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Gain Federal Credit Union

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Gain Federal Credit Union Rates & Review September 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: September 23, 2026

Gain Federal Credit Union's 5/6 ARM - Conforming rates are at 5.75%, 10-Year Fixed - Conforming rates are at 5.88%, 15-Year Fixed - Conforming rates are at 6.00%, 20-Year Fixed - Conforming rates are at 6.38%, 30-Year Fixed - Conforming rates are at 6.62%. Gain Federal Credit Union's Personal Loan Rates are as low as 12.90%. Gain Federal Credit Union's Credit Card Rates are at 10.90%. 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 2.23%. Rates last updated and verified on 09/23/2026.

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

2.23%

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

Gain Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/6 ARM - Conforming	5.75%	1.000%	5.84%	5/6 ARM
Details 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
10-Year Fixed - Conforming	5.88%	0.000%	6.09%	10 Year Fixed
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
15-Year Fixed - Conforming	6.00%	0.000%	6.16%	15 Year Fixed
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
20-Year Fixed - Conforming	6.38%	0.000%	6.51%	20 Year Fixed
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
30-Year Fixed - Conforming	6.63%	0.000%	6.73%	30 Year Fixed
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
30-Year Fixed Conforming	-	-	6.73%	30-Year
Details As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
30-Year Fixed - High Balance	6.88%	0.000%	7.16%	30 Year Fixed
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%

Gain Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Mortgage & Home Equity Rates - Home Equity 5/6 ARM - Conforming	5.75%	1.000%	5.84%	5/6 ARM
Details 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Home Equity 10-Year Fixed - Conforming	5.88%	0.000%	6.09%	10 Year Fixed
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Home Equity 15-Year Fixed - Conforming	6.00%	0.000%	6.16%	15 Year Fixed
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Home Equity 20-Year Fixed - Conforming	6.38%	0.000%	6.51%	20 Year Fixed
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Home Equity 30-Year Fixed - Conforming	6.63%	0.000%	6.73%	30 Year Fixed
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Gain Advantage Home Equity Line of Credit - Variable Rate - Owner Occupied	-	-	6.75%	15-year term
Details Loan to Value (LTV): 80% or less; Margin: 0.000% to 3.500%; 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Gain Advantage Home Equity Line of Credit - Variable Rate - Owner Occupied	-	-	7.00%	15-year term
Details Loan to Value (LTV): 80% or less; Margin: 0.250% to 1.500%; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Home Equity 30-Year Fixed - High Balance	6.88%	0.000%	7.16%	30 Year Fixed
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Express Home Equity Loan - Fixed Rate - Owner Occupied	-	-	7.25%	60 months
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.; California, Arizona, and Nevada Only; Single Family Residence Only; Not all applicants will qualify. No prepayment penalty. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Gain Advantage Home Equity Line of Credit - Variable Rate - Non-Owner Occupied	-	-	7.25%	15-year term
Details Loan to Value (LTV): 80% or less; Margin: 0.500% to 1.250%; Amount Financed: Up to $100,000; Lender Closing Costs: $0; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%

Gain Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New or Used Car, Truck, SUV, Van Loan	-	-	3.99%	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. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
New or Used Car, Truck, SUV, Van Loan	-	-	4.25%	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. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
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. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
New or Used Car, Truck, SUV, Van Loan	-	-	4.75%	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. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Car, Truck, SUV, Van Loan	-	-	4.99%	24 Months
Details As Low As; Rates advertised are best available for vehicles four to eight years old and with less than 180,000 miles. 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
New or Used Car, Truck, SUV, Van Loan	-	-	4.99%	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. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Car, Truck, SUV, Van Loan	-	-	5.25%	36 Months
Details As Low As; Rates advertised are best available for vehicles four to eight years old and with less than 180,000 miles. 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Car, Truck, SUV, Van Loan	-	-	5.49%	48 Months
Details As Low As; Rates advertised are best available for vehicles four to eight years old and with less than 180,000 miles. 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Car, Truck, SUV, Van Loan	-	-	5.49%	60 Months
Details As Low As; Rates advertised are best available for vehicles four to eight years old and with less than 180,000 miles. 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
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. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Car, Truck, SUV, Van Loan	-	-	5.99%	72 months
Details As Low As; Rates advertised are best available for vehicles four to eight years old and with less than 180,000 miles. 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles (New to 5 years old) - Up to 24 months Loan	-	-	6.00%	Up to 24 months
Details New; Used; As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles (New to 5 years old) - Up to 36 months Loan	-	-	6.50%	Up to 36 months
Details New; Used; As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles (New to 5 years old) - Up to 48 months Loan	-	-	7.50%	Up to 48 months
Details New; Used; As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles (New to 5 years old) - Up to 60 months Loan	-	-	8.00%	Up to 60 months
Details New; Used; As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles (New to 5 years old) - Up to 72 months Loan	-	-	8.50%	Up to 72 months
Details New; Used; As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Jump Start Auto Loan - New	-	-	12.00%	60 months
Details As low as; Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Jump Start Auto Loan - Used	-	-	12.00%	60 months
Details As low as; Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Jump Start Auto Loan - New	-	-	13.00%	72 months
Details As low as; Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Jump Start Auto Loan - Used	-	-	13.00%	72 months
Details As low as; Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%

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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used RV Loan	-	6.49%	24 to 48 months
Details As low as; Used RVs must be seven years old or newer and not to exceed 100,000 miles. 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used RV Loan	-	7.49%	49 to 84 months
Details As low as; Used RVs must be seven years old or newer and not to exceed 100,000 miles. 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Used RV Loan	-	8.49%	85 to 120 months
Details As low as; Used RVs must be seven years old or newer and not to exceed 100,000 miles. 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%

Gain Federal Credit Union Credit Card Rates

Product	Rate	APR
Classic Mastercard	-	10.90%
Details Regular APR: 18.00% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Secured Mastercard	-	10.90%
Details Regular APR: 18.00% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%
Platinum Rewards Mastercard	-	12.25%
Details Intro/promo APR: 1.99%; Intro rate expires: 6 billing cycles; Regular APR: 12.25% to 17.50% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%

Gain Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Line of Credit	12.90%	Open-ended
Details 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. APR = Annual Percentage Rate Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.23%

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 stayed near 1.74% in Q2 2023 to 2.23% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$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+
June 30, 2023	$461M	1.74%	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 Joseph Terisgni

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

2.23%

Return on Assets (ROA)

0.0175%

Return on Equity (ROE)

0.2093%

Non-Performing Loans Ratio (NPL)

0.35%

Total Assets

439,328,634

Total Amount of Shares and Deposits

409,985,090

Total Shares and Deposits < 1 Year

395,575,967

Total Shares and Deposits 1 3 Years

11,344,412

Total Shares and Deposits > 3 Years

3,064,712

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

27,616,021

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

27,616,021

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

382,369,069

Total Interest Expense (Sum of items 6 8)

1,075,035

Share Certificates

1,555

Number of Accounts for Share Drafts

16,204

IRA KEOGH Accounts

829

Number of Accounts for Regular Shares

27,339

Money Market Shares

1,054

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)

81,280,669

Total Liabilities

413,222,280

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Gain Federal Credit Union earned the Verified Healthy badge

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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.