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Vida Federal Credit Union

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Vida Federal Credit Union Rates & Review November 2026

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

Current rates for Vida Federal Credit Union include: 12-Month CD: 3.80%, 18-Month CD: 3.82%, 24-Month CD: 3.85%, 60-Month CD: 4.00%, Savings: 0.55%, MMA: 0.70%

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

Vida Federal Credit Union CD rates are 3.80% APY for a 12 month CD, 3.82% APY for an 18 month CD, 3.85% APY for a 2 year CD, 3.86% APY for a 3 year CD, 3.90% APY for a 4 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Vida Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Vida Federal Credit Union's 60 month 5 Year CD rates are at 4.00%, 48 month 4 Year CD rates are at 3.90%, 36 month 3 Year CD rates are at 3.86%, 24 month 2 Year CD rates are at 3.85%, 18 Month CD rates are at 3.82%. Vida Federal Credit Union's savings rates are at 0.55%. Vida Federal Credit Union's money market rates are at 0.70%. Vida Federal Credit Union's checking rates are as high as 0.10%. Vida Federal Credit Union's Personal Loan Rates are as low as 7.99%. Vida Federal Credit Union's Credit Card Rates are at 8.48%. Vida Federal Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Vida Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.46%. Rates last updated and verified on 10/29/2026.

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

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

0.46%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Vida Federal Credit Union
Vida FCU

1520 N Palmetto Ave
Ontario, CA 91762

https://www.omsefcu.org

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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.

Vida Federal Credit Union CD Rates

Product	Rate	APY	Term
13 Month Certificate Special (New Money)	4.31%	4.40%	13 months
Min Balance $1,000 Details New money requirement: 50% of the certificate balance or a $10,000 minimum that must come from another institution or cash; early withdrawal penalty: 90 days dividends; effective October 21, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20% Oct 23, 20264.40%▲ from 4.20% Sep 21, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
60 month 5 Year Certificate	3.92%	4.00%	60 months
Min Balance $1,000 Details Early withdrawal penalty: 180 days dividends; effective October 21, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
IRA Certificate, 60 Month	3.92%	4.00%	60 months
Min Balance $500 Details Early withdrawal penalty: 180 days dividends; effective October 21, 2026; available for Traditional, Roth and Education IRAs Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
48 month 4 Year Certificate	3.83%	3.90%	48 months
Min Balance $1,000 Details Early withdrawal penalty: 180 days dividends; effective October 21, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
IRA Certificate, 48 Month	3.83%	3.90%	48 months
Min Balance $500 Details Early withdrawal penalty: 180 days dividends; effective October 21, 2026; available for Traditional, Roth and Education IRAs Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
36 month 3 Year Certificate	3.79%	3.86%	36 months
Min Balance $1,000 Details Early withdrawal penalty: 180 days dividends; effective October 21, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.86% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
IRA Certificate, 36 Month	3.79%	3.86%	36 months
Min Balance $500 Details Early withdrawal penalty: 180 days dividends; effective October 21, 2026; available for Traditional, Roth and Education IRAs Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.86% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
24 month 2 Year Certificate	3.78%	3.85%	24 months
Min Balance $1,000 Details Early withdrawal penalty: 180 days dividends; effective October 21, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
IRA Certificate, 24 Month	3.78%	3.85%	24 months
Min Balance $500 Details Early withdrawal penalty: 180 days dividends; effective October 21, 2026; available for Traditional, Roth and Education IRAs Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
18 Month Certificate	3.75%	3.82%	18 months
Min Balance $1,000 Details Early withdrawal penalty: 90 days dividends; effective October 21, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.82% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
IRA Certificate, 18 Month	3.75%	3.82%	18 months
Min Balance $500 Details Early withdrawal penalty: 90 days dividends; effective October 21, 2026; available for Traditional, Roth and Education IRAs Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
12 month 1 Year Certificate	3.73%	3.80%	12 months
Min Balance $1,000 Details Early withdrawal penalty: 90 days dividends; effective October 21, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
IRA Certificate, 12 Month	3.73%	3.80%	12 months
Min Balance $500 Details Early withdrawal penalty: 90 days dividends; effective October 21, 2026; available for Traditional, Roth and Education IRAs Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
9 Month Certificate	3.24%	3.29%	9 months
Min Balance $1,000 Details Early withdrawal penalty: 60 days dividends; effective October 21, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.29% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
6 Month Certificate	3.06%	3.11%	6 months
Min Balance $2,500 Details Early withdrawal penalty: 60 days dividends; effective October 21, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.11% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
3 Month Certificate	2.67%	2.71%	3 months
Min Balance $5,000 Details Early withdrawal penalty: 60 days dividends; effective October 21, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.71% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%

Vida Federal Credit Union Savings Rates

Product	Rate	APY
Summer Saver with Loyalty Rewards	6.30%	6.50%
Details Summer Saver account rate table with loyalty rewards Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Summer Saver	5.83%	6.00%
Details Summer Saver account rate table Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Advantage Savings	0.55%	0.55%
Min Balance $25,000 Details Dividend rates as of October 1, 2026; dividend rate and APY may change monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Plus Savings	0.40%	0.40%
Min Balance $10,000 Details Dividend rates as of October 1, 2026; dividend rate and APY may change monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Holiday Club	0.10%	0.10%
Min Balance $5 Details Dividend rates as of October 1, 2026; dividend rate and APY may change monthly Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
IRA Share Account	0.10%	0.10%
Min Balance $5 Details Dividend rates as of October 1, 2026; available for Traditional IRAs, Roth IRAs and Education IRAs Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Regular Savings	0.10%	0.10%
Min Balance $5 Details Dividend rates as of October 1, 2026; dividend rate and APY may change monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%

Vida Federal Credit Union Checking Rates

Product	Rate	APY
Money Market Checking	0.70%	0.70%
Min Balance $2,500 Details Dividend rates as of October 1, 2026; dividend rate and APY may change monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Share Draft (Checking)	0.10%	0.10%
Min Balance $1,000 Details Dividend rates as of October 1, 2026; dividend rate and APY may change monthly Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%

Vida Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (variable rate)	-	-	6.00%
Details Lowest APR shown, variable; HELOC introductory rate 4.25% APR for the first 6 months after account opening; margins, limits and fees per Home Equity Rates & Terms Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Home Equity Loan - 15-Year Fixed	-	-	6.75%	15 years
Details Lowest APR shown; rate depends on creditworthiness, combined loan-to-value and term Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%

Vida Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan (New and Used)	-	-	4.55%	36 months
Details Minimum loan: No minimum; Lowest available APR reflects 0.25% electronic repayment and direct deposit discount; up to 100% of purchase price (new) or KBB retail value (used); minimum payment $125 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.55% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Auto Loans (New and Used) - 36 months	-	-	4.55%	36 months
Details Minimum loan: No minimum; lowest available APR reflects 0.25% discount for electronic repayment and direct deposit enrollment; minimum payment $125 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.55% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Auto Loan (New and Used)	-	-	4.57%	48 months
Details Minimum loan: No minimum; Lowest available APR reflects 0.25% electronic repayment and direct deposit discount; minimum payment $125 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.57% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Auto Loans (New and Used) - 48 months	-	-	4.57%	48 months
Details Minimum loan: No minimum; lowest available APR reflects 0.25% discount for electronic repayment and direct deposit enrollment; minimum payment $125 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.57% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Auto Loan (New and Used)	-	-	4.58%	60 months
Details Minimum loan: No minimum; Lowest available APR reflects 0.25% electronic repayment and direct deposit discount; minimum payment $125 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.58% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Auto Loans (New and Used) - 60 months	-	-	4.58%	60 months
Details Minimum loan: No minimum; lowest available APR reflects 0.25% discount for electronic repayment and direct deposit enrollment; minimum payment $125 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.58% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Auto Loan (New and Used)	-	-	4.88%	72 months
Details Minimum loan: $20,000; Lowest available APR reflects 0.25% electronic repayment and direct deposit discount; minimum payment $125 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.88% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Auto Loans (New and Used) - 72 months	-	-	4.88%	72 months
Details Minimum loan: $20,000; lowest available APR reflects 0.25% discount for electronic repayment and direct deposit enrollment; minimum payment $125 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.88% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Auto Loan (New and Used)	-	-	5.28%	84 months
Details Minimum loan: $30,000; Lowest available APR reflects 0.25% electronic repayment and direct deposit discount; minimum payment $125 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.28% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Auto Loans (New and Used) - 84 months	-	-	5.28%	84 months
Details Minimum loan: $30,000; lowest available APR reflects 0.25% discount for electronic repayment and direct deposit enrollment; minimum payment $125 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.28% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%

Vida Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan (New and Used) - 36 months	-	6.24%	36 months
Details Up to 80% of purchase price of new motorcycles (excluding tax and license) and up to 100% of Kelley Blue Book wholesale value; lowest available APR reflects 0.25% electronic repayment discount Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Watercraft Loan (New) - 36 months	-	6.24%	36 months
Details 100% financing on approved credit (excluding tax, license and fees); lowest available APR reflects 0.25% electronic repayment discount Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Recreational Vehicle Loan (New and Used) - 60 months	-	6.25%	60 months
Details Minimum payment $125; new RVs up to 100% of purchase price (excluding tax, license and fees); used RVs up to 100% of Kelley Blue Book retail value; lowest available APR reflects 0.25% electronic repayment discount Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Recreational Vehicle Loan (New and Used) - 84 months	-	6.70%	84 months
Details RV loans of $25,000 or more; minimum payment $125; new RVs up to 100% of purchase price (excluding tax, license and fees); used RVs up to 100% of Kelley Blue Book retail value; lowest available APR reflects 0.25% electronic repayment discount Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Motorcycle Loan (New and Used) - 48 months	-	6.75%	48 months
Details Up to 80% of purchase price of new motorcycles (excluding tax and license) and up to 100% of Kelley Blue Book wholesale value; lowest available APR reflects 0.25% electronic repayment discount Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Watercraft Loan (New) - 48 months	-	6.75%	48 months
Details 100% financing on approved credit (excluding tax, license and fees); lowest available APR reflects 0.25% electronic repayment discount Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Motorcycle Loan (New and Used) - 60 months	-	7.00%	60 months
Details Up to 80% of purchase price of new motorcycles (excluding tax and license) and up to 100% of Kelley Blue Book wholesale value; lowest available APR reflects 0.25% electronic repayment discount Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Recreational Vehicle Loan (New and Used) - 120 months	-	7.00%	120 months
Details RV loans of $35,000 or more; minimum payment $125; new RVs up to 100% of purchase price (excluding tax, license and fees); used RVs up to 100% of Kelley Blue Book retail value; lowest available APR reflects 0.25% electronic repayment discount Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Watercraft Loan (New) - 60 months	-	7.00%	60 months
Details Financing on loans of $12,500 or more; 100% financing on approved credit (excluding tax, license and fees); lowest available APR reflects 0.25% electronic repayment discount Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Recreational Vehicle Loan (New and Used) - 144 months	-	7.25%	144 months
Details RV loans of $50,000 or more; minimum payment $125; new RVs up to 100% of purchase price (excluding tax, license and fees); used RVs up to 100% of Kelley Blue Book retail value; lowest available APR reflects 0.25% electronic repayment discount Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Recreational Vehicle Loan (New and Used) - 180 months	-	7.50%	180 months
Details RV loans of $50,000 or more; minimum payment $125; new RVs up to 100% of purchase price (excluding tax, license and fees); used RVs up to 100% of Kelley Blue Book retail value; lowest available APR reflects 0.25% electronic repayment discount Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Motorcycle Loan (New and Used) - 72 months	-	7.75%	72 months
Details Up to 80% of purchase price of new motorcycles (excluding tax and license) and up to 100% of Kelley Blue Book wholesale value; lowest available APR reflects 0.25% electronic repayment discount Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Watercraft Loan (New) - 72 months	-	7.75%	72 months
Details Financing on loans of $20,000 or more; 100% financing on approved credit (excluding tax, license and fees); lowest available APR reflects 0.25% electronic repayment discount Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Watercraft Loan (New) - 84 months	-	8.00%	84 months
Details Financing on loans of $30,000 or more; 100% financing on approved credit (excluding tax, license and fees); lowest available APR reflects 0.25% electronic repayment discount Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%

Vida Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	8.48%
Details Credit line up to $20,000; APR applies to purchases, balance transfers and cash advances; no annual fee; 25-day grace period on purchases Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.48% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Visa Classic	-	11.88%
Details Credit line up to $12,500; APR applies to purchases, balance transfers and cash advances; no annual fee; 25-day grace period on purchases Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 11.88% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%

Vida Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	7.99%	Up to 72 months
Details Maximum loan $20,000; minimum loan amount $500; membership open at least one month; application fees may apply; lowest available APR reflects 0.25% electronic repayment discount Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%

Vida Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
E-Bike Loan - 36 months	-	-	8.50%	36 months
Details Class 1: pedal assist only, 20 mph limit; Class 2: pedal assist or throttle, 20 mph limit; Class 3: pedal assist only, 28 mph limit, helmet required, riders 16 and older Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
E-Bike Loan - 48 months	-	-	8.75%	48 months
Details Class 1: pedal assist only, 20 mph limit; Class 2: pedal assist or throttle, 20 mph limit; Class 3: pedal assist only, 28 mph limit, helmet required, riders 16 and older Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
E-Bike Loan - 60 months	-	-	9.00%	60 months
Details Class 1: pedal assist only, 20 mph limit; Class 2: pedal assist or throttle, 20 mph limit; Class 3: pedal assist only, 28 mph limit, helmet required, riders 16 and older Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Fixed Second	-	-	6.99%
Details As Low As; Rate from 6.99% Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Payday Alternative Loan	-	-	28.00%	Up to 6 months
Details Maximum loan $1,000; minimum loan amount $500; membership open at least one month Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 28.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%

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

Vida Federal Credit Union’s Texas Ratio fell from 2.13% in Q3 2023 to 0.46% in Q2 2026, so its financial health has improved and is now 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	$175M	0.46%	5.0	A+
March 31, 2026	$173M	0.20%	5.0	A+
December 31, 2025	$171M	0.54%	5.0	A+
September 30, 2025	$167M	0.37%	5.0	A+
June 30, 2025	$170M	0.58%	5.0	A+
March 31, 2025	$172M	0.44%	5.0	A+
December 31, 2024	$166M	0.74%	5.0	A+
September 30, 2024	$166M	1.22%	5.0	A+
June 30, 2024	$172M	1.02%	5.0	A+
March 31, 2024	$170M	0.84%	5.0	A+
December 31, 2023	$157M	1.31%	5.0	A+
September 30, 2023	$153M	2.13%	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 Vida 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 Vida 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 Vida Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Vida Federal Credit Union

Website https://www.omsefcu.org

Address 1520 N Palmetto Ave, Ontario, CA 91762

Phone 909-983-1959

Fax 909-988-5130

President Milissa Checchi

CEO Madeline Stewart

Full-Time Employees 32

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

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

0.46%

Return on Assets (ROA)

0.2436%

Return on Equity (ROE)

1.7715%

Non-Performing Loans Ratio (NPL)

0.13%

Total Assets

174,609,350

Total Amount of Shares and Deposits

150,416,875

Total Shares and Deposits < 1 Year

132,875,330

Total Shares and Deposits 1 3 Years

11,614,615

Total Shares and Deposits > 3 Years

5,926,930

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

8,213,877

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

8,213,877

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

142,202,998

Total Interest Expense (Sum of items 6 8)

878,204

Share Certificates

967

Number of Accounts for Share Drafts

6,900

IRA KEOGH Accounts

578

Number of Accounts for Regular Shares

12,430

All other shares

477

Money Market Shares

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)

4,977,853

Total Liabilities

152,147,251

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Vida Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Vida Federal Credit Union

Does Vida Federal Credit Union offer CDs?

Yes. Vida Federal Credit Union current CD rates include its 60 month 5 Year CD at 4.00% APY, its 48 month 4 Year CD at 3.90% APY and its 36 month 3 Year CD at 3.86% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Vida Federal Credit Union NCUA insured?

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

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

The highest Vida Federal Credit Union CD rate is its 13 Month CD Special (New Money) at 4.40% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Vida Federal Credit Union offer?

Vida Federal Credit Union CD rates are 3.80% APY for a 12 month CD, 3.82% APY for an 18 month CD, 3.85% APY for a 2 year CD, 3.86% APY for a 3 year CD, 3.90% APY for a 4 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Vida Federal Credit Union for its full lineup.

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

The highest Vida Federal Credit Union savings rate is its Advantage Savings at 0.55% APY, verified by MonitorBankRates as of October 29, 2026.

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

The highest Vida Federal Credit Union money market rate is its Money Market Checking at 0.70% APY, verified by MonitorBankRates as of October 29, 2026.

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

The highest Vida Federal Credit Union checking rate is its Money Market Checking at 0.70% APY, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Vida Federal Credit Union auto loan rate is its Auto Loan (New and Used) at 4.55% APR, verified by MonitorBankRates as of October 29, 2026. Vida Federal Credit Union auto loan rates are 4.55% APR for a 36 month auto loan, 4.57% APR for a 48 month auto loan, 4.58% APR for a 60 month auto loan, 4.88% APR for a 72 month auto loan, 5.28% APR for an 84 month auto loan, 7.00% APR for a 120 month auto loan, 7.25% APR for a 144 month auto loan and 7.50% APR for a 180 month auto loan.

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

The lowest Vida Federal Credit Union personal loan rate is its Personal Loan at 7.99% APR, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Vida Federal Credit Union credit card APR is its Visa Platinum Credit Card at 8.48% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Vida Federal Credit Union operate?

Vida 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 Vida Federal Credit Union?

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

Does Vida Federal Credit Union offer online and mobile banking?

Most modern institutions like Vida 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.omsefcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

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

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

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

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

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

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

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

How do Vida Federal Credit Union rates compare?

Vida Federal Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A+ health rating. Vida Federal Credit Union's top rates are its 13 Month CD Special (New Money) at 4.40% APY, its Advantage Savings at 0.55% APY, its Money Market Checking at 0.70% APY, its Share Draft (Checking) at 0.10% APY, its Personal Loan at 7.99% APR and its Visa Platinum Credit Card at 8.48% APR, verified by MonitorBankRates on October 29, 2026.

Current Vida Federal Credit Union Rates

12-Month CD3.80%
18-Month CD3.82%
24-Month CD3.85%
60-Month CD4.00%
Savings0.55%
MMA0.70%

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

Compare to Other Credit Unions

Vida Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Vida Federal Credit Union Texas Ratio

Vida Federal Credit Union Health Trend

Vida Federal Credit Union CD Rates

Vida Federal Credit Union Savings Rates

Vida Federal Credit Union Checking Rates

Vida Federal Credit Union Home Equity & HELOC

Vida Federal Credit Union Auto Loan Rates

Vida Federal Credit Union RV, Boat and Powersport Loan Rates

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Vida Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Vida Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Vida Federal Credit Union

Does Vida Federal Credit Union offer CDs?

Are CDs from Vida Federal Credit Union NCUA insured?

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

What CD terms does Vida Federal Credit Union offer?

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

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

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

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

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

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

How many branches does Vida Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Vida Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

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

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

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

How do Vida Federal Credit Union rates compare?

Current Vida Federal Credit Union Rates

Compare to Other Credit Unions