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Ontario Public Employees Federal Credit Union

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Ontario Public Employees Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Ontario Public Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Ontario Public Employees Federal Credit Union's top rates as of October 9, 2026 are rv, boat and powersport loans from 4.25% APR, and credit cards from 8.95% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Ontario Public Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.54%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.54%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Ontario Public Employees Federal Credit Union
OPEFCU

202 W B St
Ontario, CA 91762

https://www.opefcu.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.

Ontario Public Employees Federal Credit Union Savings Rates

Product	Rate	APY	View More
Club Account	0.10%	0.10%
Min Balance $100 Details Balance: $100 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%

Ontario Public Employees Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos - Maximum Term 5 Years	-	-	4.99%	Maximum Term 5 Years
Details New Vehicles, 100% Financing for borrowers with a FICO score of 780 or higher Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
New Autos - Maximum Term 6 Years	-	-	5.49%	Maximum Term 6 Years
Details New Vehicles, 100% Financing for borrowers with a FICO score of 780 or higher Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Used Autos - Maximum Term 5 Years	-	-	5.99%	Maximum Term 5 Years
Details Used Vehicles, 100% of Kelley BlueBook High Value for 5 Years Old or Less Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
New Autos - 3-5 Years	-	-	6.25%	3-5 years
Details Published APR range: 6.25% to 17.50%. New Autos, 100% Financing of Purchase Price Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
New Autos - Maximum Term 7 Years	-	-	6.49%	Maximum Term 7 Years
Details New Vehicles, 100% Financing for borrowers with a FICO score of 780 or higher Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Used Autos - Maximum Term 6 Years	-	-	6.49%	Maximum Term 6 Years
Details Used Vehicles, 100% of Kelley BlueBook High Value for 5 Years Old or Less Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
New Autos - 6 Years	-	-	6.75%	6 Years
Details Published APR range: 6.75% to 9.99%. New Autos, 100% Financing of Purchase Price, Loans $15,000 or greater Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Used Autos - 3-4 Years	-	-	7.00%	3-4 years
Details Published APR range: 7.00% to 17.75%. Five Years Old or Less, 100% Of Retail Value Financing, Loans Less Than $11,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Used Autos - Maximum Term 7 Years	-	-	7.24%	Maximum Term 7 Years
Details Used Vehicles, 100% of Kelley BlueBook High Value for 5 Years Old or Less Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
New Autos - 7 Years	-	-	7.25%	7 Years
Details Published APR range: 7.25% to 9.99%. New Autos, 100% Financing of Purchase Price, Loans $30,000 or greater Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Used Autos - 5 Years	-	-	7.25%	5 Years
Details Published APR range: 7.25% to 17.75%. Five Years Old or Less, 100% Of Retail Value Financing, Loans $11,000 or greater Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Used Autos - 6 Years	-	-	8.00%	6 Years
Details Published APR range: 8.00% to 10.49%. Five Years Old or Less, 100% Of Retail Value Financing, Loans $15,000 or greater Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Used Autos - 7 Years	-	-	8.25%	7 Years
Details Published APR range: 8.25% to 10.49%. Five Years Old or Less, 100% Of Retail Value Financing, Loans of $30,000 or greater Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Used Autos - 3-5 Years	-	-	8.75%	3-5 years
Details Published APR range: 8.75% to 17.99%. Used Autos, More Than Five Years Old to 10 Years, Loans of $11,000 or greater Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%

Ontario Public Employees Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycles and Personal Watercraft - 3-5 Years Loan	-	4.25%	3-5 years
Details Published APR range: 4.25% to 12.25%. New Motorcycles and Personal Watercraft, 100% Financing of Purchase Price Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
New Motorcycles and Personal Watercraft - 6 Years Loan	-	4.75%	6 Years
Details Published APR range: 4.75% to 6.50%. New Motorcycles and Personal Watercraft, 100% Financing of Purchase Price, Loan $20,000 or greater Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Used Motorcycles and Personal Watercraft - 3-4 Years Loan	-	4.75%	3-4 years
Details Published APR range: 4.75% to 12.75%. Used Motorcycles and Personal Watercraft, Five Years Old or Less, 100% Of Retail Value Financing, Loans Less Than $11,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Used Motorcycles and Personal Watercraft - 5 Years Loan	-	4.75%	5 Years
Details Published APR range: 4.75% to 12.75%. Used Motorcycles and Personal Watercraft, Five Years Old or Less, 100% Of Retail Value Financing, Loans $11,000 or greater Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Used Motorcycles and Personal Watercraft - 6 Years Loan	-	5.75%	6 Years
Details Published APR range: 5.75% to 7.25%. Used Motorcycles and Personal Watercraft, Five Years Old or Less, 100% Of Retail Value Financing, Loans $20,000 or greater Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Used Motorcycles and Personal Watercraft - 3-5 Years Loan	-	7.25%	3-5 years
Details Published APR range: 7.25% to 14.00%. Used Motorcycles and Personal Watercraft, More Than Five Years Old, 5 year loan $11,000 or greater Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%

Ontario Public Employees Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Cards	-	8.95%
Details Published APR range: as low as 8.95%. Available limits; $1,000 to $10,000; Loan Discounts to be determined by Loan Officer Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 8.95% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%

Ontario Public Employees Federal Credit Union Personal Loan Rates

Product	APR	Term
New Motorcycles and Personal Watercraft - 3-5 Years Loan	4.25%	3-5 years
Details Published APR range: 4.25% to 12.25%. New Motorcycles and Personal Watercraft, 100% Financing of Purchase Price Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
New Motorcycles and Personal Watercraft - 6 Years Loan	4.75%	6 Years
Details Published APR range: 4.75% to 6.50%. New Motorcycles and Personal Watercraft, 100% Financing of Purchase Price, Loan $20,000 or greater Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Used Motorcycles and Personal Watercraft - 3-4 Years Loan	4.75%	3-4 years
Details Published APR range: 4.75% to 12.75%. Used Motorcycles and Personal Watercraft, Five Years Old or Less, 100% Of Retail Value Financing, Loans Less Than $11,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Used Motorcycles and Personal Watercraft - 5 Years Loan	4.75%	5 Years
Details Published APR range: 4.75% to 12.75%. Used Motorcycles and Personal Watercraft, Five Years Old or Less, 100% Of Retail Value Financing, Loans $11,000 or greater Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Used Motorcycles and Personal Watercraft - 6 Years Loan	5.75%	6 Years
Details Published APR range: 5.75% to 7.25%. Used Motorcycles and Personal Watercraft, Five Years Old or Less, 100% Of Retail Value Financing, Loans $20,000 or greater Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Used Motorcycles and Personal Watercraft - 3-5 Years Loan	7.25%	3-5 years
Details Published APR range: 7.25% to 14.00%. Used Motorcycles and Personal Watercraft, More Than Five Years Old, 5 year loan $11,000 or greater Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Signature Loans - 5 Years	10.95%	5 Years
Details Published APR range: 10.95% to 18.00%. Signature Loans, Maximum amount $10,000; Actual loan amount and terms available based upon applicant s qualifications Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%

Ontario Public Employees Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Holiday	0.10%	-	0.10%
Min Balance $100 Details Balance: $100 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Regular Shares	0.10%	-	0.10%
Min Balance $100 Details Balance: $100 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Regular Shares	0.10%	-	0.10%
Min Balance $5,000 Details Balance: $5,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%
Regular Shares	0.10%	-	0.10%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.54%

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

Ontario Public Employees Federal Credit Union’s Texas Ratio rose from 1.44% in Q3 2023 to 2.54% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

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

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

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$23M	2.54%	5.0	A+
March 31, 2026	$23M	5.27%	5.0	A+
December 31, 2025	$23M	2.95%	5.0	A+
September 30, 2025	$23M	2.82%	5.0	A+
June 30, 2025	$24M	3.44%	5.0	A+
March 31, 2025	$24M	3.06%	5.0	A+
December 31, 2024	$23M	3.92%	5.0	A+
September 30, 2024	$23M	3.90%	5.0	A+
June 30, 2024	$23M	3.55%	5.0	A+
March 31, 2024	$25M	3.55%	5.0	A+
December 31, 2023	$24M	1.51%	5.0	A+
September 30, 2023	$26M	1.44%	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 Ontario Public Employees 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 Ontario Public Employees 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 Ontario Public Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ontario Public Employees Federal Credit Union

Website https://www.opefcu.org

Address 202 W B St, Ontario, CA 91762

Phone 909-984-8781

Fax 909-984-4581

President Carol Williams

CEO John Meeks

Full-Time Employees 4

Part-Time Employees 1

Branch Locations 2

ATM Locations 0

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

2.54%

Return on Assets (ROA)

0.7284%

Return on Equity (ROE)

4.7061%

Non-Performing Loans Ratio (NPL)

1.02%

Total Assets

23,182,406

Total Amount of Shares and Deposits

19,345,275

Total Shares and Deposits < 1 Year

19,345,275

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

19,345,275

Total Interest Expense (Sum of items 6 8)

15,051

Share Certificates

Number of Accounts for Share Drafts

778

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,982

Net Income (unless the amount is already included in Undivided Earnings)

168,851

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)

5,608,191

Total Liabilities

19,594,515

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Ontario Public Employees 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.

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Frequently Asked Questions About Ontario Public Employees Federal Credit Union

How many branches does Ontario Public Employees Federal Credit Union operate?

Ontario Public Employees 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 Ontario Public Employees Federal Credit Union?

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

Does Ontario Public Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Ontario Public Employees 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.opefcu.org.