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Interfaith Federal Credit Union

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Interfaith Federal Credit Union Rates & Review September 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: September 23, 2026

Interfaith Federal Credit Union's Personal Loan Rates are as low as 7.99%. Interfaith Federal Credit Union's Credit Card Rates are at 7.99%. 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 2.80%. Rates last updated and verified on 09/23/2026.

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 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

2.80%

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

Interfaith Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos, SUVs, Trucks, Vans	-	-	4.59%	3-7 year term
Details As Low As; Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Used Autos, SUVs, Trucks, Vans	-	-	6.99%	3-7 year term
Details As Low As; Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%

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 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%

Interfaith Federal Credit Union Credit Card Rates

Product	Rate	APR
Corporate Elite Visa	-	7.99%
Details Term: Revolving / up to $50,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
IFCU Platinum Visa	-	11.75%
Details No annual fee and no balance transfer fees. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. The final rate is based on credit worthiness; not all members will receive the lowest rate. All rates and terms are subject to change. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Visa Credit	-	11.75%
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Visa Platinum	-	11.75%
Details Term: Revolving / up to $25,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Shared Secured Visa	-	13.10%
Details Term: Revolving / $500-$5,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Visa Classic	-	16.00%
Details Term: Revolving / up to $10,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%

Interfaith Federal Credit Union Personal Loan Rates

Product	APR	Term
Debt Consolidation Loan	7.99%	up to 60 months
Details Promotional rate available from September 1 to December 31, 2026. Limit one Debt Consolidation Loan per member. Any existing Debt Consolidation Loan must be paid in full through the refinance. Automatic payments and direct deposit into an IFCU checking account are required. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Debt Consolidation Loan	7.99%
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Signature Loan Including Debt Consolidation	8.99%	1-5 year term
Details As low as; * Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%

Interfaith Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Back-to-School Loan	-	-	7.99%	12 Months
Details No credit check for established members (over 90 days) in good standing with no late payments on any IFCU loan in the last 12 months. Automatic payment and direct deposit to your IFCU checking account are required. One back-to-school loan per member. Any existing back-to-school loan must be paid in full. Promotion begins August 1, 2026, and runs through September 30, 2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Church Loans	-	-	7.25%
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Disaster Relief Loan	-	-	5.99%	up to 36 months
Details Minimum: $5,000 for Individuals / $10,000 for Churches; Available to IFCU individual members as well as member churches. Monthly payments must be made by automatic transfer from the borrower's IFCU checking or savings account. Deferred payment is available for up to 90 days. Proof of regular, consistent income is required. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Fresh Start - New or Used - Model Year 2017 to 2026 Loan	-	-	16.00%	3-6 year term
Details As Low As; Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Loans over $250,000	-	-	7.25%	5 year adjustable
Details 30 year term, due in 15 years; No prepayment penalties; Personal guarantees may be waived Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Page Content - Loans up to $250,000 Loan	-	-	7.50%	10 year fixed
Details No prepayment penalties; Personal guarantees may be waived Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%

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.
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Financial Health History

Interfaith Federal Credit Union’s Texas Ratio rose from 0.92% in Q2 2023 to 2.80% in Q1 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
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+
June 30, 2023	$127M	0.92%	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 4

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

2.80%

Return on Assets (ROA)

0.1615%

Return on Equity (ROE)

1.3855%

Non-Performing Loans Ratio (NPL)

0.61%

Total Assets

135,351,514

Total Amount of Shares and Deposits

119,195,020

Total Shares and Deposits < 1 Year

114,933,843

Total Shares and Deposits 1 3 Years

2,682,943

Total Shares and Deposits > 3 Years

1,578,236

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

7,564,753

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

7,564,753

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

111,630,267

Total Interest Expense (Sum of items 6 8)

363,976

Share Certificates

883

Number of Accounts for Share Drafts

2,912

IRA KEOGH Accounts

223

Number of Accounts for Regular Shares

5,480

All other shares

Money Market Shares

249

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)

13,594,098

Total Liabilities

119,578,403

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Interfaith Federal Credit Union earned the Verified Healthy badge

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

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

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.