What are the current interest rates at Corazo Credit Union?

Current rates for Corazo Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.50%, 24-Month CD: 3.75%, 60-Month CD: 4.50%, Savings: 0.05%, MMA: 0.35%

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Corazo Credit Union

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Corazo Credit Union Rates & Review May 2026

Q: How many branches does Corazo Credit Union operate?

Corazo 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.

Q: Is a member application needed to join Corazo Credit Union?

Yes, to access services at Corazo 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.

Q: Is there a first-time homebuyer program?

Currently, Corazo 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Corazo 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: May 12, 2026

Corazo Credit Union's 60 Month CD rates are at 4.50%, 48 Month CD rates are at 4.25%, 36 Month CD rates are at 4.00%, 24 Month CD rates are at 3.75%, 24 Month IRA rates are at 3.75%. Corazo Credit Union's savings rates are at 0.05%. Corazo Credit Union's money market rates are at 0.35%. MonitorBankRates evaluates the financial stability of Corazo Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.60%. Rates were last updated on 05/12/2026.

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

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.60%

Excellent Higher than avg

Corazo Credit Union
Main Office

1602 W Main St
El Centro, CA 92243 2232

https://www.corazocu.com/

Corazo Credit Union CD Rates

Product	Rate	APY	Term
60 Month Certificate	4.41%	4.50%	60
Min Deposit $500 Min Balance $500 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
48 Month Certificate	4.17%	4.25%	48
Min Deposit $500 Min Balance $500 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
36 Month Certificate	3.93%	4.00%	36
Min Deposit $500 Min Balance $500 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
24 Month Certificate	3.69%	3.75%	24
Min Deposit $500 Min Balance $500 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
24 Month IRA	3.69%	3.75%
Min Deposit $500 Min Balance $500 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
18 Month Certificate	3.45%	3.50%	18
Min Deposit $500 Min Balance $500 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
18 Month IRA	3.45%	3.50%
Min Deposit $500 Min Balance $500 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
12 Month Certificate	3.20%	3.25%	12
Min Deposit $500 Min Balance $500 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
12 Month IRA	3.20%	3.25%
Min Deposit $500 Min Balance $500 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
6 Month Certificate	2.67%	2.70%	6
Min Deposit $500 Min Balance $500 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
3 Month Certificate	2.47%	2.50%	3
Min Deposit $500 Min Balance $500 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%

Corazo Credit Union Savings Rates

Product	Rate	APY
Holiday Saver	2.72%	2.75%
Min Deposit $50 Min Balance $50 Details (MATURITY NOV. 1) Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
Scholar Saver	2.72%	2.75%
Min Deposit $50 Min Balance $50 Details (MATURITY APR. 1) Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
Summer Saver	2.72%	2.75%
Min Deposit $50 Min Balance $50 Details (MATURITY JUL. 1) Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
EMERGENCY SAVINGS	1.74%	1.75%
Min Deposit $5 Min Balance $5 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
KIDS CLUB	0.10%	0.10%
Min Deposit $5 Min Balance $10,001 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
RAINY DAY SAVINGS	0.10%	0.10%
Min Deposit $5 Min Balance $10,001 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
REGULAR SAVINGS	0.10%	0.10%
Min Deposit $5 Min Balance $10,001 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
KIDS CLUB	0.05%	0.05%
Min Deposit $5 Min Balance $5 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
RAINY DAY SAVINGS	0.05%	0.05%
Min Deposit $5 Min Balance $5 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
REGULAR SAVINGS	0.05%	0.05%
Min Deposit $5 Min Balance $5 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%

Corazo Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	0.75%	0.75%
Min Deposit $1,000 Min Balance $50,001 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
Money Market Accounts	0.70%	0.70%
Min Deposit $1,000 Min Balance $25,001 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
Money Market Accounts	0.65%	0.65%
Min Deposit $1,000 Min Balance $10,001 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
Money Market Accounts	0.35%	0.35%
Min Deposit $1,000 Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%

Corazo Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Vacation	-	-	9.24%	Up to 36 Months
Details As Low As Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%

Corazo Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum	-	9.99%
No additional details. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
Visa Gold	-	13.90%
No additional details. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
Visa Gold - Share Secured	-	13.90%
No additional details. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%
Visa Starter	-	18.00%
No additional details. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.60%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Corazo 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 Corazo 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 Corazo Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Corazo Credit Union

Website https://www.corazocu.com/

Address 1602 W Main St, El Centro, CA 92243 2232

Phone 760-352-1540

Fax 760-352-1887

President Alexis Araujo

CEO Fidel Gonzalez

Full-Time Employees 58

Part-Time Employees 9

Branch Locations 4

ATM Locations 4

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.60%

Return on Assets (ROA)

2.7717%

Return on Equity (ROE)

18.2983%

Non-Performing Loans Ratio (NPL)

1.57%

Total Assets

219,647,617

Total Amount of Shares and Deposits

184,558,184

Total Shares and Deposits < 1 Year

167,265,267

Total Shares and Deposits 1 3 Years

11,267,541

Total Shares and Deposits > 3 Years

6,025,376

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

18,349,210

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

18,349,210

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

166,208,974

Total Interest Expense (Sum of items 6 8)

2,138,982

Share Certificates

788

Number of Accounts for Share Drafts

14,474

IRA KEOGH Accounts

259

Number of Accounts for Regular Shares

24,188

All other shares

1,586

Money Market Shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

7,875,590

Total Liabilities

186,867,942

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Corazo Credit Union earned the Verified Healthy badge

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Corazo Credit Union

How many branches does Corazo Credit Union operate?

Corazo 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 Corazo Credit Union?

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

Does Corazo Credit Union offer online and mobile banking?

Most modern institutions like Corazo 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.corazocu.com/.