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Rize Federal Credit Union

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Rize Federal Credit Union Rates & Review November 2026

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

Current rates for Rize Federal Credit Union include: 12-Month CD: 3.75%, 18-Month CD: 4.00%, 24-Month CD: 3.00%, 60-Month CD: 4.25%, Savings: 4.00%, MMA: 3.60%

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

Rize Federal Credit Union CD rates are 3.75% APY for a 12 month CD, 4.00% APY for an 18 month CD, 3.00% APY for a 2 year CD, 4.00% APY for a 4 year CD and 4.25% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Rize Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Rize Federal Credit Union's 24-month Impact CD rates are at 3.00%, IRA CD Accounts - 60 month rates are at 4.25%, IRA CD Accounts - 18 month rates are at 4.00%, IRA CD Accounts - 48 month rates are at 4.00%, IRA CD Accounts - 12 month rates are at 3.75%. Rize Federal Credit Union's savings rates are at 4.00%. Rize Federal Credit Union's money market rates are at 3.60%. Rize Federal Credit Union's checking rates are as high as 7.50%. Rize Federal Credit Union's Personal Loan Rates are as low as 9.00%. Rize Federal Credit Union's Credit Card Rates are at 12.25%. Rize Federal Credit Union's CD rates are 28% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Rize Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.24%. Rates last updated and verified on 10/28/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.24%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Rize Federal Credit Union
Corporate Office

12701 Schabarum Ave
Irwindale, CA 91706

https://www.scefcu.org

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.

Rize Federal Credit Union CD Rates

Product	Rate	APY	Term
IRA Certificate Accounts - 60 month	4.17%	4.25%	60 months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 4.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
IRA Certificate Accounts - 18 month	3.93%	4.00%	18 months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 4.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
IRA Certificate Accounts - 48 month	3.93%	4.00%	48 months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 4.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
IRA Certificate Accounts - 12 month	3.69%	3.75%	12 months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
IRA Certificate Accounts - 24 month	3.20%	3.25%	24 months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
IRA Certificate Accounts - 36 month	3.20%	3.25%	36 months
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
24-month Impact Certificate	2.96%	3.00%	24 months
Details Online opening only; a donation of 2% of opening deposit is paid by Rize CU to the Center for Financial Empowerment or CA Wildfire Relief over 12 months; donation forfeited if any portion withdrawn before term ends; donation not tax-deductible; early withdrawal subject to penalty Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%

Rize Federal Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings	3.93%	4.00%
Min Balance $0 Details Balance: <= $25,000; Requires minimum monthly average daily balance of $500, minimum $25 per month auto transfer from Rize checking, digital banking and eStatements enrollment Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
High-Yield Savings	1.98%	2.00%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000; Requires minimum monthly average daily balance of $500, minimum $25 per month auto transfer from Rize checking, digital banking and eStatements enrollment Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
IRA Savings Accounts	0.10%	0.10%
Min Balance $0 Details Balance: $0 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Super Saver	0.10%	0.10%
Min Balance $0 Details Balance: $0 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Youth Super Saver	0.10%	0.10%
Min Balance $0 Details Balance: $0; Open to members under 18 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Health Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
High-Yield Savings	0.05%	0.05%
Min Balance $50,000 Details Balance: > $50,000; Requires minimum monthly average daily balance of $500, minimum $25 per month auto transfer from Rize checking, digital banking and eStatements enrollment Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Prime Savings	0.05%	0.05%
Min Balance $250 Details Balance: $250 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Vacation & Holiday Club	0.05%	0.05%
Min Deposit $10 Min Balance $0 Details Balance: $0; $10 opening deposit with one scheduled distribution per year on June 1; early withdrawal fee of $15 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Youth Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0; Open to members under 18 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%

Rize Federal Credit Union Money Market Rates

Product	Rate	APY
High-Yield IRA Money Market Accounts	3.54%	3.60%
Min Balance $100,000 Details Balance: $100,000.01 or > Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
High-Yield IRA Money Market Accounts	3.06%	3.10%
Min Balance $25,000 Details Balance: $25,000.01 - $100,000 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
High-Yield IRA Money Market Accounts	2.57%	2.60%
Min Balance $0 Details Balance: $0 - $25,000 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 2.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%

Rize Federal Credit Union Checking Rates

Product	Rate	APY	View More
RizeTM Checking	7.25%	7.50%
Details Qualifications Required; Balance: <= $10,000; Online Only Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 7.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%

Rize Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Traditional HELOC	7.00%	-	7.00%
Details Owner Occupied; Rate range: 7.00% - 12.00% Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Home Equity Interest-Only HELOC	-	-	7.25%
Details Published APR range: 7.25% - 9.50%. Owner Occupied only; no annual cap; minimum loan amount $25,000; Prime Rate plus 0% - 5% margin based on LTV; not available on non-owner occupied dwellings Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Home Equity Loan - Owner Occupied	-	-	7.25%
Details Published APR range: 7.25% - 9.75%. Available in California and Nevada only; Prime-based margin and LTV; subject to creditworthiness Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Home Equity Loan - Owner Occupied	-	-	7.75%	15 years
Details Published APR range: 7.75% - 10.25%. Available in California and Nevada only; Prime-based margin and LTV; subject to creditworthiness Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Traditional HELOC	8.00%	-	8.00%
Details Non-Owner Occupied; Rate range: 8.00% - 10.00% Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Home Equity Loan - Owner Occupied	-	-	8.25%	20 years
Details Published APR range: 8.25% - 10.75%. Available in California and Nevada only; Prime-based margin and LTV; subject to creditworthiness Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
100% CLTV Home Equity Loan - Owner Occupied	-	-	8.50%	10 years
Details Published APR range: 8.50% - 11.00%. Available in California and Nevada only; Prime-based margin and LTV; subject to creditworthiness Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Home Equity Loan - Non-Owner Occupied	-	-	8.50%
Details Published APR range: 8.50% - 9.50%. Available in California and Nevada only; Prime-based margin and LTV; subject to creditworthiness Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Home Equity Loan - Non-Owner Occupied	-	-	9.00%	15 years
Details Published APR range: 9.00% - 10.00%. Available in California and Nevada only; Prime-based margin and LTV; subject to creditworthiness Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%

Rize Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Value Loan	-	-	4.99%
Details Published APR range: 4.99% - 13.99%. Min Loan Amt: $5,000; Certified appraisal required; Inspection may be required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Vehicle Value Loan	-	-	5.49%	5 years
Details Published APR range: 5.49% - 14.49%. Min Loan Amt: $10,000; Certified appraisal required; Inspection may be required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Auto Loan	-	-	5.99%	6 years
Details Published APR range: 5.99% - 14.99%. Min Loan Amt: $15,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Classic Auto Loans	-	-	5.99%
Details APR range: 5.99% - 9.49%; Min Loan Amt: $5,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
First-Time Buyer Auto Loan	-	-	5.99%
Details Published APR range: 5.99% - 14.99%. Min Loan Amt: $5,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Vehicle Value Loan	-	-	5.99%	6 years
Details Published APR range: 5.99% - 9.49%. Min Loan Amt: $15,000; Certified appraisal required; Inspection may be required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Auto Loan	-	-	6.49%	7 years
Details Published APR range: 6.49% - 9.99%. Min Loan Amt: $25,000; Teen Auto Loans only available up to 6 years Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Classic Auto Loans	-	-	6.49%	5 years
Details APR range: 6.49% - 9.99%; Min Loan Amt: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
First-Time Buyer Auto Loan	-	-	6.49%	5 years
Details Published APR range: 6.49% - 15.49%. Min Loan Amt: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Classic Auto Loans	-	-	6.99%	6 years
Details APR range: 6.99% - 10.49%; Min Loan Amt: $15,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
First-Time Buyer Auto Loan	-	-	6.99%	6 years
Details Published APR range: 6.99% - 15.99%. Min Loan Amt: $15,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Classic Auto Loans	-	-	7.49%	7 years
Details APR range: 7.49% - 9.49%; Min Loan Amt: $25,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%

Rize Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	6.49%
Details Published APR range: 6.49% - 15.49%. Min Loan Amt: $5,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
RV, Boat & Sport Loan	-	6.49%
Details Published APR range: 6.49% - 15.49%. Min Loan Amt: $2,500 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Motorcycle Loan	-	6.99%	5 years
Details Published APR range: 6.99% - 15.99%. Min Loan Amt: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
RV, Boat & Sport Loan	-	6.99%	5 years
Details Published APR range: 6.99% - 15.99%. Min Loan Amt: $15,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
First-Time Buyer Motorcycle Loan	-	7.49%
Details Published APR range: 7.49% - 16.49%. Min Loan Amt: $5,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
RV, Boat & Sport Loan	-	7.49%	6 years
Details Published APR range: 7.49% - 16.49%. Min Loan Amt: $15,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
First-Time Buyer Motorcycle Loan	-	7.99%	5 years
Details Published APR range: 7.99% - 16.99%. Min Loan Amt: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Motorcycle Loan	-	7.99%	7 years
Details Published APR range: 7.99% - 11.49%. Min Loan Amt: $25,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
RV, Boat & Sport Loan	-	7.99%	7 years
Details Published APR range: 7.99% - 11.49%. Min Loan Amt: $30,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
First-Time Buyer Motorcycle Loan	-	8.49%	6 years
Details Published APR range: 8.49% - 17.49%. Min Loan Amt: $15,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
RV, Boat & Sport Loan	-	8.49%	8 - 9 years
Details Published APR range: 8.49% - 11.99%. Min Loan Amt: $30,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
RV, Boat & Sport Loans	-	8.99%	10 - 11 years
Details APR range: 8.99% - 12.49%; Min Loan Amt: $50,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
RV, Boat & Sport Loan	-	9.49%	12 - 15 years
Details Published APR range: 9.49% - 12.99%. Min Loan Amt: $50,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%

Rize Federal Credit Union Credit Card Rates

Product	Rate	APR
Teen Platinum Visa	-	12.25%
Details Intro rate expires: six billing cycles; Regular APR: 12.25% (Fixed APR); Teens must be at least 16 years old; parent required on account and must meet credit qualifications; $500 limit for Teens Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 12.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Platinum Visa	-	13.75%
Details Published APR range: 13.75% - 18.00%. Intro rate expires: six billing cycles; Regular APR: 13.75% - 18.00% (Variable APR); Variable rates based on Prime Rate plus a 6.75% - 14.00% margin Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 13.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Secured Platinum Visa	-	16.75%
Details Variable APR; no intro rate Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 16.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%

Rize Federal Credit Union Personal Loan Rates

Product	APR	Term
Personalized Loan	9.00%	2 years
Details Published APR range: 9.00% - 14.00%. Min Loan Amt: $250; Includes Debt Consolidation, Forever Family, Home Care, Medical, Quinceanera, Relocation or Moving, and Everything Else loans Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Personalized Loan	10.00%	4 years
Details Published APR range: 10.00% - 15.00%. Min Loan Amt: $2,500; Includes Debt Consolidation, Forever Family, Home Care, Medical, Quinceanera, Relocation or Moving, and Everything Else loans Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Personalized Loan	11.00%	5 years
Details Published APR range: 11.00% - 16.00%. Min Loan Amt: $5,000; Includes Debt Consolidation, Forever Family, Home Care, Medical, Quinceanera, Relocation or Moving, and Everything Else loans Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 11.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%

Rize Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Classic Loan	-	-	5.99%
Details Published APR range: 5.99% - 9.49%. Min Loan Amt: $5,000; Certified appraisal required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Classic Loan	-	-	6.49%	5 years
Details Published APR range: 6.49% - 9.99%. Min Loan Amt: $10,000; Certified appraisal required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Classic Loan	-	-	6.99%	6 years
Details Published APR range: 6.99% - 10.49%. Min Loan Amt: $15,000; Certified appraisal required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Classic Loan	-	-	7.49%	7 years
Details Published APR range: 7.49% - 9.49%. Min Loan Amt: $25,000; Certified appraisal required Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Credit Builder Loan	-	-	5.50%	9 months
Details Min Loan Amt: $250; Teen Credit Builder Loans only - ages 16 to 17 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Credit Builder Loan	-	-	5.50%	2 years
Details Min Loan Amt: $500 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Credit Builder Loan	-	-	6.50%	5 years
Details Min Loan Amt: $5,000 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Line of Credit	-	-	14.25%	Revolving
Details Published APR range: 14.25% - 18.00%. Daily Periodic Rate: 0.039041%-0.049315% Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 14.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Lines of Credit - Revolving Loan	-	-	14.25%	Revolving
Details APR range: 14.25% - 18.00%; Daily Periodic Rate: 0.039041% - 0.049315% Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 14.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Commercial Advantage	0.05%	-	0.05%
Min Balance $0 Details Balance: $0 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%

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

Rize Federal Credit Union’s Texas Ratio rose from 3.45% in Q3 2023 to 6.24% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$1.3B	6.24%	5.0	A
March 31, 2026	$1.3B	6.34%	5.0	A
December 31, 2025	$1.3B	6.55%	5.0	A
September 30, 2025	$1.2B	4.45%	5.0	A+
June 30, 2025	$1.2B	3.76%	5.0	A+
March 31, 2025	$1.2B	4.83%	5.0	A+
December 31, 2024	$1.2B	6.44%	5.0	A
September 30, 2024	$1.2B	5.49%	5.0	A+
June 30, 2024	$1.1B	4.52%	5.0	A+
March 31, 2024	$1.1B	3.81%	5.0	A+
December 31, 2023	$1.1B	4.29%	5.0	A+
September 30, 2023	$1.0B	3.45%	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 Rize 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 Rize 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 Rize Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Rize Federal Credit Union

Website https://www.scefcu.org

Address 12701 Schabarum Ave, Irwindale, CA 91706

Phone 626-960-6888

Fax 626-646-2255

President Michael Maxwell

CEO Jennifer Oliver

Full-Time Employees 182

Part-Time Employees 17

Branch Locations 10

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.24%

Return on Assets (ROA)

-0.1403%

Return on Equity (ROE)

-1.3513%

Non-Performing Loans Ratio (NPL)

0.89%

Total Assets

1,293,726,752

Total Amount of Shares and Deposits

1,055,128,521

Total Shares and Deposits < 1 Year

926,257,997

Total Shares and Deposits 1 3 Years

109,639,224

Total Shares and Deposits > 3 Years

19,231,299

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

101,902,895

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

101,902,895

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

953,225,626

Total Interest Expense (Sum of items 6 8)

14,553,174

Share Certificates

6,399

Number of Accounts for Share Drafts

53,474

IRA KEOGH Accounts

2,300

Number of Accounts for Regular Shares

98,567

Non Member Deposits

Money Market Shares

7,763

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)

54,651,846

Total Liabilities

1,203,085,393

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Rize Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Rize Federal Credit Union

Does Rize Federal Credit Union offer CDs?

Yes. Rize Federal Credit Union current CD rates include its IRA CD Accounts - 60 month at 4.25% APY, its IRA CD Accounts - 18 month at 4.00% APY and its IRA CD Accounts - 48 month at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Rize Federal Credit Union NCUA insured?

Yes. Rize 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 Rize Federal Credit Union?

The highest Rize Federal Credit Union CD rate is its IRA CD Accounts - 60 month at 4.25% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Rize Federal Credit Union offer?

Rize Federal Credit Union CD rates are 3.75% APY for a 12 month CD, 4.00% APY for an 18 month CD, 3.00% APY for a 2 year CD, 4.00% APY for a 4 year CD and 4.25% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Rize Federal Credit Union for its full lineup.

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

The highest Rize Federal Credit Union savings rate is its High-Yield Savings at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.

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

The highest Rize Federal Credit Union money market rate is its High-Yield IRA Money Market Accounts at 3.60% APY, verified by MonitorBankRates as of October 28, 2026.

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

The lowest Rize Federal Credit Union auto loan rate is its Vehicle Value Loan at 4.99% APR, verified by MonitorBankRates as of October 28, 2026.

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

The lowest Rize Federal Credit Union personal loan rate is its Personalized Loan at 9.00% APR, verified by MonitorBankRates as of October 28, 2026.

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

The lowest Rize Federal Credit Union credit card APR is its Teen Platinum Visa Credit Card at 12.25% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Rize Federal Credit Union operate?

Rize 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 Rize Federal Credit Union?

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

Does Rize Federal Credit Union offer online and mobile banking?

Most modern institutions like Rize 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.scefcu.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 Rize Federal Credit Union rates compare?

Rize Federal Credit Union's CD rates are 28% higher than the MonitorBankRates national average, and it has an A health rating. Rize Federal Credit Union's top rates are its IRA CD Accounts - 60 month at 4.25% APY, its High-Yield Savings at 4.00% APY, its High-Yield IRA Money Market Accounts at 3.60% APY, its RizeTM Checking at 7.50% APY, its Personalized Loan at 9.00% APR and its Teen Platinum Visa Credit Card at 12.25% APR, verified by MonitorBankRates on October 28, 2026.

Current Rize Federal Credit Union Rates

12-Month CD3.75%
18-Month CD4.00%
24-Month CD3.00%
60-Month CD4.25%
Savings4.00%
MMA3.60%

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

Compare to Other Credit Unions

Rize Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Rize Federal Credit Union Texas Ratio

Rize Federal Credit Union Health Trend

Rize Federal Credit Union CD Rates

Rize Federal Credit Union Savings Rates

Rize Federal Credit Union Money Market Rates

Rize Federal Credit Union Checking Rates

Rize Federal Credit Union Home Equity & HELOC

Rize Federal Credit Union Auto Loan Rates

Rize Federal Credit Union RV, Boat and Powersport Loan Rates

Rize Federal Credit Union Credit Card Rates

Rize Federal Credit Union Personal Loan Rates

Rize Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Rize Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Rize Federal Credit Union

Does Rize Federal Credit Union offer CDs?

Are CDs from Rize Federal Credit Union NCUA insured?

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

What CD terms does Rize Federal Credit Union offer?

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

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

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

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

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

How many branches does Rize Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Rize 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 Rize Federal Credit Union rates compare?

Current Rize Federal Credit Union Rates

Compare to Other Credit Unions