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Cooperative Center Federal Credit Union

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Cooperative Center Federal Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cooperative Center 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 23, 2026

You can compare Cooperative Center Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.89%, 6-month share certificate rates at 0.50% and 3-month share certificate rates at 2.78%. Savings rates are at 0.20% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 6.26%. All these rates can be compared to Cooperative Center Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Cooperative Center Federal Credit Union with a 4.6 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 6.89%. Rates were last updated on 04/23/2026.

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

Overall Health & Safety Grade

A-

Very Good Health Score: 92/100

MonitorBankRates Rating

4.6

Excellent Out of 5.0 Stars

Texas Ratio

6.89%

Excellent Higher than avg

Cooperative Center Federal Credit Union
COOPERATIVE CENTER FCU Headquarter

634 Ferry St
Martinez, CA 94553 1126

https://www.coopfcu.org

Current Rate Availability

We do not have Cooperative Center Federal Credit Union 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 Cooperative Center 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 Cooperative Center 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 Cooperative Center Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cooperative Center Federal Credit Union

Website https://www.coopfcu.org

Address 634 Ferry St, Martinez, CA 94553 1126

Phone 510-845-6428

Fax

President Celeste McAllister

CEO Fadhila Holman

Full-Time Employees 18

Part-Time Employees 0

Branch Locations 1

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.6 / 5.0 ★

Overall Health & Safety Grade

A- (92/100)

Texas Ratio

6.89%

Return on Assets (ROA)

0.0617%

Return on Equity (ROE)

0.9364%

Non-Performing Loans Ratio (NPL)

0.78%

Total Assets

126,460,499

Total Amount of Shares and Deposits

117,555,416

Total Shares and Deposits < 1 Year

113,036,799

Total Shares and Deposits 1 3 Years

4,301,092

Total Shares and Deposits > 3 Years

217,525

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

4,097,051

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

4,848,013

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

112,707,403

Total Interest Expense (Sum of items 6 8)

112,952

Share Certificates

317

Number of Accounts for Share Drafts

4,375

IRA KEOGH Accounts

472

Number of Accounts for Regular Shares

8,298

Non Member Deposits

Money Market Shares

180

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

13,396,580

Total Liabilities

118,246,726

Source: NCUA — Last Updated 03/31/2024

Customer Reviews

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Frequently Asked Questions About Cooperative Center Federal Credit Union

Is Cooperative Center Federal Credit Union a safe place to deposit money?

Yes, Cooperative Center Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 6.8859609222711%, 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 Cooperative Center Federal Credit Union operate?

Cooperative Center 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 Cooperative Center Federal Credit Union?

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

Does Cooperative Center Federal Credit Union offer online and mobile banking?

Most modern institutions like Cooperative Center 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.coopfcu.org.