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SONOMA Rates & Review March 2026

Q: Is SONOMA a safe place to deposit money?

Yes, SONOMA is considered a safe financial institution. With a Texas Ratio of 3.847339449241%, 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.

Q: How many branches does SONOMA operate?

SONOMA currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join SONOMA?

Yes, to access services at SONOMA, 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.

Q: Is there a first-time homebuyer program?

Currently, SONOMA 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, SONOMA 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: March 28, 2026

You can compare SONOMA rates to other rates in our database, including 12-month share certificate rates currently at 0.00%, 6-month share certificate rates at 1.46% and 3-month share certificate rates at 0.75%. Savings rates are at 0.05% and money market rates are at 1.40%. Mortgage rates on 30-year fixed loans are around 6.12%. All these rates can be compared to SONOMA rates. MonitorBankRates evaluates the financial stability of SONOMA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.85%. Rates were last updated on 03/28/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.85%

Excellent Lower than avg

Bellevue State Bank
Sonoma Federal Credit Union

1194 Montgomery Dr
Santa Rosa, CA 95405 4802

http://www.sonomafed.com

Current Rate Availability

We do not have SONOMA rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for SONOMA 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 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's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SONOMA

Website http://www.sonomafed.com

Address 1194 Montgomery Dr, Santa Rosa, CA 95405 4802

Phone 707-527-6216

Fax 707-527-6835

President Kimberly Butler

CEO Renee Rayhill

Full-Time Employees 12

Part-Time Employees 1

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+ (98/100)

Texas Ratio

3.85%

Return on Assets (ROA)

1.0711%

Return on Equity (ROE)

8.8996%

Non-Performing Loans Ratio (NPL)

0.68%

Total Assets

81,243,049

Total Amount of Shares and Deposits

71,239,814

Total Shares and Deposits < 1 Year

49,094,745

Total Shares and Deposits 1 3 Years

11,668,865

Total Shares and Deposits > 3 Years

10,476,204

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

11,107,263

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

11,107,263

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

60,132,551

Total Interest Expense (Sum of items 6 8)

1,690,566

Share Certificates

718

Number of Accounts for Share Drafts

941

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,052

All other shares

102

Non Member Deposits

Money Market Shares

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

870,168

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

889,147

Total Liabilities

71,465,487

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for SONOMA yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About SONOMA

Is SONOMA a safe place to deposit money?

Yes, SONOMA is considered a safe financial institution. With a Texas Ratio of 3.847339449241%, 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 SONOMA operate?

SONOMA 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?

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

Does SONOMA offer online and mobile banking?

Most modern institutions like SONOMA 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.