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Kings Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Kings Federal Credit Union's top rates as of October 12, 2026 are 3.87% APY on its 12 Month CD, 0.40% APY on savings, 1.00% APY on money market accounts, personal loans from 9.00% APR, and credit cards from 10.95% APR, according to rates verified by MonitorBankRates. Other Kings Federal Credit Union CD rates include 12 Month IRA CD at 3.87%, 18 Month CD at 3.87%, and 12 Month CD at 3.76%. MonitorBankRates evaluates the financial stability of Kings Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.07%. Rates last updated and verified on 10/12/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 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 ?
2.07%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Kings Federal Credit Union
Kings Federal Credit Union
1415 W Lacey Blvd
Hanford, CA 93230
https://kingsfcu.com
Member NCUA
Customer Reviews
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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.

Kings Federal Credit Union CD Rates

Product Rate APY Term View More
12 Month Certificate 3.80% 3.87% 12 Month
Min Balance $75,000
Details Balance tier starts at $75,000.00
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.87% ▲ 0.26 pts · high 3.87% / low 3.61%
3.11%3.74%4.37%Sep 14, 2026: 3.61% APYOct 4, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.87%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
12 Month IRA Certificate 3.80% 3.87% 12 Month
Min Balance $75,000
Details IRA; Balance tier starts at $75,000.00
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.87% ▲ 0.26 pts · high 3.87% / low 3.61%
3.11%3.74%4.37%Sep 14, 2026: 3.61% APYOct 4, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.87%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
18 Month Certificate 3.80% 3.87% 18 Month
Min Balance $75,000
Details Balance tier starts at $75,000.00
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.87% ▲ 0.26 pts · high 3.87% / low 3.61%
3.11%3.74%4.37%Sep 14, 2026: 3.61% APYOct 4, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.87%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
12 Month Certificate 3.70% 3.76% 12 Month
Min Balance $1,000
Details Balance tier starts at $1,000.00
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 3.51% → 3.76% ▲ 0.25 pts · high 3.76% / low 3.51%
3.01%3.64%4.26%Sep 20, 2026: 3.51% APYOct 4, 2026: 3.76% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.76%▲ from 3.51%
  • Sep 20, 20263.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
12 Month Certificate 3.70% 3.76% 12 Month
Min Balance $10,000
Details Balance tier starts at $10,000.00
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 3.51% → 3.76% ▲ 0.25 pts · high 3.76% / low 3.51%
3.01%3.64%4.26%Sep 20, 2026: 3.51% APYOct 4, 2026: 3.76% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.76%▲ from 3.51%
  • Sep 20, 20263.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
12 Month IRA Certificate 3.70% 3.76% 12 Month
Min Balance $500
Details IRA; Balance tier starts at $500.00
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 3.51% → 3.76% ▲ 0.25 pts · high 3.76% / low 3.51%
3.01%3.64%4.26%Sep 20, 2026: 3.51% APYOct 4, 2026: 3.76% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.76%▲ from 3.51%
  • Sep 20, 20263.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
12 Month IRA Certificate 3.70% 3.76% 12 Month
Min Balance $10,000
Details IRA; Balance tier starts at $10,000.00
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 3.51% → 3.76% ▲ 0.25 pts · high 3.76% / low 3.51%
3.01%3.64%4.26%Sep 20, 2026: 3.51% APYOct 4, 2026: 3.76% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.76%▲ from 3.51%
  • Sep 20, 20263.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
18 Month Certificate 3.70% 3.76% 18 Month
Min Balance $1,000
Details Balance tier starts at $1,000.00
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 3.51% → 3.76% ▲ 0.25 pts · high 3.76% / low 3.51%
3.01%3.64%4.26%Sep 20, 2026: 3.51% APYOct 4, 2026: 3.76% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.76%▲ from 3.51%
  • Sep 20, 20263.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
18 Month Certificate 3.70% 3.76% 18 Month
Min Balance $10,000
Details Balance tier starts at $10,000.00
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 3.51% → 3.76% ▲ 0.25 pts · high 3.76% / low 3.51%
3.01%3.64%4.26%Sep 20, 2026: 3.51% APYOct 4, 2026: 3.76% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.76%▲ from 3.51%
  • Sep 20, 20263.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
24 Month Certificate 3.55% 3.61% 24 Month
Min Balance $75,000
Details Balance tier starts at $75,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
24 Month IRA 3.55% 3.61% 24 Month
Min Balance $75,000
Details IRA; Balance tier starts at $75,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
36 Month Certificate 3.55% 3.61% 36 Month
Min Balance $75,000
Details Balance tier starts at $75,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
36 Month IRA 3.55% 3.61% 36 Month
Min Balance $75,000
Details IRA; Balance tier starts at $75,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
24 Month Certificate 3.45% 3.51% 24 Month
Min Balance $1,000
Details Balance tier starts at $1,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 20, 2026: 3.51% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
24 Month Certificate 3.45% 3.51% 24 Month
Min Balance $10,000
Details Balance tier starts at $10,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 20, 2026: 3.51% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
24 Month IRA 3.45% 3.51% 24 Month
Min Balance $500
Details IRA; Balance tier starts at $500.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 20, 2026: 3.51% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
24 Month IRA 3.45% 3.51% 24 Month
Min Balance $10,000
Details IRA; Balance tier starts at $10,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 20, 2026: 3.51% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
36 Month Certificate 3.45% 3.51% 36 Month
Min Balance $1,000
Details Balance tier starts at $1,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 20, 2026: 3.51% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
36 Month Certificate 3.45% 3.51% 36 Month
Min Balance $10,000
Details Balance tier starts at $10,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 20, 2026: 3.51% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
36 Month IRA 3.45% 3.51% 36 Month
Min Balance $500
Details IRA; Balance tier starts at $500.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 20, 2026: 3.51% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
36 Month IRA 3.45% 3.51% 36 Month
Min Balance $10,000
Details IRA; Balance tier starts at $10,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 20, 2026: 3.51% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
6 Month Certificate 3.45% 3.51% 6 Month
Min Balance $75,000
Details Balance tier starts at $75,000.00
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.51% ▲ 0.26 pts · high 3.51% / low 3.25%
2.75%3.38%4.01%Sep 14, 2026: 3.25% APYOct 4, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.51%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
6 Month IRA Certificate 3.45% 3.51% 6 Month
Min Balance $75,000
Details IRA; Balance tier starts at $75,000.00
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.51% ▲ 0.26 pts · high 3.51% / low 3.25%
2.75%3.38%4.01%Sep 14, 2026: 3.25% APYOct 4, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.51%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
3 Month Certificate 3.35% 3.40% 3 Month
Min Balance $75,000
Details Balance tier starts at $75,000.00
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 3.14% → 3.40% ▲ 0.26 pts · high 3.40% / low 3.14%
2.64%3.27%3.90%Sep 14, 2026: 3.14% APYOct 4, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.40%▲ from 3.14%
  • Sep 14, 20263.14%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
6 Month Certificate 3.35% 3.40% 6 Month
Min Balance $1,000
Details Balance tier starts at $1,000.00
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 3.14% → 3.40% ▲ 0.26 pts · high 3.40% / low 3.14%
2.64%3.27%3.90%Sep 20, 2026: 3.14% APYOct 4, 2026: 3.40% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.40%▲ from 3.14%
  • Sep 20, 20263.14%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
6 Month Certificate 3.35% 3.40% 6 Month
Min Balance $10,000
Details Balance tier starts at $10,000.00
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 3.14% → 3.40% ▲ 0.26 pts · high 3.40% / low 3.14%
2.64%3.27%3.90%Sep 20, 2026: 3.14% APYOct 4, 2026: 3.40% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.40%▲ from 3.14%
  • Sep 20, 20263.14%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
6 Month IRA Certificate 3.35% 3.40% 6 Month
Min Balance $500
Details IRA; Balance tier starts at $500.00
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 3.14% → 3.40% ▲ 0.26 pts · high 3.40% / low 3.14%
2.64%3.27%3.90%Sep 20, 2026: 3.14% APYOct 4, 2026: 3.40% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.40%▲ from 3.14%
  • Sep 20, 20263.14%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
6 Month IRA Certificate 3.35% 3.40% 6 Month
Min Balance $10,000
Details IRA; Balance tier starts at $10,000.00
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 3.14% → 3.40% ▲ 0.26 pts · high 3.40% / low 3.14%
2.64%3.27%3.90%Sep 20, 2026: 3.14% APYOct 4, 2026: 3.40% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.40%▲ from 3.14%
  • Sep 20, 20263.14%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
3 Month Certificate 3.25% 3.30% 3 Month
Min Balance $1,000
Details Balance tier starts at $1,000.00
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 3.04% → 3.30% ▲ 0.26 pts · high 3.30% / low 3.04%
2.54%3.17%3.80%Sep 20, 2026: 3.04% APYOct 4, 2026: 3.30% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.30%▲ from 3.04%
  • Sep 20, 20263.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
3 Month Certificate 3.25% 3.30% 3 Month
Min Balance $10,000
Details Balance tier starts at $10,000.00
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 3.04% → 3.30% ▲ 0.26 pts · high 3.30% / low 3.04%
2.54%3.17%3.80%Sep 20, 2026: 3.04% APYOct 4, 2026: 3.30% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.30%▲ from 3.04%
  • Sep 20, 20263.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%

Kings Federal Credit Union Savings Rates

Product Rate APY View More
IRA Savings 0.40% 0.40%
Min Balance $5
Details Rate may change after account is opened
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
Christmas Club 0.30% 0.30%
Min Balance $500
Details Rate may change after account is opened
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
Kid's Club 0.30% 0.30%
Min Balance $25
Details Rate may change after account is opened
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
Regular Share Savings 0.30% 0.30%
Min Balance $100
Details Balance tier starts at $100.00; Rate may change after account is opened
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 5 times
0.00%0.40%0.80%Sep 20, 2026: 0.30% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
Regular Share Savings 0.30% 0.30%
Min Balance $500
Details Balance tier starts at $500.00; Rate may change after account is opened
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 5 times
0.00%0.40%0.80%Sep 20, 2026: 0.30% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
Regular Share Savings 0.30% 0.30%
Min Balance $1,000
Details Balance tier starts at $1,000.00; Rate may change after account is opened
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 5 times
0.00%0.40%0.80%Sep 20, 2026: 0.30% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%

Kings Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market 1.00% 1.00%
Min Balance $20,000
Details Balance tier starts at $20,000.00
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 12, 2026: 1.00% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
Money Market 0.90% 0.90%
Min Balance $10,000
Details Balance tier starts at $10,000.00
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.90% APY
0.40%0.90%1.40%Oct 12, 2026: 0.90% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
Money Market 0.85% 0.85%
Min Balance $2,500
Details Balance tier starts at $2,500.00
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.85% APY
0.35%0.85%1.35%Oct 12, 2026: 0.85% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%

Kings Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto - - 5.24% up to 60 months
Details As Low As; Rates effective 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 8 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
New Auto - - 5.49% 61-72 months
Details As Low As; Rates effective 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Oct 4, 2026: 5.49% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
Used Auto - - 5.49% up to 60 months
Details As Low As; Rates effective 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
Used Auto - - 5.74% 61-72 months
Details As Low As; Rates effective 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Oct 4, 2026: 5.74% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
New Auto - - 5.99% 72-84 months
Details As Low As; Rates effective 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Oct 4, 2026: 5.99% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
Used Auto - - 6.24% 72-84 months
Details As Low As; Rates effective 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 6.24% APR · checked 3 times
5.74%6.24%6.74%Oct 4, 2026: 6.24% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%

Kings Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New RV, Boat, Motor Home, Trailer, Motorcycle Loan - 7.49% up to 60 months
Details As Low As; Rates effective 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 8 times
6.99%7.49%7.99%Sep 14, 2026: 7.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
New RV, Boat, Motor Home, Trailer, Motorcycle Loan - 7.74% 61-72 months
Details As Low As; Rates effective 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 7.74% APR · checked 3 times
7.24%7.74%8.24%Oct 4, 2026: 7.74% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
Used RV, Boat, Motor Home, Trailer, Motorcycle Loan - 7.74% up to 60 months
Details As Low As; Rates effective 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 8 times
7.24%7.74%8.24%Sep 14, 2026: 7.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
Used RV, Boat, Motor Home, Trailer, Motorcycle Loan - 7.99% 61-72 months
Details As Low As; Rates effective 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 7.99% APR · checked 3 times
7.49%7.99%8.49%Oct 4, 2026: 7.99% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
New RV, Boat, Motor Home, Trailer, Motorcycle Loan - 8.24% 72-84 months
Details As Low As; Rates effective 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 8.24% APR · checked 3 times
7.74%8.24%8.74%Oct 4, 2026: 8.24% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
Used RV, Boat, Motor Home, Trailer, Motorcycle Loan - 8.49% 72-84 months
Details As Low As; Rates effective 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 8.49% APR · checked 3 times
7.99%8.49%8.99%Oct 4, 2026: 8.49% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
New RV, Boat, Motor Home, Trailer, Motorcycle Loan - 9.24% 85-120 months
Details As Low As; Rates effective 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 9.24% APR · checked 3 times
8.74%9.24%9.74%Oct 4, 2026: 9.24% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
Used RV, Boat, Motor Home, Trailer, Motorcycle Loan - 9.49% 85-120 months
Details As Low As; Rates effective 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 9.49% APR · checked 3 times
8.99%9.49%9.99%Oct 4, 2026: 9.49% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%

Kings Federal Credit Union Credit Card Rates

Product Rate APR View More
VISA Classic - 10.95%
Details As Low As; Rates effective 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 10.95% APR · checked 8 times
10.45%10.95%11.45%Sep 14, 2026: 10.95% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%

Kings Federal Credit Union Personal Loan Rates

Product APR Term View More
Express Home Improvement (Unsecured) Loan 9.00% up to 84 months
Details As Low As; Rates effective 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 8 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
Signature Loan 9.99% up to 60 months
Details As Low As; Rates effective 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 8 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.07%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Kings Federal Credit Union’s Texas Ratio rose from 1.44% in Q3 2023 to 2.07% 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.

0% 1.0★ 0.7% 2.0★ 1.4% 3.0★ 2.1% 4.0★ 2.8% 5.0★ Healthy zone – entire history below the 15% limit 1.44% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 2.07% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$162M2.07%5.0A+
March 31, 2026$163M1.50%5.0A+
December 31, 2025$162M1.36%5.0A+
September 30, 2025$157M0.81%5.0A+
June 30, 2025$155M0.90%5.0A+
March 31, 2025$157M0.91%5.0A+
December 31, 2024$151M0.54%5.0A+
September 30, 2024$153M1.03%5.0A+
June 30, 2024$151M0.98%5.0A+
March 31, 2024$155M0.72%5.0A+
December 31, 2023$154M1.81%5.0A+
September 30, 2023$151M1.44%5.0A+
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 Kings 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 Kings 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 Kings Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Kings Federal Credit Union
Website https://kingsfcu.com
Address 1415 W Lacey Blvd, Hanford, CA 93230
Phone 559-582-4438
Fax 559-582-3236
President Curt Rowe (Retired)
CEO Francine Kocina
Full-Time Employees 18
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
2.07%
Return on Assets (ROA)
0.4945%
Return on Equity (ROE)
3.0971%
Non-Performing Loans Ratio (NPL)
0.64%
Total Assets
162,493,911
Total Amount of Shares and Deposits
136,382,058
Total Shares and Deposits < 1 Year
129,201,218
Total Shares and Deposits 1 3 Years
7,180,839
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,428,928
Total Uninsured Shares and Deposits > $250K (F+J)
7,428,928
Total Insured Shares and Deposits > $250K (item 17 less item K)
128,953,130
Total Interest Expense (Sum of items 6 8)
754,670
Share Certificates
642
Number of Accounts for Share Drafts
3,318
IRA KEOGH Accounts
373
Number of Accounts for Regular Shares
8,931
Money Market Shares
128
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)
24,740,307
Total Liabilities
137,946,534
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Kings 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/kings-federal-credit-union-rates-review-10395">
  <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

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Kings Federal Credit Union

How many branches does Kings Federal Credit Union operate?

Kings 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 Kings Federal Credit Union?

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

Does Kings Federal Credit Union offer online and mobile banking?

Most modern institutions like Kings 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://kingsfcu.com.

Current Kings Federal Credit Union Rates

  • 12-Month CD3.76%
  • 18-Month CD3.76%
  • 24-Month CD3.51%
  • Savings0.40%
  • MMA1.00%
Retrieved from our database of financial products. Rates subject to change.

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