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La Loma Federal Credit Union Rates & Review September 2026

La Loma Federal Credit Union's 6 Month CDs rates are at 3.50%, 12 Month CDs rates are at 3.45%, 12 Month CDs rates are at 3.40%, 6 Month CDs rates are at 3.40%, 12 Month CDs rates are at 3.35%. La Loma Federal Credit Union's savings rates are at 0.05%. La Loma Federal Credit Union's money market rates are at 0.05%. La Loma Federal Credit Union's Personal Loan Rates are as low as 12.99%. La Loma Federal Credit Union's Credit Card Rates are at 8.90%. MonitorBankRates evaluates the financial stability of La Loma Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.85%. Rates last updated and verified on 09/20/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.85%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
La Loma Federal Credit Union
Loma Linda Headquarters
26151 Mayberry St
Bryn Mawr, CA 92318
https://www.llfcu.org
Member NCUA

La Loma Federal Credit Union CD Rates

Product Rate APY Term View More
6 Month Share Certificates - 3.50% 6 Months
Min Balance $100,000
Details Balance: $100,000+
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
12 Month Share Certificates - 3.45% 12 Months
Min Balance $100,000
Details Balance: $100,000+
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
12 Month Share Certificates - 3.40% 12 Months
Min Balance $50,000
Details Balance: $50,000 - $99,999
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
6 Month Share Certificates - 3.40% 6 Months
Min Balance $50,000
Details Balance: $50,000 - $99,999
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
12 Month Share Certificates - 3.35% 12 Months
Min Balance $20,000
Details Balance: $20,000 - $49,999
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
12 Month Share Certificates - 3.30% 12 Months
Min Balance $500
Details Balance: $500 - $19,999
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
6 Month Share Certificates - 3.30% 6 Months
Min Balance $20,000
Details Balance: $20,000 - $49,999
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
6 Month Share Certificates - 3.20% 6 Months
Min Balance $500
Details Balance: $500 - $19,999
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
3 Month Share Certificates - 3.15% 3 Months
Min Balance $100,000
Details Balance: $100,000+
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
3 Month Share Certificates - 3.05% 3 Months
Min Balance $50,000
Details Balance: $50,000 - $99,999
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
3 Month Share Certificates - 3.00% 3 Months
Min Balance $20,000
Details Balance: $20,000 - $49,999
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
3 Month Share Certificates - 2.90% 3 Months
Min Balance $500
Details Balance: $500 - $19,999
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%

La Loma Federal Credit Union Savings Rates

Product Rate APY View More
Christmas Club 0.15% 0.15%
Min Balance $10
Details Balance: $10.00
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
School Club 0.15% 0.15%
Min Balance $10
Details Balance: $10.00
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
Tax Club 0.15% 0.15%
Min Balance $10
Details Balance: $10.00
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
Vacation Club 0.15% 0.15%
Min Balance $10
Details Balance: $10.00
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
Regular Savings 0.05% 0.05%
Min Balance $100
Details APY* is a registered trademark of the National Credit Union Administration.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%

La Loma Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market 0.05% 0.05%
Min Balance $2,500
Details Balance: $2,500.00 and over
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%

La Loma Federal Credit Union Checking Rates

Product Rate APY View More
Checking 0.05% 0.05%
Min Balance $1,500
Details Balance: $1,500.00
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
Checking 0.05% 0.05%
Min Balance $300
Details Balance: $300.00
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%

La Loma Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity HELOC - - 6.75%
Details As Low As 6.75% APR*
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%

La Loma Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Vehicle Loan - - 3.49% 36-month
Details As Low As; Standard preferred rate with a minimum 750 FICO and a 36-month term on a New Vehicle Loan. Excludes existing LLFCU auto loans. Subject to credit approval and membership eligibility. Some restrictions may apply. The rate quoted is the standard preferred rate plus 0.50% rate discount with direct deposit and 0.50% rate discount with automatic payment established, and 0.50% rate discount for direct SEG employers (see credit union for employer lists). Other terms and conditions may apply see Credit Union for details.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
Vehicle Loans - - 3.49% 12 to 84 Months
Details Published APR range: 3.49% to 18.00%. Est. Payment/$1,000 Borrowed: $29.30 to $36.15 based on a 36mo term
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
Vehicle Loans - - 3.74% 12 to 84 Months
Details Published APR range: 3.74% to 18.00%. Est. Payment/$1,000 Borrowed: $29.41 to $36.15 based on a 36mo term
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
Vehicle Loans - - 5.49% 12 to 72 Months
Details Published APR range: 5.49% to 18.00%. Est. Payment/$1,000 Borrowed: $30.19 to $36.15 based on a 36mo term
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
Vehicle Loans - - 7.99% 12 to 72 Months
Details Published APR range: 7.99% to 18.00%. Est. Payment/$1,000 Borrowed: $20.27 to $25.39 based on 60mo term
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
Vehicle Loans - - 7.99% 12 to 180 Months
Details Published APR range: 7.99% to 18.00%. Est. Payment/$1,000 Borrowed: $20.27 to $25.39 based on 60mo term
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
Vehicle Loans - - 8.49% 12 to 120 Months
Details Published APR range: 8.49% to 18.00%. Est. Payment/$1,000 Borrowed: $20.51 to $25.39 based on 60mo term
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%

La Loma Federal Credit Union Credit Card Rates

Product Rate APR View More
Credit Card - 8.90%
Details As low as 8.90% APR*
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%

La Loma Federal Credit Union Personal Loan Rates

Product APR Term View More
Signature Loan 12.99% Up to 60 months
Details Published APR range: 12.99% to 18.00%.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%

La Loma Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Cash Loan - - 8.49%
Details As low as 8.49% APR*
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
Home Equity Line of Credit - - 3.49%
Details As Low As 3.49% APR*
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
Quick Cash Loan - - 6.99% 24 months
Details Published APR range: 6.99% to 13.49%.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
Revolving Credit Loan - - 12.90%
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%
Revolving Credit Loan - - 8.90%
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.85%

Financial Health History

La Loma Federal Credit Union’s Texas Ratio rose from 0.33% in Q2 2023 to 0.85% 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.

0% 1.0★ 1% 2.0★ 2% 3.0★ 3% 4.0★ 3.9% 5.0★ Healthy zone – entire history below the 15% limit 0.33% A+ Q2 2023 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 0.85% A+ Q1 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
March 31, 2026$114M0.85%5.0A+
December 31, 2025$114M1.21%5.0A+
September 30, 2025$111M0.67%5.0A+
June 30, 2025$113M0.25%5.0A+
March 31, 2025$114M1.62%5.0A+
December 31, 2024$111M1.71%5.0A+
September 30, 2024$111M1.73%5.0A+
June 30, 2024$110M2.92%5.0A+
March 31, 2024$112M0.17%5.0A+
December 31, 2023$113M0.24%5.0A+
September 30, 2023$111M0.52%5.0A+
June 30, 2023$112M0.33%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 La Loma 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 La Loma 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 La Loma Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name La Loma Federal Credit Union
Address 26151 Mayberry St, Bryn Mawr, CA 92318
Phone 909-796-0206
Fax 909-266-0469
President Dell Jean Van Fossen
CEO Daniel Penrod
Full-Time Employees 25
Part-Time Employees 0
Branch Locations 3
ATM Locations 6
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.85%
Return on Assets (ROA)
0.1172%
Return on Equity (ROE)
1.2302%
Non-Performing Loans Ratio (NPL)
0.13%
Total Assets
114,333,182
Total Amount of Shares and Deposits
108,257,380
Total Shares and Deposits < 1 Year
108,257,380
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,032,093
Total Uninsured Shares and Deposits > $250K (F+J)
7,032,093
Total Insured Shares and Deposits > $250K (item 17 less item K)
101,225,287
Total Interest Expense (Sum of items 6 8)
127,668
Share Certificates
218
Number of Accounts for Share Drafts
4,843
Number of Accounts for Regular Shares
9,140
Money Market Shares
31
Net Income (unless the amount is already included in Undivided Earnings)
133,953
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)
7,402,715
Total Liabilities
109,619,191
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

La Loma Federal Credit Union earned the Verified Healthy badge

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

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 — no need to download or upload anything.

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Customer Reviews

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Frequently Asked Questions About La Loma Federal Credit Union

How many branches does La Loma Federal Credit Union operate?

La Loma 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 La Loma Federal Credit Union?

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

Does La Loma Federal Credit Union offer online and mobile banking?

Most modern institutions like La Loma 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.llfcu.org.

Current La Loma Federal Credit Union Rates

  • 12-Month CD3.30%
  • Savings0.05%
  • MMA0.05%
Retrieved from our database of financial products. Rates subject to change.