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Central Valley Firefighters Credit Union

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Central Valley Firefighters Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Valley Firefighters 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 and Verified: September 23, 2026

Central Valley Firefighters Credit Union's Personal Loan Rates are as low as 9.49%. MonitorBankRates evaluates the financial stability of Central Valley Firefighters Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.07%. Rates last updated and verified on 09/23/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.07%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Central Valley Firefighters Credit Union
Central Valley Firefighters Credit Union

5300 N FRESNO ST
FRESNO, CA 93710-6828

https://www.cvfirecu.org

Central Valley Firefighters Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles (2023 & newer) Loan	-	-	4.39%	up to 72 months
Details Annual Percentage Rate (Lowest) to Annual Percentage Rate (Highest) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
New Vehicles (2023 & newer) Loan	-	-	5.39%	up to 84 months
Details Annual Percentage Rate (Lowest) to Annual Percentage Rate (Highest) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Used Vehicles (2022 & older) Loan	-	-	5.39%	up to 72 months
Details Annual Percentage Rate (Lowest): 5.39%; Annual Percentage Rate (Highest): 8.89% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Used Vehicles (2022 & older) Loan	-	-	6.39%	up to 84 months
Details Annual Percentage Rate (Lowest): 6.39%; Annual Percentage Rate (Highest): 9.89% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%

Central Valley Firefighters Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat/RV/ATV/Motorcycle Loan	-	6.34%	up to 72 months
Details Loan Amount: Up to $125,000; Annual Percentage Rate (Highest): 9.84% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Boat/RV/ATV/Motorcycle Loan	-	7.34%	84 months
Details Loan Amount: Up to $125,000; Annual Percentage Rate (Highest): 10.84% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Boat/RV/ATV/Motorcycle Loan	-	8.34%	120 months
Details Loan Amount: Up to $125,000; Annual Percentage Rate (Highest): 11.84% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Boat/RV/ATV/Motorcycle Loan	-	9.34%	144 months
Details Loan Amount: Up to $125,000; Annual Percentage Rate (Highest): 12.84% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Boat/RV/ATV/Motorcycle Loan	-	10.34%	180 months
Details Loan Amount: Up to $125,000; Annual Percentage Rate (Highest): 13.84% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%

Central Valley Firefighters Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	9.49%	up to 60 months
Details Additional APR listed for this product: 14.99%. Annual Percentage Rate (Lowest) to Annual Percentage Rate (Highest) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Personal Lines of Credit Loan	10.00%	Revolving
Details Additional APR listed for this product: 15.50%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%

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

Central Valley Firefighters Credit Union’s Texas Ratio rose from 1.04% in Q2 2023 to 2.07% in Q1 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

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
March 31, 2026	$50M	2.07%	5.0	A+
December 31, 2025	$48M	3.07%	5.0	A+
September 30, 2025	$48M	1.65%	5.0	A+
June 30, 2025	$47M	2.08%	5.0	A+
March 31, 2025	$47M	0.80%	5.0	A+
December 31, 2024	$46M	1.10%	5.0	A+
September 30, 2024	$46M	2.00%	5.0	A+
June 30, 2024	$47M	1.89%	5.0	A+
March 31, 2024	$47M	3.38%	5.0	A+
December 31, 2023	$46M	1.02%	5.0	A+
September 30, 2023	$47M	0.50%	5.0	A+
June 30, 2023	$47M	1.04%	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 Central Valley Firefighters 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 Central Valley Firefighters 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 Central Valley Firefighters Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Central Valley Firefighters Credit Union

Website https://www.cvfirecu.org

Address 5300 N FRESNO ST, FRESNO, CA 93710-6828

Phone 559-228-1997

Fax 559-228-0350

President JOSHUA SELLERS

CEO Emily Morton

Full-Time Employees 6

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+ (99/100)

Texas Ratio

2.07%

Return on Assets (ROA)

0.2629%

Return on Equity (ROE)

1.9946%

Non-Performing Loans Ratio (NPL)

0.54%

Total Assets

49,932,667

Total Amount of Shares and Deposits

42,924,430

Total Shares and Deposits < 1 Year

42,532,133

Total Shares and Deposits 1 3 Years

392,297

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

2,337,808

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

2,337,808

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

40,586,622

Total Interest Expense (Sum of items 6 8)

74,078

Share Certificates

196

Number of Accounts for Share Drafts

1,736

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,349

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)

3,499,099

Total Liabilities

43,348,266

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Central Valley Firefighters Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Central Valley Firefighters Credit Union

How many branches does Central Valley Firefighters Credit Union operate?

Central Valley Firefighters 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 Central Valley Firefighters Credit Union?

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

Does Central Valley Firefighters Credit Union offer online and mobile banking?

Most modern institutions like Central Valley Firefighters 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.cvfirecu.org.