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Santa Barbara County Federal Credit Union

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Santa Barbara County Federal Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Santa Barbara County 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: April 17, 2026

You can compare Santa Barbara County Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.15%, 6-month share certificate rates at 3.68% and 3-month share certificate rates at 3.00%. Savings rates are at 0.15% and money market rates are at 0.04%. Mortgage rates on 30-year fixed loans are around 6.13%. All these rates can be compared to Santa Barbara County Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Santa Barbara County Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.02%. Rates were last updated on 04/17/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.02%

Excellent Lower than avg

Santa Barbara County Federal Credit Union
Main Office

2623 De La Vina St
Santa Barbara, CA 93105 3823

https://www.sbcreditunion.com

Santa Barbara County Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	9.90%
No additional details. Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Santa Barbara County 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 Santa Barbara County 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 Santa Barbara County Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Santa Barbara County Federal Credit Union

Website https://www.sbcreditunion.com

Address 2623 De La Vina St, Santa Barbara, CA 93105 3823

Phone 805-682-3357

Fax 805-569-9047

President William Gillette

CEO Jake Harbour

Full-Time Employees 7

Part-Time Employees 2

Branch Locations 1

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+ (100/100)

Texas Ratio

0.02%

Return on Assets (ROA)

1.2529%

Return on Equity (ROE)

10.3828%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

66,308,997

Total Amount of Shares and Deposits

58,037,180

Total Shares and Deposits < 1 Year

58,037,181

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

2,066,307

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

2,066,307

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

55,970,873

Total Interest Expense (Sum of items 6 8)

287,449

Number of Accounts for Share Drafts

1,680

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,542

All other shares

Money Market Shares

104

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

830,756

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,205,039

Total Liabilities

58,307,744

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Santa Barbara County Federal Credit Union

Is Santa Barbara County Federal Credit Union a safe place to deposit money?

Yes, Santa Barbara County Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.01614747090237%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Santa Barbara County Federal Credit Union operate?

Santa Barbara County 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 Santa Barbara County Federal Credit Union?

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

Does Santa Barbara County Federal Credit Union offer online and mobile banking?

Most modern institutions like Santa Barbara County 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.sbcreditunion.com.