What are the current interest rates at Gain Federal Credit Union?

Current rates for Gain Federal Credit Union include: 12-Month CD: 2.00%, 18-Month CD: 2.50%, 24-Month CD: 2.50%, 60-Month CD: 3.25%, Savings: 0.00%, MMA: 0.65%

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Gain Federal Credit Union

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Gain Federal Credit Union Rates & Review June 2026

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

Yes, to access services at Gain 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Gain 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: June 16, 2026

Gain Federal Credit Union's Bump CD 30 month rates are at 3.50%, 60 month CD rates are at 3.40%, 12 month CD rates are at 3.35%, 60 month CD rates are at 3.30%, 60 month CD rates are at 3.25%. Gain Federal Credit Union's savings rates are at 0.00%. Gain Federal Credit Union's money market rates are at 0.65%. Gain Federal Credit Union's 5/6 ARM - Conforming rates are at 5.38%, 10-Year Fixed - Conforming rates are at 5.75%, 15-Year Fixed - Conforming rates are at 5.88%, 20-Year Fixed - Conforming rates are at 6.38%, 30-Year Fixed - Conforming rates are at 6.50%. Gain Federal Credit Union's Personal Loan Rates are at 11.99%. MonitorBankRates evaluates the financial stability of Gain Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.03%. Rates were last updated on 06/16/2026.

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

Verified Strong 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

2.03%

Excellent Lower than avg

Gain Federal Credit Union
1800 W Magnolia Blvd

1800 W Magnolia Blvd
Burbank, CA 91506 1726

https://www.gainfcu.com

Gain Federal Credit Union CD Rates

Product	Rate	APY	Term
Bump Certificate 30 month	3.45%	3.50%	30 months
Min Balance $50,000 Details You can "bump" your certificate rate to a higher rate once during the term of your certificate. When rates increase on certificates corressponding in term and dollar amount to your certiciate, you can exercise your bump-up option to increase your rate. Rate will only be bumped at the written or oral request of the member. Doing so does not affect the term or maturity of your certificate. There is no penalty for exercising your bump-up option. It is your responsibility to contact the Credit Union for rate information. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
60 month Certificate	3.35%	3.40%	60 months
Min Balance $100,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
12 month Certificate	3.30%	3.35%	12 months
Min Balance $100,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
60 month Certificate	3.25%	3.30%	60 months
Min Balance $50,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
60 month Certificate	3.20%	3.25%	60 months
Min Balance $1,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
6 month Certificate	3.15%	3.20%	6 months
Min Balance $25,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
6 month Certificate	3.11%	3.15%	6 months
Min Balance $1,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
12 month Certificate	3.06%	3.10%	12 months
Min Balance $25,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
12 month Certificate	3.01%	3.05%	12 months
Min Balance $1,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Bump Certificate 18 month	2.96%	3.00%	18 months
Min Balance $50,000 Details You can "bump" your certificate rate to a higher rate once during the term of your certificate. When rates increase on certificates corressponding in term and dollar amount to your certiciate, you can exercise your bump-up option to increase your rate. Rate will only be bumped at the written or oral request of the member. Doing so does not affect the term or maturity of your certificate. There is no penalty for exercising your bump-up option. It is your responsibility to contact the Credit Union for rate information. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Bump Certificate 30 month	2.96%	3.00%	30 months
Min Balance $25,000 Details You can "bump" your certificate rate to a higher rate once during the term of your certificate. When rates increase on certificates corressponding in term and dollar amount to your certiciate, you can exercise your bump-up option to increase your rate. Rate will only be bumped at the written or oral request of the member. Doing so does not affect the term or maturity of your certificate. There is no penalty for exercising your bump-up option. It is your responsibility to contact the Credit Union for rate information. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
24 month Certificate	2.96%	3.00%	24 months
Min Balance $1,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Bump Certificate 18 month	2.72%	2.75%	18 months
Min Balance $25,000 Details You can "bump" your certificate rate to a higher rate once during the term of your certificate. When rates increase on certificates corressponding in term and dollar amount to your certiciate, you can exercise your bump-up option to increase your rate. Rate will only be bumped at the written or oral request of the member. Doing so does not affect the term or maturity of your certificate. There is no penalty for exercising your bump-up option. It is your responsibility to contact the Credit Union for rate information. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Bump Certificate 30 month	2.72%	2.75%	30 months
Min Balance $1,000 Details You can "bump" your certificate rate to a higher rate once during the term of your certificate. When rates increase on certificates corressponding in term and dollar amount to your certiciate, you can exercise your bump-up option to increase your rate. Rate will only be bumped at the written or oral request of the member. Doing so does not affect the term or maturity of your certificate. There is no penalty for exercising your bump-up option. It is your responsibility to contact the Credit Union for rate information. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Bump Certificate 18 month	2.47%	2.50%	18 months
Min Balance $1,000 Details You can "bump" your certificate rate to a higher rate once during the term of your certificate. When rates increase on certificates corressponding in term and dollar amount to your certiciate, you can exercise your bump-up option to increase your rate. Rate will only be bumped at the written or oral request of the member. Doing so does not affect the term or maturity of your certificate. There is no penalty for exercising your bump-up option. It is your responsibility to contact the Credit Union for rate information. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
24 month Flexible Certificate	2.47%	2.50%	24 months
Min Deposit $1,000 Details Two additional deposits and two withdrawals are allowed with no penalty per 12-month period. Deposits must be a minimum of $500 and not exceed amount of initial deposit certificate. Balance after withdrawals cannot fall below the minimum balance. Beyond two withdrawals, early withdrawal penalties will apply. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
24 month Flexible IRA Certificate	2.47%	2.50%	24 months
Min Deposit $1,000 Details Two additional deposits and two withdrawals are allowed with no penalty per 12-month period. Deposits must be a minimum of $500 and not exceed amount of initial deposit certificate. Balance after withdrawals cannot fall below the minimum balance. Beyond two withdrawals, early withdrawal penalties will apply. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
12 month Flexible Certificate	2.23%	2.25%	12 months
Min Deposit $1,000 Details Two additional deposits and two withdrawals are allowed with no penalty per 12-month period. Deposits must be a minimum of $500 and not exceed amount of initial deposit certificate. Balance after withdrawals cannot fall below the minimum balance. Beyond two withdrawals, early withdrawal penalties will apply. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
12 month Flexible IRA Certificate	2.23%	2.25%	12 months
Min Deposit $1,000 Details Two additional deposits and two withdrawals are allowed with no penalty per 12-month period. Deposits must be a minimum of $500 and not exceed amount of initial deposit certificate. Balance after withdrawals cannot fall below the minimum balance. Beyond two withdrawals, early withdrawal penalties will apply. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Level Up 12-Month Certificate	2.23%	2.25%	12 months
Min Deposit $25 Min Balance $25 Details You must maintain a minimum daily balance of $25 with a maximum of $10,000 in the account to obtain the Annual Percentage Yield and to avoid closure. You may make additional deposits of any amount at any time during the term of your certificate. You may take one (1) penalty-free withdrawal during the term of the certificate. If you exceed the withdrawal limitations, your account will be subject to a penalty. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned, and unearned dividends with a maximum of 180. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

Gain Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings	0.50%	0.50%
Min Balance $10,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
IRA Savings	0.25%	0.25%
Min Balance $0 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Savings Account	0.15%	0.15%
Min Balance $100 Details Rates on savings, money market, and checking accounts are variable and may change after the account is opened. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Savings Account	-	0.00%
Min Deposit $5 Min Balance $0 Details Rates on savings, money market, and checking accounts are variable and may change after the account is opened. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

Gain Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.29%	1.30%
Min Balance $100,000 Details Dividends are calculated on actual daily balances, compounded daily and paid monthly into Money Markey Savings Account. Six withdrawals allowed per month. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Money Market	1.00%	1.00%
Min Balance $50,000 Details Dividends are calculated on actual daily balances, compounded daily and paid monthly into Money Markey Savings Account. Six withdrawals allowed per month. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Money Market	0.80%	0.80%
Min Balance $10,000 Details Dividends are calculated on actual daily balances, compounded daily and paid monthly into Money Markey Savings Account. Six withdrawals allowed per month. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Money Market	0.65%	0.65%
Min Balance $2,500 Details Dividends are calculated on actual daily balances, compounded daily and paid monthly into Money Markey Savings Account. Six withdrawals allowed per month. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

Gain Federal Credit Union Checking Rates

Product	Rate	APY	View More
Better Checking	1.00%	1.00%
Min Balance $0 Details Qualifications Required: 15 signature or PIN-based debit card transactions per month; minimum of $500.00 in Direct Deposit each month; receive eStatements (Online Banking required); active email address; use Online Bill Pay to pay at least 5 bills per month to earn the stated dividend. Dividends paid on balances up to $10,000.; Rates on savings, money market, and checking accounts are variable and may change after the account is opened. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

Gain Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/6 ARM - Conforming	5.38%	1.000%	5.46%	5/6 ARM
Details Adjustable Rate Mortgages are variable and the Annual Percentage Rate (APR) may increase after the initial fixed rate period. Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
10-Year Fixed - Conforming	5.75%	0.000%	5.97%	10-Year Fixed
Details Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
15-Year Fixed - Conforming	5.88%	0.000%	6.03%	15-Year Fixed
Details Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
20-Year Fixed - Conforming	6.38%	0.000%	6.51%	20-Year Fixed
Details Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
30-Year Fixed - Conforming	6.50%	0.000%	6.60%	30-Year Fixed
Details Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
30-Year Fixed - High Balance	6.88%	0.000%	7.16%	30-Year Fixed
Details Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

Gain Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity 5/6 ARM - Conforming	5.38%	1.000%	5.46%	5/6 ARM
Details Adjustable Rate Mortgages are variable and the Annual Percentage Rate (APR) may increase after the initial fixed rate period. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Home Equity 10-Year Fixed - Conforming	5.75%	0.000%	5.97%	10-Year Fixed
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Home Equity 15-Year Fixed - Conforming	5.88%	0.000%	6.03%	15-Year Fixed
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Home Equity 20-Year Fixed - Conforming	6.38%	0.000%	6.51%	20-Year Fixed
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Home Equity 30-Year Fixed - Conforming	6.50%	0.000%	6.60%	30-Year Fixed
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Home Equity 30-Year Fixed - High Balance	6.88%	0.000%	7.16%	30-Year Fixed
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Express Home Equity Loan - Fixed Rate - Owner Occupied	-	-	7.25%	60 months
Details Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Maximum rate 16.00% Single Family Residence Only California, Arizona, and Nevada Only Payments on a home equity loan at 7.250% APR for 60 months are $19.92 per $1,000 borrowed. Representative example assumes a loan amount of $150,000. Not all applicants will qualify. No prepayment penalty. 80% LTV or less, for loan amounts up to $150,000. Rates on loan amounts up to $250,000 may vary. Restrictions apply. See Credit Union for full details. Lender closing costs: Gain Federal Credit Union pays for flood certification, standard recording fees, title and appraisal. Member is required to pay for Sub-escrow of $160 (if required), and California's document recording surcharge fee of $150 to $225. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

Gain Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	3.99%
Details APR = Annual Percentage Rate Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Auto Loans	-	-	4.99%	6-Year Loan
Details As Low As; APR = Annual Percentage Rate Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

Gain Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum Rewards Mastercard	-	1.99%
Details Introductory APR is valid for a period of six (6) billing cycles. Introductory rate is for purchases only. When the discounted period expires, the APR on existing and subsequent balances will increase to the new non-discounted rate on the first day of the following billing cycle. Regular APR: 12.25% to 17.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. The APR for Cash Advances and Balance Transfers will be 12.25% to 17.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. The minimum credit limit is $5,000 and the maximum is $25,000. Maximum rate is 17.50% APR. Refer to the "Mastercard Application and Solicitation Disclosure" and the "Mastercard Agreement" for more information. No prepayment penalty. Certain restrictions apply. Subject to credit approval. Offer may end at any time. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Classic Mastercard	-	10.90%
Details As low as" rates listed above are our best rate based on approved credit. Actual rate may be higher depending upon applicant's credit rating and other underwriting factors. No prepayment penalty. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Secured Mastercard	-	10.90%
Details As low as" rates listed above are our best rate based on approved credit. Actual rate may be higher depending upon applicant's credit rating and other underwriting factors. No prepayment penalty. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Platinum Rewards Mastercard	-	12.25%
Details Regular APR: 12.25% to 17.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. The APR for Cash Advances and Balance Transfers will be 12.25% to 17.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. The minimum credit limit is $5,000 and the maximum is $25,000. Maximum rate is 17.50% APR. Refer to the "Mastercard Application and Solicitation Disclosure" and the "Mastercard Agreement" for more information. No prepayment penalty. Certain restrictions apply. Subject to credit approval. Offer may end at any time. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

Gain Federal Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loan	-	11.99%
Details As Low As; Rates advertised are best available. "As low as" rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. No prepayment penalty. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Personal Line of Credit	-	12.90%
Details As Low As; Actual rate may be higher depending upon applicant's credit rating and other underwriting factors. Line of Credit minimum monthly payment is based on an amortization of up to 60 months. A typical $2,000 Line of Credit financed at 12.90% would result in a monthly payment of $45.42. No prepayment penalty. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

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 Gain 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 Gain 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 Gain Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Gain Federal Credit Union

Website https://www.gainfcu.com

Address 1800 W Magnolia Blvd, Burbank, CA 91506 1726

Phone 818-846-1710

Fax 818-848-1526

President Joseph Terisgni

CEO Darin Guggenheimer

Full-Time Employees 68

Part-Time Employees 1

Branch Locations 2

ATM Locations 2

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

2.03%

Return on Assets (ROA)

0.0491%

Return on Equity (ROE)

0.5601%

Non-Performing Loans Ratio (NPL)

0.33%

Total Assets

428,878,838

Total Amount of Shares and Deposits

399,333,203

Total Shares and Deposits < 1 Year

384,111,871

Total Shares and Deposits 1 3 Years

10,339,307

Total Shares and Deposits > 3 Years

4,882,024

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

18,490,422

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

18,490,422

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

380,842,781

Total Interest Expense (Sum of items 6 8)

3,745,774

Share Certificates

1,567

Number of Accounts for Share Drafts

16,257

IRA KEOGH Accounts

847

Number of Accounts for Regular Shares

27,493

Money Market Shares

1,002

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

57,182,550

Total Liabilities

403,263,271

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Gain Federal Credit Union

How many branches does Gain Federal Credit Union operate?

Gain 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 Gain Federal Credit Union?

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

Does Gain Federal Credit Union offer online and mobile banking?

Most modern institutions like Gain 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.gainfcu.com.

Current Gain Federal Credit Union Rates

12-Month CD2.00%
18-Month CD2.50%
24-Month CD2.50%
60-Month CD3.25%
Savings0.00%
MMA0.65%

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

Compare to Other Credit Unions

Gain Federal Credit Union Rates & Review June 2026

Brian McKay

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Credit Union Profile & Overview

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Gain Federal Credit Union earned the Verified Strong badge

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Frequently Asked Questions About Gain Federal Credit Union

How many branches does Gain Federal Credit Union operate?

Is a member application needed to join Gain Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Gain Federal Credit Union offer online and mobile banking?

Current Gain Federal Credit Union Rates

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