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 San Joaquin Power Employees Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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 29, 2026
San Joaquin Power Employees Credit Union's First Mortgage Owner Occupied - 15 Year rates are at 5.79%, First Mortgage Owner Occupied - 30 Year rates are at 6.29%, First Mortgage Non-Owner Occupied rates are at 6.79%. San Joaquin Power Employees Credit Union's Personal Loan Rates are as low as 6.95%. San Joaquin Power Employees Credit Union's mortgage rates are 14% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of San Joaquin Power Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.17%. Rates last updated and verified on 10/29/2026. San Joaquin Power Employees 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 San Joaquin Power Employees Credit Union? Share your experience about San Joaquin Power Employees Credit Union by leaving a review below, or read customer reviews before you decide to use San Joaquin Power Employees Credit Union. San Joaquin Power Employees Credit Union
SAN JOAQUIN POWER EMPLOYEES CREDIT UNION 1080 W SHAW AVE STE 109
https://www.sjpecu.org FRESNO, CA 93711  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. San Joaquin Power Employees Credit Union Savings Rates
San Joaquin Power Employees Credit Union Mortgage Rates
San Joaquin Power Employees Credit Union Home Equity & HELOC
San Joaquin Power Employees Credit Union Auto Loan Rates
San Joaquin Power Employees Credit Union RV, Boat and Powersport Loan Rates
San Joaquin Power Employees Credit Union Personal Loan Rates
San Joaquin Power Employees Credit Union Other Rates
Financial Health HistorySan Joaquin Power Employees Credit Union’s Texas Ratio stayed near 0.36% in Q3 2023 to 0.17% 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for San Joaquin Power Employees 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 San Joaquin Power Employees 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 San Joaquin Power Employees Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
San Joaquin Power Employees Credit Union
Website
https://www.sjpecu.org
Address
1080 W SHAW AVE STE 109,
FRESNO, CA 93711
Phone
559-230-5080
Fax
559-230-5097
President
ANNETTE ROBBINS
CEO
Marc Bradford
Full-Time Employees
7
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.17%
Return on Assets (ROA)
0.2763%
Return on Equity (ROE)
1.7953%
Non-Performing Loans Ratio (NPL)
0.04%
Total Assets
174,851,758
Total Amount of Shares and Deposits
144,857,304
Total Shares and Deposits < 1 Year
144,857,304
Total Insured Shares and Deposits > $250K (item 17 less item K)
144,857,304
Total Interest Expense (Sum of items 6 8)
2,881,223
Number of Accounts for Regular Shares
6,682
Net Income (unless the amount is already included in Undivided Earnings)
498,636
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)
5,535,775
Total Liabilities
147,945,464
Source: NCUA — Last Updated 06/30/2026
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Frequently Asked Questions About San Joaquin Power Employees Credit UnionWhat is the lowest mortgage rate at San Joaquin Power Employees Credit Union?The lowest San Joaquin Power Employees Credit Union mortgage rate is its First Mortgage Owner Occupied - 15 Year at 5.79% APR, verified by MonitorBankRates as of October 29, 2026. San Joaquin Power Employees Credit Union mortgage rates are 6.29% APR for a 30 year mortgage and 5.79% APR for a 15 year mortgage. What is the lowest home equity rate at San Joaquin Power Employees Credit Union?The lowest San Joaquin Power Employees Credit Union home equity rate is its Solar Home Equity Loan-Owner Occupied at 7.04% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at San Joaquin Power Employees Credit Union?The lowest San Joaquin Power Employees Credit Union personal loan rate is its Signature Loans at 6.95% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does San Joaquin Power Employees Credit Union operate?San Joaquin Power Employees 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 San Joaquin Power Employees Credit Union?Yes, to access services at San Joaquin Power Employees 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, San Joaquin Power Employees 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, San Joaquin Power Employees Credit Union provides members with tools to manage their accounts and build a solid financial history. Does San Joaquin Power Employees Credit Union offer online and mobile banking?Most modern institutions like San Joaquin Power Employees 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.sjpecu.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 San Joaquin Power Employees Credit Union rates compare?San Joaquin Power Employees Credit Union's mortgage rates are 14% lower than the MonitorBankRates national average, and it has an A+ health rating. San Joaquin Power Employees Credit Union's top rates are its First Mortgage Owner Occupied - 15 Year at 5.79% and its Signature Loans at 6.95% APR, verified by MonitorBankRates on October 29, 2026. Compare to Other Credit Unions
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