 Month Certificate	3.30%	3.35%	48 months
Min Balance $100,000 Details Balance: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
60 Month Certificate	3.251%	3.30%	60 months
Min Balance $50,000 Details Balance: $50,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
12 Month Certificate	3.203%	3.25%	12 months
Min Balance $50,000 Details Balance: $50,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
36 Month Certificate	3.203%	3.25%	36 months
Min Balance $100,000 Details Balance: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
48 Month Certificate	3.203%	3.25%	48 months
Min Balance $50,000 Details Balance: $50,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
60 Month Certificate	3.203%	3.25%	60 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
60 Month Certificate	3.203%	3.25%	60 months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
24 Month Certificate	3.154%	3.20%	24 months
Min Balance $100,000 Details Balance: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
36 Month Certificate	3.154%	3.20%	36 months
Min Balance $50,000 Details Balance: $50,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
48 Month Certificate	3.154%	3.20%	48 months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
6 Month Certificate	3.154%	3.20%	6 months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
24 Month Certificate	3.105%	3.15%	24 months
Min Balance $50,000 Details Balance: $50,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
36 Month Certificate	3.105%	3.15%	36 months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
48 Month Certificate	3.105%	3.15%	48 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
6 Month Certificate	3.105%	3.15%	6 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
12 Month Certificate	3.057%	3.10%	12 months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
12 Month Certificate	3.008%	3.05%	12 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
24 Month Certificate	3.008%	3.05%	24 months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
36 Month Certificate	3.008%	3.05%	36 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
18 Month Bump Certificate	2.96%	3.00%	18 months
Min Balance $50,000 Details Bump-up option: rate may be raised once during term at member request; Effective 05/08/2023 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
24 Month Certificate	2.96%	3.00%	24 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
30 Month Bump Certificate	2.96%	3.00%	30 months
Min Balance $25,000 Details Bump-up option: rate may be raised once during term at member request; Effective 05/08/2023 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
18 Month Bump Certificate	2.716%	2.75%	18 months
Min Balance $25,000 Details Bump-up option: rate may be raised once during term at member request; Effective 05/08/2023 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
30 Month Bump Certificate	2.716%	2.75%	30 months
Min Balance $1,000 Details Bump-up option: rate may be raised once during term at member request; Effective 05/08/2023 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
18 Month Bump Certificate	2.472%	2.50%	18 months
Min Balance $1,000 Details Bump-up option: rate may be raised once during term at member request; Effective 05/08/2023 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
24 Month Flexible Certificate	2.472%	2.50%	24 months
Min Deposit $1,000 Details Effective 05/08/2023; shared schedule with Flexible IRA Certificate; two additional deposits and two withdrawals allowed with no penalty per 12-month period Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
12 Month Flexible Certificate	2.227%	2.25%	12 months
Min Deposit $1,000 Details Effective 05/08/2023; shared schedule with Flexible IRA Certificate; two additional deposits and two withdrawals allowed with no penalty per 12-month period Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Level Up 12-Month Certificate	2.227%	2.25%	12 months
Min Deposit $25 Min Balance $25 Details Effective 06/24/2025; Dividend Rate 2.227%; must maintain minimum daily balance of $25 with maximum of $10,000 to obtain APY; one penalty-free withdrawal during term Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
12 Month Savings Plus Certificate	1.982%	2.00%	12 months
Min Balance $25 Details Effective 05/08/2023; Must set up minimum $25.00 monthly ACH deposit to be automatically transferred into certificate Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%

Gain Federal Credit Union Savings Rates

Product	Rate	APY
Individual Retirement Account (IRA) Savings	0.499%	0.50%
Min Balance $10,000 Details Balance: $10,000 - and above; Effective 01/01/2023; A penalty may be imposed for early withdrawal. Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Individual Retirement Account (IRA) Savings	0.25%	0.25%
Min Balance $0 Details Balance: $0 - $9,999; Effective 01/01/2023; A penalty may be imposed for early withdrawal. Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Savings Account	0.15%	0.15%
Min Deposit $5 Min Balance $100 Details Balance: $100 and above; Rates on savings, money market, and checking accounts are variable and may change after the account is opened. Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Savings Account	0.00%	0.00%
Min Deposit $5 Min Balance $0 Details Balance: $0 - $99; Minimum Balance to Earn Dividends: $100.00; Rates on savings, money market, and checking accounts are variable and may change after the account is opened. Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%

Gain Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.292%	1.30%
Min Balance $100,000 Details Balance: $100,000 +; Six withdrawals allowed per month; Effective 12/01/2025 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Money Market	0.995%	1.00%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99; Six withdrawals allowed per month; Effective 12/01/2025 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Money Market	0.797%	0.80%
Min Balance $10,000 Details Balance: $10,000 to $49,999.99; Six withdrawals allowed per month; Effective 12/01/2025 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Money Market	0.648%	0.65%
Min Balance $2,500 Details Balance: $2,500 to $9,999.99; Six withdrawals allowed per month; Effective 12/01/2025 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%

Gain Federal Credit Union Checking Rates

Product	Rate	APY	View More
Better Checking	0.995%	1.00%
Min Deposit $0 Details Qualifications Required; Qualifying balance up to $10,000.00; Effective 02/01/2021 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%

Gain Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
5/6 ARM - Conforming	6.50%	2.000%	6.60%
Details As Low As; Effective 10/15/2026; Adjustable Rate Mortgage; APR may increase after the initial fixed rate period; No prepayment penalty Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 6.09% → 6.60% ▲ 0.51 pts · high 6.60% / low 6.09% Oct 23, 20266.60%▲ from 6.09% Oct 15, 20266.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
10-Year Fixed - Conforming	6.50%	0.000%	6.733%
Details As Low As; Effective 10/15/2026; Loan rates are based on term and applicant credit history; No prepayment penalty Last Updated 10/28/2026 Rate History No change since Oct 19, 2026 · 6.73% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
15-Year Fixed - Conforming	6.75%	0.000%	6.92%
Details As Low As; Effective 10/15/2026; Loan rates are based on term and applicant credit history; No prepayment penalty Last Updated 10/28/2026 Rate History 1 change since Oct 19, 2026 · 6.67% → 6.92% ▲ 0.25 pts · high 6.92% / low 6.67% Oct 23, 20266.92%▲ from 6.67% Oct 19, 20266.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
20-Year Fixed - Conforming	7.00%	0.000%	7.14%
Details As Low As; Effective 10/15/2026; Loan rates are based on term and applicant credit history; No prepayment penalty Last Updated 10/28/2026 Rate History 1 change since Oct 19, 2026 · 6.76% → 7.14% ▲ 0.38 pts · high 7.14% / low 6.76% Oct 23, 20267.14%▲ from 6.76% Oct 19, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
30-Year Fixed - Conforming	7.25%	0.000%	7.361%
Details As Low As; Effective 10/15/2026; Loan rates are based on term and applicant credit history; No prepayment penalty Last Updated 10/28/2026 Rate History 1 change since Oct 19, 2026 · 7.11% → 7.36% ▲ 0.25 pts · high 7.36% / low 7.11% Oct 23, 20267.36%▲ from 7.11% Oct 19, 20267.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
30-Year Fixed - High Balance	7.75%	0.000%	8.056%
Details As Low As; Effective 10/15/2026; Loan rates are based on term and applicant credit history; No prepayment penalty Last Updated 10/28/2026 Rate History 1 change since Oct 19, 2026 · 7.93% → 8.06% ▲ 0.13 pts · high 8.06% / low 7.93% Oct 23, 20268.06%▲ from 7.93% Oct 19, 20267.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%

Gain Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Gain Advantage Home Equity Line of Credit - Variable Rate - Owner Occupied	-	-	7.00%	15 years
Details As Low As; Intro APR for first 6 months; Standard APR As Low As: 7.000%; Maximum APR: 18.000%; Margin: 0.000% to 3.500%; LTV: 80% or less; Amount Financed: $10,000 - $250,000; Lender Closing Costs: $0; Draw period 10 years; Index: WSJ Prime; Single Family Residence only; California, Arizona and Nevada only Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Express Home Equity Loan - Fixed Rate - Owner Occupied	-	-	7.25%	60 months
Details As Low As; Amount: Up to $250,000; Lender closing costs: $0; Effective 01/16/2024; Single Family Residence Only; California, Arizona, and Nevada Only; 80% LTV or less for loan amounts up to $150,000; Maximum rate 16.00% Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Gain Advantage Home Equity Line of Credit - Variable Rate - Owner Occupied	-	-	7.25%	15 years
Details As Low As; Intro APR for first 6 months; Standard APR As Low As: 7.250%; Maximum APR: 18.000%; Margin: 0.250% to 1.500%; LTV: 80% or less; Amount Financed: $250,001 - $500,000; Lender Closing Costs: $0; Draw period 10 years; Index: WSJ Prime; Single Family Residence only; California, Arizona and Nevada only Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Sep 25, 20267.25%▲ from 7.00% Sep 16, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Gain Advantage Home Equity Line of Credit - Variable Rate - Non-Owner Occupied	-	-	7.50%
Details As Low As; LTV: 80% or less; Margin: 0.500% to 1.250%; Maximum APR: 18.000%; Amount Financed: Up to $100,000; Lender Closing Costs: $0; Index: WSJ prime rate; Floor rate 3%; 15-year term with 10-year draw period Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%

Gain Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New or Used Car, Truck, SUV, Van - Fixed Rate for Vehicles Up to Three Years Old	-	-	4.25%	24 months
Details As Low As; Standard APR; Effective 10/01/2026; No Payments for up to 90 Days available; Vehicles up to three years old Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
New or Used Car, Truck, SUV, Van - Fixed Rate for Vehicles Up to Three Years Old	-	-	4.50%	36 months
Details As Low As; Standard APR; Effective 10/01/2026; No Payments for up to 90 Days available; Vehicles up to three years old Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
New or Used Car, Truck, SUV, Van - Fixed Rate for Vehicles Up to Three Years Old	-	-	4.75%	48 months
Details As Low As; Standard APR; Effective 10/01/2026; No Payments for up to 90 Days available; Vehicles up to three years old Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
New or Used Car, Truck, SUV, Van - Fixed Rate for Vehicles Up to Three Years Old	-	-	5.00%	60 months
Details As Low As; Standard APR; Effective 10/01/2026; No Payments for up to 90 Days available; Vehicles up to three years old Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Car, Truck, SUV, Van - Four to Nine Years Old Loan	-	-	5.25%	24 Months
Details As Low As; Vehicles four to nine years old; Effective 10/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
New or Used Car, Truck, SUV, Van - Fixed Rate for Vehicles Up to Three Years Old	-	-	5.25%	72 months
Details As Low As; Standard APR; Effective 10/01/2026; No Payments for up to 90 Days available; Vehicles up to three years old Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Car, Truck, SUV, Van - Four to Nine Years Old Loan	-	-	5.50%	36 Months
Details As Low As; Vehicles four to nine years old; Effective 10/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Car, Truck, SUV, Van - Four to Nine Years Old Loan	-	-	5.75%	48 Months
Details As Low As; Vehicles four to nine years old; Effective 10/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
New or Used Car, Truck, SUV, Van - Fixed Rate for Vehicles Up to Three Years Old	-	-	5.75%	84 months
Details As Low As; Standard APR; Effective 10/01/2026; No Payments for up to 90 Days available; Vehicles up to three years old Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Car, Truck, SUV, Van - Four to Nine Years Old Loan	-	-	6.00%	60 Months
Details As Low As; Vehicles four to nine years old; Effective 10/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles - New Loan	-	-	6.00%	Up to 24 months
Details As Low As; New; Vehicles New to 5 years old; Effective 01/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles - Used Loan	-	-	6.00%	Up to 24 months
Details As Low As; Used; Vehicles New to 5 years old; Effective 01/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Car, Truck, SUV, Van - Four to Nine Years Old Loan	-	-	6.50%	72 months
Details As Low As; Vehicles four to nine years old; Effective 10/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles - New Loan	-	-	6.50%	Up to 36 months
Details As Low As; New; Vehicles New to 5 years old; Effective 01/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles - Used Loan	-	-	6.50%	Up to 36 months
Details As Low As; Used; Vehicles New to 5 years old; Effective 01/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles - New Loan	-	-	7.50%	Up to 48 months
Details As Low As; New; Vehicles New to 5 years old; Effective 01/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles - Used Loan	-	-	7.50%	Up to 48 months
Details As Low As; Used; Vehicles New to 5 years old; Effective 01/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles - New Loan	-	-	8.00%	Up to 60 months
Details As Low As; New; Vehicles New to 5 years old; Effective 01/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles - Used Loan	-	-	8.00%	Up to 60 months
Details As Low As; Used; Vehicles New to 5 years old; Effective 01/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles - New Loan	-	-	8.50%	Up to 72 months
Details As Low As; New; Vehicles New to 5 years old; Effective 01/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles - Used Loan	-	-	8.50%	Up to 72 months
Details As Low As; Used; Vehicles New to 5 years old; Effective 01/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
JumpStart Auto Loan - New Vehicle	-	-	12.00%	60 months
Details As Low As; Fixed Rate; Jump Start program, vehicles seven years old and newer with less than 100,000 miles; No prepayment penalty Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
JumpStart Auto Loan - Used Vehicle	-	-	12.00%	60 months
Details As Low As; Fixed Rate; Jump Start program, vehicles seven years old and newer with less than 100,000 miles; No prepayment penalty Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
JumpStart Auto Loan - New Vehicle	-	-	13.00%	72 months
Details As Low As; Fixed Rate; Jump Start program, vehicles seven years old and newer with less than 100,000 miles; No prepayment penalty Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 13.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
JumpStart Auto Loan - Used Vehicle	-	-	13.00%	72 months
Details As Low As; Fixed Rate; Jump Start program, vehicles seven years old and newer with less than 100,000 miles; No prepayment penalty Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 13.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%

Gain Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle - Fixed Rate	-	6.49%	24 to 48 months
Details As Low As; New; Effective 01/01/2026; Up to 125% MSRP/NADA for RVs 2020 and newer; APR = Annual Percentage Rate Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Recreational Vehicle Loan - New	-	6.49%	24 to 48 months
Details As Low As; Fixed rate; Effective 01/01/2026; Up to 125% MSRP/NADA Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Recreational Vehicle Loan - Used	-	6.49%	24 to 48 months
Details As Low As; Fixed rate; Effective 01/01/2026; Up to 125% MSRP/NADA; Used RVs must be seven years old or newer and not exceed 100,000 miles Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Recreational Vehicle - Fixed Rate	-	7.49%	49 to 84 months
Details As Low As; New; Effective 01/01/2026; Up to 125% MSRP/NADA for RVs 2020 and newer; APR = Annual Percentage Rate Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Recreational Vehicle Loan - New	-	7.49%	49 to 84 months
Details As Low As; Fixed rate; Effective 01/01/2026; Up to 125% MSRP/NADA Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Recreational Vehicle Loan - Used	-	7.49%	49 to 84 months
Details As Low As; Fixed rate; Effective 01/01/2026; Up to 125% MSRP/NADA; Used RVs must be seven years old or newer and not exceed 100,000 miles Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Recreational Vehicle - Fixed Rate	-	8.49%	85 to 120 months
Details As Low As; New; Effective 01/01/2026; Up to 125% MSRP/NADA for RVs 2020 and newer; APR = Annual Percentage Rate Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Recreational Vehicle Loan - New	-	8.49%	85 to 120 months
Details As Low As; Fixed rate; Effective 01/01/2026; Up to 125% MSRP/NADA Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Recreational Vehicle Loan - Used	-	8.49%	85 to 120 months
Details As Low As; Fixed rate; Effective 01/01/2026; Up to 125% MSRP/NADA; Used RVs must be seven years old or newer and not exceed 100,000 miles Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%

Gain Federal Credit Union Credit Card Rates

Product	Rate	APR
Classic Mastercard	-	10.90%
Details As Low As; Maximum APR: 18.00% Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 10.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Secured Mastercard	-	10.90%
Details As Low As; Maximum APR: 18.00% Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 10.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Platinum Rewards Mastercard	-	12.50%
Details Intro/promo APR: 1.99%; As Low As; Intro rate expires: six (6) billing cycles; Regular APR: 12.50% - 17.75%; Maximum APR: 17.75%; Intro rate is for purchases only; Maximum APR 1.99% (introductory) Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 12.25% → 12.50% ▲ 0.25 pts · high 12.50% / low 12.25% Sep 25, 202612.50%▲ from 12.25% Sep 16, 202612.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%

Gain Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	11.99%	Up to 60 months
Details As Low As; Effective 01/01/2026; Loan rates are based on term and applicant credit history; No prepayment penalty Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Personal Line of Credit	12.90%	Open-ended
Details As Low As; Line of Credit minimum monthly payment based on amortization of up to 60 months; No prepayment penalty Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 12.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Gain Federal Credit Union’s Texas Ratio rose from 1.93% in Q3 2023 to 2.77% in Q2 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
June 30, 2026	$454M	2.77%	5.0	A+
March 31, 2026	$439M	2.23%	5.0	A+
December 31, 2025	$442M	2.04%	5.0	A+
September 30, 2025	$429M	2.03%	5.0	A+
June 30, 2025	$438M	2.23%	5.0	A+
March 31, 2025	$440M	1.60%	5.0	A+
December 31, 2024	$433M	3.02%	5.0	A+
September 30, 2024	$438M	2.31%	5.0	A+
June 30, 2024	$432M	0.46%	5.0	A+
March 31, 2024	$438M	0.28%	5.0	A+
December 31, 2023	$440M	0.44%	5.0	A+
September 30, 2023	$447M	1.93%	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 Gain 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 Gain 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 Gain Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Gain Federal Credit Union

Website https://www.gainfcu.com

Address 1800 W Magnolia Blvd, Burbank, CA 91506-1726

Phone 818-846-1710

Fax 818-848-1526

President Peggy Peters

CEO Darin Guggenheimer

Full-Time Employees 66

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

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

2.77%

Return on Assets (ROA)

0.0426%

Return on Equity (ROE)

0.5233%

Non-Performing Loans Ratio (NPL)

0.44%

Total Assets

453,996,333

Total Amount of Shares and Deposits

424,124,154

Total Shares and Deposits < 1 Year

409,080,256

Total Shares and Deposits 1 3 Years

12,635,704

Total Shares and Deposits > 3 Years

2,408,195

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

44,776,709

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

44,776,709

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

379,347,445

Total Interest Expense (Sum of items 6 8)

2,224,654

Share Certificates

1,574

Number of Accounts for Share Drafts

16,260

IRA KEOGH Accounts

815

Number of Accounts for Regular Shares

27,328

Money Market Shares

1,093

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)

78,981,922

Total Liabilities

427,912,482

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Gain Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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

Customer Reviews

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Frequently Asked Questions About Gain Federal Credit Union

Does Gain Federal Credit Union offer CDs?

Yes. Gain Federal Credit Union current CD rates include its 60 Month CD at 3.40% APY, its 12 Month CD at 3.35% APY and its 48 Month CD at 3.35% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Gain Federal Credit Union NCUA insured?

Yes. Gain Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Gain Federal Credit Union?

The highest Gain Federal Credit Union CD rate is its 30 Month Bump CD at 3.50% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Gain Federal Credit Union offer?

Gain Federal Credit Union CD rates are 3.35% APY for a 12 month CD, 2.50% APY for an 18 month CD, 3.20% APY for a 2 year CD, 3.25% APY for a 3 year CD, 3.35% APY for a 4 year CD and 3.40% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Gain Federal Credit Union for its full lineup.

What is the highest savings rate at Gain Federal Credit Union?

The highest Gain Federal Credit Union savings rate is its Individual Retirement Account (IRA) Savings at 0.50% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Gain Federal Credit Union?

The highest Gain Federal Credit Union money market rate is its Money Market at 1.30% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Gain Federal Credit Union?

The highest Gain Federal Credit Union checking rate is its Better Checking at 1.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest 30 year fixed mortgage rate at Gain Federal Credit Union?

The lowest Gain Federal Credit Union 30 year fixed mortgage rate is its 30-Year Fixed - Conforming at 7.25%, verified by MonitorBankRates as of October 28, 2026. Gain Federal Credit Union mortgage rates are 7.25% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.75% for a 15 year mortgage, 6.50% for a 10 year mortgage and 6.50% for a 5/6 ARM.

What is the lowest auto loan rate at Gain Federal Credit Union?

The lowest Gain Federal Credit Union auto loan rate is its Car, Truck, SUV, Van - Four to Nine Years Old Loan at 5.25% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Gain Federal Credit Union?

The lowest Gain Federal Credit Union personal loan rate is its Personal Loan at 11.99% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Gain Federal Credit Union?

The lowest Gain Federal Credit Union credit card APR is its Classic Mastercard Credit Card at 10.90% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Gain Federal Credit Union operate?

Gain 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 Gain Federal Credit Union?

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

Does Gain Federal Credit Union offer online and mobile banking?

Most modern institutions like Gain 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.gainfcu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Gain Federal Credit Union rates compare?

Gain Federal Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A+ health rating. Gain Federal Credit Union's top rates are its 30 Month Bump CD at 3.50% APY, its Individual Retirement Account (IRA) Savings at 0.50% APY, its Money Market at 1.30% APY, its Better Checking at 1.00% APY, its 5/6 ARM - Conforming at 6.50%, its Personal Loan at 11.99% APR and its Classic Mastercard Credit Card at 10.90% APR, verified by MonitorBankRates on October 28, 2026.

Current Gain Federal Credit Union Rates

12-Month CD2.00%
18-Month CD2.50%
24-Month CD2.50%
60-Month CD3.25%
Savings0.50%
MMA1.30%

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

Compare to Other Credit Unions

Gain Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Gain Federal Credit Union Texas Ratio

Gain Federal Credit Union Health Trend

Gain Federal Credit Union CD Rates

Gain Federal Credit Union Savings Rates

Gain Federal Credit Union Money Market Rates

Gain Federal Credit Union Checking Rates

Gain Federal Credit Union Mortgage Rates

Gain Federal Credit Union Home Equity & HELOC

Gain Federal Credit Union Auto Loan Rates

Gain Federal Credit Union RV, Boat and Powersport Loan Rates

Gain Federal Credit Union Credit Card Rates

Gain Federal Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Gain Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Gain Federal Credit Union

Does Gain Federal Credit Union offer CDs?

Are CDs from Gain Federal Credit Union NCUA insured?

What is the highest CD rate at Gain Federal Credit Union?

What CD terms does Gain Federal Credit Union offer?

What is the highest savings rate at Gain Federal Credit Union?

What is the highest money market rate at Gain Federal Credit Union?

What is the highest checking rate at Gain Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at Gain Federal Credit Union?

What is the lowest auto loan rate at Gain Federal Credit Union?

What is the lowest personal loan rate at Gain Federal Credit Union?

What is the lowest credit card APR at Gain Federal Credit Union?

How many branches does Gain Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Gain Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Gain Federal Credit Union rates compare?

Current Gain Federal Credit Union Rates

Compare to Other Credit Unions