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

Current rates for Interfaith Federal Credit Union include: 12-Month CD: 3.05%, 24-Month CD: 3.05%, 60-Month CD: 3.25%, Savings: 0.10%, MMA: 0.60%

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Interfaith Federal Credit Union

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Interfaith Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Interfaith 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 12, 2026

Interfaith Federal Credit Union's top rates as of October 12, 2026 are 3.80% APY on its 6 Month CD Accounts, 0.10% APY on savings, 0.60% APY on money market accounts, 7.50% on its Faith Organization Loans - 10 Year Fixed mortgage, personal loans from 7.99% APR, and credit cards from 7.99% APR, according to rates verified by MonitorBankRates. Other Interfaith Federal Credit Union CD rates include 6 Month CD Accounts at 3.75%, 6 Month CD Accounts at 3.70%, and 60 Month CD Accounts at 3.30%. MonitorBankRates evaluates the financial stability of Interfaith Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.52%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 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

1.52%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Interfaith Federal Credit Union
Interfaith FCU

9040 Benson Ave
Montclair, CA 91763

https://www.interfaithfcu.org

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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.

Interfaith Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Certificate Accounts	3.73%	3.80%	6 Months
Min Balance $50,000 Details Balance: $50,000 - $99,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
6 Month Certificate Accounts	3.73%	3.80%	6 Months
Min Balance $100,000 Details Balance: $100,000 and over; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
6 Month Certificate Accounts	3.68%	3.75%	6 Months
Min Balance $15,000 Details Balance: $15,000 - $29,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
6 Month Certificate Accounts	3.68%	3.75%	6 Months
Min Balance $30,000 Details Balance: $30,000 - $49,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
6 Month Certificate Accounts	3.63%	3.70%	6 Months
Min Balance $1,000 Details Balance: $1,000 - $4,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
6 Month Certificate Accounts	3.63%	3.70%	6 Months
Min Balance $5,000 Details Balance: $5,000 - $14,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
60 Month Certificate Accounts	3.25%	3.30%	60 Months
Min Balance $50,000 Details Balance: $50,000 - $99,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
60 Month Certificate Accounts	3.25%	3.30%	60 Months
Min Balance $100,000 Details Balance: $100,000 and over; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
60 Month Certificate Accounts	3.20%	3.25%	60 Months
Min Balance $1,000 Details Balance: $1,000 - $4,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
60 Month Certificate Accounts	3.20%	3.25%	60 Months
Min Balance $5,000 Details Balance: $5,000 - $14,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
60 Month Certificate Accounts	3.20%	3.25%	60 Months
Min Balance $15,000 Details Balance: $15,000 - $29,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
60 Month Certificate Accounts	3.20%	3.25%	60 Months
Min Balance $30,000 Details Balance: $30,000 - $49,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
36 Month Certificate Accounts	3.18%	3.23%	36 Months
Min Balance $50,000 Details Balance: $50,000 - $99,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.23% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
36 Month Certificate Accounts	3.18%	3.23%	36 Months
Min Balance $100,000 Details Balance: $100,000 and over; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.23% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
36 Month Certificate Accounts	3.13%	3.18%	36 Months
Min Balance $15,000 Details Balance: $15,000 - $29,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.18% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
36 Month Certificate Accounts	3.13%	3.18%	36 Months
Min Balance $30,000 Details Balance: $30,000 - $49,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.18% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
12 Month Certificate Accounts	3.10%	3.15%	12 Months
Min Balance $50,000 Details Balance: $50,000 - $99,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
12 Month Certificate Accounts	3.10%	3.15%	12 Months
Min Balance $100,000 Details Balance: $100,000 and over; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
24 Month Certificate Accounts	3.08%	3.13%	24 Months
Min Balance $50,000 Details Balance: $50,000 - $99,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.13% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
24 Month Certificate Accounts	3.08%	3.13%	24 Months
Min Balance $100,000 Details Balance: $100,000 and over; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.13% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
36 Month Certificate Accounts	3.08%	3.13%	36 Months
Min Balance $1,000 Details Balance: $1,000 - $4,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.13% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
36 Month Certificate Accounts	3.08%	3.13%	36 Months
Min Balance $5,000 Details Balance: $5,000 - $14,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.13% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
12 Month Certificate Accounts	3.05%	3.10%	12 Months
Min Balance $15,000 Details Balance: $15,000 - $29,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
12 Month Certificate Accounts	3.05%	3.10%	12 Months
Min Balance $30,000 Details Balance: $30,000 - $49,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
24 Month Certificate Accounts	3.02%	3.07%	24 Months
Min Balance $15,000 Details Balance: $15,000 - $29,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
24 Month Certificate Accounts	3.02%	3.07%	24 Months
Min Balance $30,000 Details Balance: $30,000 - $49,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
12 Month Certificate Accounts	3.00%	3.05%	12 Months
Min Balance $1,000 Details Balance: $1,000 - $4,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
12 Month Certificate Accounts	3.00%	3.05%	12 Months
Min Balance $5,000 Details Balance: $5,000 - $14,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
24 Month Certificate Accounts	3.00%	3.05%	24 Months
Min Balance $1,000 Details Balance: $1,000 - $4,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
24 Month Certificate Accounts	3.00%	3.05%	24 Months
Min Balance $5,000 Details Balance: $5,000 - $14,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
60-Mo Trad/Roth IRA CD (Fixed)	2.96%	3.00%	60 months
Min Deposit $2,500 Min Balance $2,500 Details Retirement Accounts; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
24-Mo Trad/Roth IRA CD (Fixed)	2.81%	2.85%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Retirement Accounts; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%

Interfaith Federal Credit Union Savings Rates

Product	Rate	APY
Xtreme Savers	4.88%	5.00%
Min Deposit $5 Min Balance $5 Details Qualifying balance up to $5,000.00; Youth account for members up to 18 years of age; Minimum to earn dividend is $1; Dividends paid monthly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Regular/Special Share Savings Accounts	0.10%	0.10%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000 - $49,999; Tier 5; Minimum to earn dividend is $100; Dividends paid monthly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Regular/Special Share Savings Accounts	0.10%	0.10%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000 - $99,999; Tier 6; Minimum to earn dividend is $100; Dividends paid monthly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Regular/Special Share Savings Accounts	0.10%	0.10%
Min Deposit $5 Min Balance $100,000 Details Balance: $100,000 - Over; Tier 7; Minimum to earn dividend is $100; Dividends paid monthly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Regular/Special Share Savings Accounts	0.05%	0.05%
Min Deposit $5 Min Balance $1,000 Details Balance: $1,000 - $4,999; Tier 2; Minimum to earn dividend is $100; Dividends paid monthly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Regular/Special Share Savings Accounts	0.05%	0.05%
Min Deposit $5 Min Balance $5,000 Details Balance: $5,000 - $14,999; Tier 3; Minimum to earn dividend is $100; Dividends paid monthly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Regular/Special Share Savings Accounts	0.05%	0.05%
Min Deposit $5 Min Balance $15,000 Details Balance: $15,000 - $24,999; Tier 4; Minimum to earn dividend is $100; Dividends paid monthly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Regular/Special Share Savings Accounts	0.01%	0.01%
Min Deposit $5 Min Balance $100 Details Balance: $100 - $999; Tier I; Minimum to earn dividend is $100; Dividends paid monthly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%

Interfaith Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Multiplier	0.60%	0.60%
Min Deposit $2,000 Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Money Market Multiplier	0.60%	0.60%
Min Deposit $2,000 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Money Market Multiplier	0.55%	0.55%
Min Deposit $2,000 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Money Market Multiplier	0.55%	0.55%
Min Deposit $2,000 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Money Market Multiplier	0.50%	0.50%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $2,000 - $4,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Money Market Multiplier	0.50%	0.50%
Min Deposit $2,000 Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%

Interfaith Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Faith Organization Loans - 10 Year Fixed	-	-	7.50%	10 year
Details As Low As; Loans up to $250,000; No prepayment penalties; Personal guarantees may be waived Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%

Interfaith Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos, SUVs, Trucks, Vans	-	-	4.50%	3-7 year term
Details As Low As; Final rate based on credit worthiness and term of the loan. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 4.59% → 4.50% ▼ 0.09 pts · high 4.59% / low 4.50% Sep 25, 20264.50%▼ from 4.59% Sep 14, 20264.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Used Autos, SUVs, Trucks, Vans	-	-	4.99%	3-7 year term
Details As Low As; Final rate based on credit worthiness and term of the loan. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.99% → 4.99% ▼ 2.00 pts · high 6.99% / low 4.99% Sep 25, 20264.99%▼ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%

Interfaith Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Recreational Vehicles Loan	-	6.00%	4-15 year term
Details As Low As; Up to 5 years old. 80% loan to value. Includes boats, motorcycles, camper trailers, jet skis, snowmobiles and more. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%

Interfaith Federal Credit Union Credit Card Rates

Product	Rate	APR
Corporate Elite Visa	-	7.99%
Details Available Terms: Revolving / up to $50,000; No annual cash advance or balance transfer fee; Minimum monthly payment is 2% of outstanding balance or $25.00; Twenty-five day grace period on purchases Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
IFCU Platinum Visa	-	11.75%
Details As Low As; no annual fee and no balance transfer fees; final rate based on credit worthiness and not all members receive the lowest rate Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Visa Platinum	-	11.75%
Details Available Terms: Revolving / up to $25,000; No annual cash advance or balance transfer fee; Minimum monthly payment is 2% of outstanding balance or $25.00; Twenty-five day grace period on purchases Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 11.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Visa Classic	-	16.00%
Details Available Terms: Revolving / up to $10,000; No annual cash advance or balance transfer fee; Minimum monthly payment is 2% of outstanding balance or $25.00; Twenty-five day grace period on purchases Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 16.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%

Interfaith Federal Credit Union Personal Loan Rates

Product	APR	Term
Debt Consolidation Loan	7.99%	up to 60 months
Details Up to $15,000; promotional rate available September 1 to December 31, 2026; limit one Debt Consolidation Loan per member; existing debt consolidation loan can be refinanced; automatic payments and direct deposit into an IFCU checking account required Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Signature Loan - Including Debt Consolidation	8.99%	1-5 year term
Details As Low As; Personal Loan Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%

Interfaith Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Disaster Relief Loan	-	-	5.99%	up to 36 months
Details $5,000 for individuals / $10,000 for churches; deferred payment available for up to 90 days; proof of regular, consistent income required; automatic transfer payments required; available in declared disaster zones Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Faith Organization Loans - 5 Year Adjustable	-	-	7.25%	5 year
Details As Low As; Loans over $250,000; 30 year term, due in 15 years; No prepayment penalties; Personal guarantees may be waived Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Fresh Start - New or Used - Model Year 2017 to 2026 Loan	-	-	16.00%	3-6 year term
Details As Low As; Final rate based on credit worthiness and term of the loan. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 16.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Corporate	0.01%	-	0.01%
Min Deposit $25 Details Share Draft Checking Accounts; no required minimum maintained balance; dividends paid monthly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Coverdell Education Savings (Variable)	0.75%	-	0.75%
Min Deposit $1 Min Balance $1 Details Retirement Accounts; Dividends declared monthly Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
HSA Family (Variable)	0.75%	-	0.75%
Min Deposit $1 Min Balance $1 Details Retirement Accounts; Dividends declared monthly Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
HSA Individual (Variable)	0.75%	-	0.75%
Min Deposit $1 Min Balance $1 Details Retirement Accounts; Dividends declared monthly Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Traditional/Roth IRA Shares (Variable)	0.75%	-	0.75%
Min Deposit $0 Min Balance $1 Details Retirement Accounts; Dividends declared monthly Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%
Xtreme Savers	-	-	5.00%
Min Deposit $5 Min Balance $5 Details Balance: first $5,000 earns 5.00% APY; funds beyond $5,000 earn the regular membership share savings dividend rate; for members aged 17 and under; $5 initial deposit; dividends paid monthly; rates effective June 1, 2025 and subject to change without notice Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%

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

Interfaith Federal Credit Union’s Texas Ratio stayed near 1.05% in Q3 2023 to 1.52% in Q2 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
June 30, 2026	$135M	1.52%	5.0	A+
March 31, 2026	$135M	2.80%	5.0	A+
December 31, 2025	$138M	2.85%	5.0	A+
September 30, 2025	$133M	1.57%	5.0	A+
June 30, 2025	$133M	0.93%	5.0	A+
March 31, 2025	$125M	2.16%	5.0	A+
December 31, 2024	$122M	0.61%	5.0	A+
September 30, 2024	$118M	0.78%	5.0	A+
June 30, 2024	$118M	0.41%	5.0	A+
March 31, 2024	$121M	0.69%	5.0	A+
December 31, 2023	$123M	1.06%	5.0	A+
September 30, 2023	$123M	1.05%	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 Interfaith 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 Interfaith 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 Interfaith Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Interfaith Federal Credit Union

Website https://www.interfaithfcu.org

Address 9040 Benson Ave, Montclair, CA 91763

Phone 909-946-4096

Fax 909-981-7055

President Anthony Boger

CEO Rick Menjivar

Full-Time Employees 29

Part-Time Employees 3

Branch Locations 5

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

1.52%

Return on Assets (ROA)

0.3347%

Return on Equity (ROE)

2.8192%

Non-Performing Loans Ratio (NPL)

0.34%

Total Assets

134,829,761

Total Amount of Shares and Deposits

118,314,855

Total Shares and Deposits < 1 Year

114,268,648

Total Shares and Deposits 1 3 Years

2,553,887

Total Shares and Deposits > 3 Years

1,492,320

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

8,332,164

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

8,332,164

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

109,982,691

Total Interest Expense (Sum of items 6 8)

751,809

Share Certificates

904

Number of Accounts for Share Drafts

2,924

IRA KEOGH Accounts

222

Number of Accounts for Regular Shares

5,482

All other shares

Money Market Shares

245

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)

13,842,080

Total Liabilities

118,823,944

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Interfaith Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Interfaith Federal Credit Union

How many branches does Interfaith Federal Credit Union operate?

Interfaith 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 Interfaith Federal Credit Union?

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

Does Interfaith Federal Credit Union offer online and mobile banking?

Most modern institutions like Interfaith 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.interfaithfcu.org.

Current Interfaith Federal Credit Union Rates

12-Month CD3.05%
24-Month CD3.05%
60-Month CD3.25%
Savings0.10%
MMA0.60%

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

Compare to Other Credit Unions

Interfaith Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Interfaith Federal Credit Union Texas Ratio

Interfaith Federal Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Interfaith Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Interfaith Federal Credit Union

How many branches does Interfaith Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Interfaith Federal Credit Union offer online and mobile banking?

Current Interfaith Federal Credit Union Rates

Compare to Other Credit Unions