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Advertiser Disclosure
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Sonoma 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.
Read Full Bio →
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 30, 2026
Sonoma Credit Union's RV, Boat and Powersport Loan Rates are as low as 14.50%. MonitorBankRates evaluates the financial stability of Sonoma Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.28%. Rates last updated and verified on 10/30/2026. Sonoma 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 Sonoma Credit Union? Share your experience about Sonoma Credit Union by leaving a review below, or read customer reviews before you decide to use Sonoma Credit Union. Sonoma Credit Union
Sonoma Federal Credit Union 917 College Ave
http://www.sonomafed.com Santa Rosa, CA 95404-4110  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. Sonoma Credit Union RV, Boat and Powersport Loan Rates
Sonoma Credit Union Other Rates
Financial Health HistorySonoma Credit Union’s Texas Ratio rose from 1.64% in Q3 2023 to 3.28% 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 Sonoma 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 Sonoma 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 Sonoma Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Sonoma Credit Union
Website
http://www.sonomafed.com
Address
917 College Ave,
Santa Rosa, CA 95404-4110
Phone
707-527-6216
Fax
707-527-6835
President
Kimberly Butler
CEO
David Powell
Full-Time Employees
10
Part-Time Employees
1
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.28%
Return on Assets (ROA)
0.8330%
Return on Equity (ROE)
6.1712%
Non-Performing Loans Ratio (NPL)
0.63%
Total Assets
79,967,874
Total Amount of Shares and Deposits
68,980,457
Total Shares and Deposits < 1 Year
41,902,282
Total Shares and Deposits 1 3 Years
19,475,817
Total Shares and Deposits > 3 Years
7,602,358
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,094,661
Total Uninsured Shares and Deposits > $250K (F+J)
11,094,661
Total Insured Shares and Deposits > $250K (item 17 less item K)
57,885,796
Total Interest Expense (Sum of items 6 8)
1,027,390
Share Certificates
625
Number of Accounts for Share Drafts
997
IRA KEOGH Accounts
229
Number of Accounts for Regular Shares
1,991
All other shares
136
Non Member Deposits
16
Money Market Shares
43
Net Income (unless the amount is already included in Undivided Earnings)
666,108
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)
2,345,443
Total Liabilities
69,174,088
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Sonoma Credit UnionHow many branches does Sonoma Credit Union operate?Sonoma 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 Sonoma Credit Union?Yes, to access services at Sonoma 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, Sonoma 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, Sonoma Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Sonoma Credit Union offer online and mobile banking?Most modern institutions like Sonoma 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: http://www.sonomafed.com. 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 Sonoma Credit Union rates compare?Sonoma Credit Union's top rate is its Motorcycle Loan at 14.50% APR, verified by MonitorBankRates on October 30, 2026. Compare to Other Credit Unions
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