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%, Savings: 1.30%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Gain Federal Credit Union

iAdvertiser Disclosure

Gain Federal Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Gain Federal Credit Union's top rates as of October 12, 2026 are 3.50% APY on its 30 Month Bump CD, 1.30% APY on savings, 1.00% APY on checking, 6.00% on its 5/6 ARM - Conforming mortgage, personal loans from 12.90% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. Other Gain Federal Credit Union CD rates include 18 Month Bump CD at 3.00%, 30 Month Bump CD at 3.00%, and 18 Month Bump CD at 2.75%. Other Gain Federal Credit Union mortgage rates include 15-Year Fixed - Conforming at 6.50%, 10-Year Fixed - Conforming at 6.50%, and 20-Year Fixed - Conforming at 6.62%. 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 10/12/2026.

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 Q2 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

Customer Reviews

Be the first to review

Write a Review

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 Balance: $50,000 and over; You can "bump" your certificate rate to a higher rate once during the term of your certificate. When rates increase on certificates corressponding in term and dollar amount to your certiciate, you can exercise your bump-up option to increase your rate. Rate will only be bumped at the written or oral request of the member. Doing so does not affect the term or maturity of your certificate. There is no penalty for exercising your bump-up option. It is your responsibility to contact the Credit Union for rate information. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 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 Balance: $50,000 and over; You can "bump" your certificate rate to a higher rate once during the term of your certificate. When rates increase on certificates corressponding in term and dollar amount to your certiciate, you can exercise your bump-up option to increase your rate. Rate will only be bumped at the written or oral request of the member. Doing so does not affect the term or maturity of your certificate. There is no penalty for exercising your bump-up option. It is your responsibility to contact the Credit Union for rate information. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 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 Balance: $25,000 - $49,999.99; You can "bump" your certificate rate to a higher rate once during the term of your certificate. When rates increase on certificates corressponding in term and dollar amount to your certiciate, you can exercise your bump-up option to increase your rate. Rate will only be bumped at the written or oral request of the member. Doing so does not affect the term or maturity of your certificate. There is no penalty for exercising your bump-up option. It is your responsibility to contact the Credit Union for rate information. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 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 Balance: $25,000 - $49,999.99; You can "bump" your certificate rate to a higher rate once during the term of your certificate. When rates increase on certificates corressponding in term and dollar amount to your certiciate, you can exercise your bump-up option to increase your rate. Rate will only be bumped at the written or oral request of the member. Doing so does not affect the term or maturity of your certificate. There is no penalty for exercising your bump-up option. It is your responsibility to contact the Credit Union for rate information. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 4 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 Balance: $1,000 - $24,999.99; You can "bump" your certificate rate to a higher rate once during the term of your certificate. When rates increase on certificates corressponding in term and dollar amount to your certiciate, you can exercise your bump-up option to increase your rate. Rate will only be bumped at the written or oral request of the member. Doing so does not affect the term or maturity of your certificate. There is no penalty for exercising your bump-up option. It is your responsibility to contact the Credit Union for rate information. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 4 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 Balance: $1,000 - $24,999.99; You can "bump" your certificate rate to a higher rate once during the term of your certificate. When rates increase on certificates corressponding in term and dollar amount to your certiciate, you can exercise your bump-up option to increase your rate. Rate will only be bumped at the written or oral request of the member. Doing so does not affect the term or maturity of your certificate. There is no penalty for exercising your bump-up option. It is your responsibility to contact the Credit Union for rate information. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 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 Two additional deposits and two withdrawals are allowed with no penalty per 12-month period. Deposits must be a minimum of $500 and not exceed amount of initial deposit certificate. Balance after withdrawals cannot fall below the minimum balance. Beyond two withdrawals, early withdrawal penalties will apply. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
24 Month Flexible IRA Certificate	2.472%	2.50%	24 months
Min Deposit $1,000 Details Two additional deposits and two withdrawals are allowed with no penalty per 12-month period. Deposits must be a minimum of $500 and not exceed amount of initial deposit certificate. Balance after withdrawals cannot fall below the minimum balance. Beyond two withdrawals, early withdrawal penalties will apply. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.50% APY 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 Two additional deposits and two withdrawals are allowed with no penalty per 12-month period. Deposits must be a minimum of $500 and not exceed amount of initial deposit certificate. Balance after withdrawals cannot fall below the minimum balance. Beyond two withdrawals, early withdrawal penalties will apply. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
12 Month Flexible IRA Certificate	2.227%	2.25%	12 months
Min Deposit $1,000 Details Two additional deposits and two withdrawals are allowed with no penalty per 12-month period. Deposits must be a minimum of $500 and not exceed amount of initial deposit certificate. Balance after withdrawals cannot fall below the minimum balance. Beyond two withdrawals, early withdrawal penalties will apply. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.25% APY 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 You must maintain a minimum daily balance of $25 with a maximum of $10,000 in the account to obtain the Annual Percentage Yield and to avoid closure. You may make additional deposits of any amount at any time during the term of your certificate. You may take one (1) penalty-free withdrawal during the term of the certificate. If you exceed the withdrawal limitations, your account will be subject to a penalty. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned, and unearned dividends with a maximum of 180. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.25% APY · checked 4 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 Deposit $25 Min Balance $25 Details Must set up a minimum $25.00 deposit to be automatically transferred into your certificate each month. Minimum $25.00 deposit required. Minimum $25.00 monthly deposit by Automate Clearing House (ACH), or other Credit Union initiated automatic transfer required. Additional deposits allowed in any amount at any time during the term. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%

Gain Federal Credit Union Savings Rates

Product	Rate	APY
Money Market Savings Account	1.292%	1.30%
Min Balance $100,000 Details Balance: $100,000 +; Annual Percentage Yield may change without prior notice. Minimum balance to open and ear APY is stated above. Dividends are calculated on actual daily balances, compounded daily and paid monthly into Money Markey Savings Account. Six withdrawals allowed per month. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Money Market Savings Account	0.995%	1.00%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99; Annual Percentage Yield may change without prior notice. Minimum balance to open and ear APY is stated above. Dividends are calculated on actual daily balances, compounded daily and paid monthly into Money Markey Savings Account. Six withdrawals allowed per month. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Money Market Savings Account	0.797%	0.80%
Min Balance $10,000 Details Balance: $10,000 to $49,999.99; Annual Percentage Yield may change without prior notice. Minimum balance to open and ear APY is stated above. Dividends are calculated on actual daily balances, compounded daily and paid monthly into Money Markey Savings Account. Six withdrawals allowed per month. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Money Market Savings Account	0.648%	0.65%
Min Balance $2,500 Details Balance: $2,500 to $9,999.99; Annual Percentage Yield may change without prior notice. Minimum balance to open and ear APY is stated above. Dividends are calculated on actual daily balances, compounded daily and paid monthly into Money Markey Savings Account. Six withdrawals allowed per month. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Individual Retirement Account (IRA) Savings	0.499%	0.50%
Min Balance $10,000 Details Balance: $10,000 - and above Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 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 Savings Account	1.292%	1.30%
Min Balance $100,000 Details Balance: $100,000 +; Annual Percentage Yield may change without prior notice. Minimum balance to open and ear APY is stated above. Dividends are calculated on actual daily balances, compounded daily and paid monthly into Money Markey Savings Account. Six withdrawals allowed per month. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Money Market Savings Account	0.995%	1.00%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99; Annual Percentage Yield may change without prior notice. Minimum balance to open and ear APY is stated above. Dividends are calculated on actual daily balances, compounded daily and paid monthly into Money Markey Savings Account. Six withdrawals allowed per month. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Money Market Savings Account	0.797%	0.80%
Min Balance $10,000 Details Balance: $10,000 to $49,999.99; Annual Percentage Yield may change without prior notice. Minimum balance to open and ear APY is stated above. Dividends are calculated on actual daily balances, compounded daily and paid monthly into Money Markey Savings Account. Six withdrawals allowed per month. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Money Market Savings Account	0.648%	0.65%
Min Balance $2,500 Details Balance: $2,500 to $9,999.99; Annual Percentage Yield may change without prior notice. Minimum balance to open and ear APY is stated above. Dividends are calculated on actual daily balances, compounded daily and paid monthly into Money Markey Savings Account. Six withdrawals allowed per month. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.65% APY · checked 2 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: 15 signature or PIN-based debit card transactions per month; $500.00 in Direct Deposit each month; eStatements (Online Banking required); active email address; use Online Bill Pay to pay at least 5 bills per month; Rates are subject to change without prior notice. Rates on savings, money market, and checking accounts are variable and may change after the account is opened. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%

Gain Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/6 ARM - Conforming	6.00%	2.000%	6.093%	5/6 years
Details Loan rates are based on term and applicant credit history. All loans are subject to credit approval, Loan-To-Value (LTV) requirements, and all other Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty. APR = Annual Percentage Rate. ARM = Adjustable Rate Mortgage. Adjustable Rate Mortgages are variable and the Annual Percentage Rate (APR) may increase after the initial fixed rate period. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
15-Year Fixed - Conforming	6.50%	0.000%	6.665%	15 years
Details Loan rates are based on term and applicant credit history. All loans are subject to credit approval, Loan-To-Value (LTV) requirements, and all other Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty. APR = Annual Percentage Rate. ARM = Adjustable Rate Mortgage. Adjustable Rate Mortgages are variable and the Annual Percentage Rate (APR) may increase after the initial fixed rate period. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.16% → 6.67% ▲ 0.51 pts · high 6.67% / low 6.16% Oct 4, 20266.67%▲ from 6.16% Sep 16, 20266.16%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%	10 years
Details Loan rates are based on term and applicant credit history. All loans are subject to credit approval, Loan-To-Value (LTV) requirements, and all other Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty. APR = Annual Percentage Rate. ARM = Adjustable Rate Mortgage. Adjustable Rate Mortgages are variable and the Annual Percentage Rate (APR) may increase after the initial fixed rate period. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.09% → 6.73% ▲ 0.64 pts · high 6.73% / low 6.09% Oct 4, 20266.73%▲ from 6.09% Sep 16, 20266.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
20-Year Fixed - Conforming	6.625%	0.000%	6.759%	20 years
Details Loan rates are based on term and applicant credit history. All loans are subject to credit approval, Loan-To-Value (LTV) requirements, and all other Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty. APR = Annual Percentage Rate. ARM = Adjustable Rate Mortgage. Adjustable Rate Mortgages are variable and the Annual Percentage Rate (APR) may increase after the initial fixed rate period. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.51% → 6.76% ▲ 0.25 pts · high 6.76% / low 6.51% Oct 4, 20266.76%▲ from 6.51% Sep 16, 20266.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
30-Year Fixed - Conforming	7.00%	0.000%	7.108%	30 years
Details Loan rates are based on term and applicant credit history. All loans are subject to credit approval, Loan-To-Value (LTV) requirements, and all other Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty. APR = Annual Percentage Rate. ARM = Adjustable Rate Mortgage. Adjustable Rate Mortgages are variable and the Annual Percentage Rate (APR) may increase after the initial fixed rate period. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.73% → 7.11% ▲ 0.38 pts · high 7.11% / low 6.73% Sep 25, 20267.11%▲ from 6.73% Sep 16, 20266.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
30-Year Fixed Conforming	-	-	7.108%	30-Year
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.73% → 7.11% ▲ 0.38 pts · high 7.11% / low 6.73% Sep 25, 20267.11%▲ from 6.73% Sep 16, 20266.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
30-Year Fixed - High Balance	7.625%	0.000%	7.928%	30 years
Details Loan rates are based on term and applicant credit history. All loans are subject to credit approval, Loan-To-Value (LTV) requirements, and all other Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty. APR = Annual Percentage Rate. ARM = Adjustable Rate Mortgage. Adjustable Rate Mortgages are variable and the Annual Percentage Rate (APR) may increase after the initial fixed rate period. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.16% → 7.93% ▲ 0.77 pts · high 7.93% / low 7.16% Oct 4, 20267.93%▲ from 7.16% Sep 16, 20267.16%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-year
Details Loan to Value (LTV): 80% or less; Amount Financed: $10,000 - $250,000; Lender Closing Costs: $0; Index is WSJ prime rate. Rate subject to change quarterly. Rate Caps - Floor rate of 3%, Maximum rate of 18.000% and no annual adjustment cap. Draw Period - 10 year draw period. After draw period ends, the repayment period begins (up to 15 years). Single Family Residence only. California, Arizona and Nevada only. Not all applicants will qualify. No prepayment penalty. The current non-introductory rate of 7.000% APR, which is accurate as of 10-12-2026 and is subject to change, is our best rate based on creditworthiness, credit score, and maximum combined loan-to-value (CLTV) of 80% and maximum loan amount of $150,000. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Express Home Equity Loan	-	Zero points	7.25%
Details No lender closing costs; Arizona, California and Nevada only Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.25% APR 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-year
Details Loan to Value (LTV): 80% or less; Amount Financed: $250,001 - $500,000; Lender Closing Costs: $0; Index is WSJ prime rate. Rate subject to change quarterly. Rate Caps - Floor rate of 3%, Maximum rate of 18.000% and no annual adjustment cap. Draw Period - 10 year draw period. After draw period ends, the repayment period begins (up to 15 years). Single Family Residence only. California, Arizona and Nevada only. Not all applicants will qualify. No prepayment penalty. Last Updated 10/12/2026 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%	15-year
Details Loan to Value (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 is WSJ prime rate. Rate subject to change quarterly. Rate Caps - Floor rate of 3%, Maximum rate of 18.000% and no annual adjustment cap. Draw Period - 10 year draw period. After draw period ends, the repayment period begins (up to 15 years). Single Family Residence only. California, Arizona and Nevada only. Not all applicants will qualify. No prepayment penalty. The minimum credit limit is $10,000 and the maximum is $100,000. Restrictions apply. See Credit Union for full details. Lender closing costs: Gain Federal Credit Union pays for flood certification, standard recording fees, title and appraisal. Member is required to pay for Sub-escrow of $160 (if required), and California's document recording surcharge fee of $150 to $225. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Sep 25, 20267.50%▲ from 7.25% Sep 16, 20267.25%first recorded 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 Loan	-	-	4.25%	24 months
Details No Payments for up to 90 Days; Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 3.99% → 4.25% ▲ 0.26 pts · high 4.25% / low 3.99% Oct 4, 20264.25%▲ from 3.99% Sep 16, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
New or Used Car, Truck, SUV, Van Loan	-	-	4.50%	36 months
Details No Payments for up to 90 Days; Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 4, 20264.50%▲ from 4.25% Sep 16, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
New or Used Car, Truck, SUV, Van Loan	-	-	4.75%	48 months
Details No Payments for up to 90 Days; Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available. Last Updated 10/12/2026 Rate History No change since Sep 16, 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 Loan	-	-	5.00%	60 months
Details No Payments for up to 90 Days; Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75% Oct 4, 20265.00%▲ from 4.75% Sep 16, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Car, Truck, SUV, Van - Fixed Rate for Vehicles Four to Nine Years Old	-	-	5.25%	24 Months
Details Rates advertised are best available for vehicles four to eight years old and with less than 180,000 miles. "As low as" rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. In some instances, we may require borrowers to purchase Guaranteed Asset Protection on new and used auto loans. No prepayment penalty. All loans are subject to Gain Federal Credit Union policies and procedures. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for auto loan. * Excluding Cargo vans and for Van Conversions please refer to RV Loan Rates. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
New or Used Car, Truck, SUV, Van Loan	-	-	5.25%	72 months
Details No Payments for up to 90 Days; Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 4.99% → 5.25% ▲ 0.26 pts · high 5.25% / low 4.99% Oct 4, 20265.25%▲ from 4.99% Sep 16, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Car, Truck, SUV, Van - Fixed Rate for Vehicles Four to Nine Years Old	-	-	5.50%	36 Months
Details Rates advertised are best available for vehicles four to eight years old and with less than 180,000 miles. "As low as" rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. In some instances, we may require borrowers to purchase Guaranteed Asset Protection on new and used auto loans. No prepayment penalty. All loans are subject to Gain Federal Credit Union policies and procedures. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for auto loan. * Excluding Cargo vans and for Van Conversions please refer to RV Loan Rates. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Car, Truck, SUV, Van - Fixed Rate for Vehicles Four to Nine Years Old	-	-	5.75%	48 Months
Details Rates advertised are best available for vehicles four to eight years old and with less than 180,000 miles. "As low as" rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. In some instances, we may require borrowers to purchase Guaranteed Asset Protection on new and used auto loans. No prepayment penalty. All loans are subject to Gain Federal Credit Union policies and procedures. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for auto loan. * Excluding Cargo vans and for Van Conversions please refer to RV Loan Rates. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
New or Used Car, Truck, SUV, Van Loan	-	-	5.75%	84 months
Details No Payments for up to 90 Days; Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Car, Truck, SUV, Van - Fixed Rate for Vehicles Four to Nine Years Old	-	-	6.00%	60 Months
Details Rates advertised are best available for vehicles four to eight years old and with less than 180,000 miles. "As low as" rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. In some instances, we may require borrowers to purchase Guaranteed Asset Protection on new and used auto loans. No prepayment penalty. All loans are subject to Gain Federal Credit Union policies and procedures. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for auto loan. * Excluding Cargo vans and for Van Conversions please refer to RV Loan Rates. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles (New to 5 years old) Loan	-	-	6.00%	Up to 24 months
Details New; Used Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Car, Truck, SUV, Van - Fixed Rate for Vehicles Four to Nine Years Old	-	-	6.50%	72 months
Details Rates advertised are best available for vehicles four to eight years old and with less than 180,000 miles. "As low as" rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. In some instances, we may require borrowers to purchase Guaranteed Asset Protection on new and used auto loans. No prepayment penalty. All loans are subject to Gain Federal Credit Union policies and procedures. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for auto loan. * Excluding Cargo vans and for Van Conversions please refer to RV Loan Rates. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles (New to 5 years old) Loan	-	-	6.50%	Up to 36 months
Details New; Used Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles (New to 5 years old) Loan	-	-	7.50%	Up to 48 months
Details New; Used Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles (New to 5 years old) Loan	-	-	8.00%	Up to 60 months
Details New; Used Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles (New to 5 years old) Loan	-	-	8.50%	Up to 72 months
Details New; Used Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Jump Start Auto Loan - New	-	-	12.00%	60 months
Details As low as; Rates advertised are best available for Jump Start program, vehicles seven years old and newer and with less than 100,000 miles. No prepayment penalty. "As low as" rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. In some instances, we may require borrowers to purchase Guaranteed Asset Protection on new and used auto loans. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Jump Start Auto Loan - Used	-	-	12.00%	60 months
Details As low as; Rates advertised are best available for Jump Start program, vehicles seven years old and newer and with less than 100,000 miles. No prepayment penalty. "As low as" rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. In some instances, we may require borrowers to purchase Guaranteed Asset Protection on new and used auto loans. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Jump Start Auto Loan - New	-	-	13.00%	72 months
Details As low as; Rates advertised are best available for Jump Start program, vehicles seven years old and newer and with less than 100,000 miles. No prepayment penalty. "As low as" rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. In some instances, we may require borrowers to purchase Guaranteed Asset Protection on new and used auto loans. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 13.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Jump Start Auto Loan - Used	-	-	13.00%	72 months
Details As low as; Rates advertised are best available for Jump Start program, vehicles seven years old and newer and with less than 100,000 miles. No prepayment penalty. "As low as" rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. In some instances, we may require borrowers to purchase Guaranteed Asset Protection on new and used auto loans. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 13.00% APR · checked 4 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
New RV Loan	-	6.49%
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Recreational Vehicle - Fixed Rate	-	6.49%	24 to 48 months
Details New; As low as Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Used RV Loan	-	6.49%	24 to 48 months
Details As low as; Rates advertised are best available for vehicles seven years old or newer and with less than 100,000 miles. "As low as" rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. No prepayment penalty. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.49% APR · checked 5 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 New; As low as Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Used RV Loan	-	7.49%	49 to 84 months
Details As low as; Rates advertised are best available for vehicles seven years old or newer and with less than 100,000 miles. "As low as" rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. No prepayment penalty. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.49% APR · checked 5 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 New; As low as Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Used RV Loan	-	8.49%	85 to 120 months
Details As low as; Rates advertised are best available for vehicles seven years old or newer and with less than 100,000 miles. "As low as" rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. No prepayment penalty. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.49% APR · checked 5 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 Actual rate may be higher depending upon applicant's credit rating and other underwriting factors. No prepayment penalty. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.77%
Secured Mastercard	-	10.90%
Details Actual rate may be higher depending upon applicant's credit rating and other underwriting factors. No prepayment penalty. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.90% APR · checked 5 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%; Intro rate expires: 6 months; Regular APR: 12.50% to 17.75% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. The APR for Cash Advances and Balance Transfers will be 12.50% to 17.75% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. The minimum credit limit is $5,000 and the maximum is $25,000. Maximum rate is 17.75% APR. Refer to the "Mastercard Application and Solicitation Disclosure" and the "Mastercard Agreement" for more information. No prepayment penalty. Certain restrictions apply. Subject to credit approval. Offer may end at any time. Last Updated 10/12/2026 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	View More
Personal Line of Credit	12.90%	Open-ended
Details As low as; "As low as" rate listed above is our best rate based on approved credit. Actual rate may be higher depending upon applicant's credit rating and other underwriting factors. Line of Credit minimum monthly payment is based on an amortization of up to 60 months. A typical $2,000 Line of Credit financed at 12.90% would result in a monthly payment of $45.42. No prepayment penalty. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.90% APR · checked 5 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

Q2 2026 MBR Health & Safety Badge

Gain Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/gain-federal-credit-union-rates-review-3943">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Gain Federal Credit Union

Frequently Asked Questions About Gain Federal Credit Union

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.

Current Gain Federal Credit Union Rates

12-Month CD2.00%
18-Month CD2.50%
24-Month CD2.50%
Savings1.30%

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

Compare to Other Credit Unions

Gain Federal Credit Union Rates & Review October 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

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?

Current Gain Federal Credit Union Rates

Compare to Other Credit Unions