What are the current interest rates at Farmers Insurance Federal Credit Union?

Current rates for Farmers Insurance Federal Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 2.75%, 24-Month CD: 2.75%, 60-Month CD: 3.75%, Savings: 2.75%, MMA: 0.50%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Farmers Insurance Federal Credit Union

iAdvertiser Disclosure

Farmers Insurance Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Farmers Insurance 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 and Verified: October 7, 2026

Farmers Insurance Federal Credit Union's top rates as of October 7, 2026 are 4.15% APY on its 60 Month CD of Deposit, 2.75% APY on savings, 0.50% APY on money market accounts, and 5.00% APY on checking, according to rates verified by MonitorBankRates. Other Farmers Insurance Federal Credit Union CD rates include 60 Month IRA CD at 4.15%, 3-Month CD at 4.00%, and 60 Month CD of Deposit at 4.00%. MonitorBankRates evaluates the financial stability of Farmers Insurance Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.30%. Rates last updated and verified on 10/07/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.30%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Farmers Insurance Federal Credit Union
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION

2255 N Ontario St
Burbank, CA 91504

https://www.figfcu.org

Customer Reviews

Be the first to review

Write a Review

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.

Farmers Insurance Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Certificate of Deposit	-	4.15%	60 months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
60 Month IRA Certificate	-	4.15%	60 months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00% Oct 7, 20264.15%▲ from 4.00% Oct 2, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
3-Month Certificate	-	4.00%	3-Month
Details No minimum deposit. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
60 Month Certificate of Deposit	-	4.00%	60 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
60 Month IRA Certificate	-	4.00%	60 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 7, 20264.00%▲ from 3.75% Oct 2, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
9-Month No Penalty CD	-	4.00%	9-Month
Details Limited time, new funds only. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Limited Time 3 Month Share Certificate	3.93%	4.00%	3 months
Min Deposit $1,000 Min Balance $1,000 Details Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Limited Time 6 Month Share Certificate	3.93%	4.00%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Limited Time Offer No Penalty 9-Month Certificate Account	3.93%	4.00%	9 months
Min Deposit $1,000 Min Balance $1,000 Details No withdrawals within the first 30 days; One withdrawal, partial withdrawal, or closure allowed per calendar month after the initial 30 days. IRA Share Certificates do not qualify for this promotion. Deposit must be new funds to the Credit Union and may not be transferred or withdrawn and deposited back into the Credit Union from any existing Credit Union account. No additional deposits accepted (other than dividends) during certificate term. Normal substantial penalty for early withdrawal of Certificate funds will be waived as follows: 1) No withdrawals within the first 30 days of setting up the certificate 2) One withdrawal, partial withdrawal, or closure allowed per calendar month after the initial 30 days. Fees and other conditions may reduce earnings. The Limited Time No Penalty 9-Month Certificate will automatically roll over to a 9-month Certificate at maturity. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
48 Month IRA Certificate	-	3.90%	48 months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75% Oct 7, 20263.90%▲ from 3.75% Oct 2, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
60 Month Certificate of Deposit	-	3.90%	60 months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
60 Month IRA Certificate	-	3.90%	60 months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90% Oct 7, 20263.90%▼ from 4.00% Oct 2, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
48 Month IRA Certificate	-	3.75%	48 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 7, 20263.75%▲ from 3.50% Oct 2, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
60 Month Certificate of Deposit	-	3.75%	60 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
60 Month IRA Certificate	-	3.75%	60 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
36 Month Certificate of Deposit	-	3.65%	36 months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
36 Month IRA Certificate	-	3.65%	36 months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Oct 7, 20263.65%▲ from 3.50% Oct 2, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
48 Month Certificate of Deposit	-	3.65%	48 months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
48 Month IRA Certificate	-	3.65%	48 months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65% Oct 7, 20263.65%▼ from 3.75% Oct 2, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
36 Month Certificate of Deposit	-	3.50%	36 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
36 Month IRA Certificate	-	3.50%	36 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 7, 20263.50%▲ from 3.25% Oct 2, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
48 Month Certificate of Deposit	-	3.50%	48 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
48 Month IRA Certificate	-	3.50%	48 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
36 Month Certificate of Deposit	-	3.40%	36 months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
36 Month IRA Certificate	-	3.40%	36 months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History 1 change since Oct 2, 2026 · 3.50% → 3.40% ▼ 0.10 pts · high 3.50% / low 3.40% Oct 7, 20263.40%▼ from 3.50% Oct 2, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
48 Month Certificate of Deposit	-	3.40%	48 months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
12 Month Certificate of Deposit	-	3.25%	12 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
12 Month IRA Certificate	-	3.25%	12 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
36 Month Certificate of Deposit	-	3.25%	36 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
36 Month IRA Certificate	-	3.25%	36 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
48 Month Certificate of Deposit	-	3.25%	48 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
30 Month Certificate of Deposit	-	3.00%	30 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
30 Month IRA Certificate	-	3.00%	30 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
9 Month Certificate of Deposit	-	2.85%	9 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
18 Month Certificate of Deposit	-	2.75%	18 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
18 Month IRA Certificate	-	2.75%	18 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
24 Month Certificate of Deposit	-	2.75%	24 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
24 Month IRA Certificate	-	2.75%	24 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
6 Month Certificate of Deposit	-	2.75%	6 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
3 Month Certificate of Deposit	-	2.00%	3 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Farmers Insurance Federal Credit Union Savings Rates

Product	Rate	APY
Online Savings	-	2.75%
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
High Yield IRA Savings	-	2.25%
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Rainy Day Savings	-	1.75%
Details Published APY range: 1.75% \| 0.10%. Balance: up to $2,000 and over $2,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Health Savings	-	1.25%
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Club Accounts	-	0.25%
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Tax Saver	-	0.25%
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Membership Savings	-	0.05%
Min Deposit $5 Details This account is required for membership and is your ownership into the Credit Union. Unlimited withdrawals and transfers. Learn More Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Farmers Insurance Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market with Direct Deposit	-	0.50%
Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Money Market with Direct Deposit	-	0.45%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 0.50% → 0.45% ▼ 0.05 pts · high 0.50% / low 0.45% Oct 7, 20260.45%▼ from 0.50% Sep 18, 20260.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Money Market with Direct Deposit	-	0.40%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 0.45% → 0.40% ▼ 0.05 pts · high 0.45% / low 0.40% Oct 7, 20260.40%▼ from 0.45% Sep 18, 20260.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Money Market with Direct Deposit	-	0.35%
Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 0.40% → 0.35% ▼ 0.05 pts · high 0.40% / low 0.35% Oct 7, 20260.35%▼ from 0.40% Sep 18, 20260.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Money Market with Direct Deposit	-	0.30%
Min Balance $0 Details Balance: $0.00 - $4,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Money Market	-	0.25%
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Money Market	-	0.20%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Money Market	-	0.15%
Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Money Market	-	0.10%
Min Balance $2,500 Details Balance: $2,500.00 - $4,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Money Market	-	0.05%
Min Balance $0 Details Balance: $0.00 - $2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Farmers Insurance Federal Credit Union Checking Rates

Product	Rate	APY	View More
High Yield Checking	-	5.00%
Min Deposit $20 Min Balance $5,000 Details Qualifications Required: 10 Visa Debit Card Point of Sale (PIN and Signature based) posted transactions using the Farmers Insurance Federal Credit Union Debit Card; $1,000 monthly minimum direct deposit; eStatements; Get up to 5.00% APY on balances up to $5,000 with qualifying activities.; Receive a surcharge rebate of up to $10 a month.; Get +1.00% added to the standard Online Savings APY when you have at least $1,000 in monthly Direct Deposit to your FIGFCU Checking account. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Farmers Insurance Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Loan	-	-	4.99%
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Home Equity Line of Credit (HELOC)	-	-	6.74%
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Farmers Insurance Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Coverdell Education Savings	-	-	0.30%
Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
My Account	-	-	0.25%
Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Variable Rate IRA	-	-	0.15%
Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Youth Accounts	-	-	2.75%
Min Deposit $5 Details Uniquely created for Kids, Teens, and Young Adults to help learn about managing money. And as little as $100 for a Special Certificate. Make up to six additional deposits for Special Certificates. Learn More Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

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

Farmers Insurance Federal Credit Union’s Texas Ratio rose from 7.16% in Q3 2023 to 12.30% 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. 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	12.30%	5.0	A
March 31, 2026	$1.4B	10.06%	5.0	A
December 31, 2025	$1.3B	12.07%	5.0	A
September 30, 2025	$1.3B	13.00%	5.0	A
June 30, 2025	$1.4B	13.16%	5.0	A
March 31, 2025	$1.4B	9.17%	5.0	A
December 31, 2024	$1.4B	10.01%	5.0	A
September 30, 2024	$1.5B	10.52%	5.0	A
June 30, 2024	$1.5B	10.64%	5.0	A
March 31, 2024	$1.5B	7.22%	5.0	A
December 31, 2023	$1.5B	9.58%	5.0	A
September 30, 2023	$1.5B	7.16%	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 Farmers Insurance 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 Farmers Insurance 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 Farmers Insurance Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Farmers Insurance Federal Credit Union

Website https://www.figfcu.org

Address 2255 N Ontario St, Burbank, CA 91504

Phone 800-877-2345

Fax 323-549-0272

President Rudy Trevino

CEO Mirella Reznic

Full-Time Employees 222

Part-Time Employees 1

Branch Locations 8

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 (94/100)

Texas Ratio

12.30%

Return on Assets (ROA)

0.1509%

Return on Equity (ROE)

1.5309%

Non-Performing Loans Ratio (NPL)

1.57%

Total Assets

1,329,890,378

Total Amount of Shares and Deposits

1,140,819,199

Total Shares and Deposits < 1 Year

986,354,439

Total Shares and Deposits 1 3 Years

139,316,093

Total Shares and Deposits > 3 Years

15,148,667

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

102,442,251

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

102,621,807

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

1,038,197,392

Total Interest Expense (Sum of items 6 8)

14,711,834

Share Certificates

6,847

Number of Accounts for Share Drafts

44,480

IRA KEOGH Accounts

1,599

Number of Accounts for Regular Shares

82,171

Non Member Deposits

338

Money Market Shares

1,833

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

2,006,891

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)

114,535,595

Total Liabilities

1,198,798,511

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Farmers Insurance Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/farmers-insurance-federal-credit-union-rates-review-1074">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Farmers Insurance Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Farmers Insurance Federal Credit Union

Frequently Asked Questions About Farmers Insurance Federal Credit Union

How many branches does Farmers Insurance Federal Credit Union operate?

Farmers Insurance 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 Farmers Insurance Federal Credit Union?

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

Does Farmers Insurance Federal Credit Union offer online and mobile banking?

Most modern institutions like Farmers Insurance 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.figfcu.org.

Current Farmers Insurance Federal Credit Union Rates

12-Month CD3.25%
18-Month CD2.75%
24-Month CD2.75%
60-Month CD3.75%
Savings2.75%
MMA0.50%

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

Compare to Other Credit Unions

Farmers Insurance Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Farmers Insurance Federal Credit Union Texas Ratio

Farmers Insurance Federal Credit Union Health Trend

Farmers Insurance Federal Credit Union CD Rates

Farmers Insurance Federal Credit Union Savings Rates

Farmers Insurance Federal Credit Union Money Market Rates

Farmers Insurance Federal Credit Union Checking Rates

Farmers Insurance Federal Credit Union Home Equity & HELOC

Farmers Insurance Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Farmers Insurance Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Farmers Insurance Federal Credit Union

How many branches does Farmers Insurance Federal Credit Union operate?

Is a member application needed to join Farmers Insurance Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Farmers Insurance Federal Credit Union offer online and mobile banking?

Current Farmers Insurance Federal Credit Union Rates

Compare to Other Credit Unions