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La Loma Federal Credit Union Rates & Review October 2026

La Loma Federal Credit Union's top rates as of October 12, 2026 are 3.50% APY on its 6 Month CDs CD, 0.15% APY on savings, 0.05% APY on money market accounts, 0.05% APY on checking, personal loans from 12.99% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other La Loma Federal Credit Union CD rates include 12 Month CDs at 3.45%, 12 Month CDs at 3.40%, and 6 Month CDs at 3.40%. MonitorBankRates evaluates the financial stability of La Loma Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.44%. Rates last updated and verified on 10/12/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 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 ?
1.44%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
La Loma Federal Credit Union
Loma Linda Headquarters
26151 Mayberry St
Bryn Mawr, CA 92318
https://www.llfcu.org
Member NCUA
Customer Reviews
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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.

La Loma Federal Credit Union CD Rates

Product Rate APY Term View More
6 Month Share Certificates - 3.50% 6 Months
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
12 Month Share Certificates - 3.45% 12 Months
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
12 Month Share Certificates - 3.40% 12 Months
Min Balance $50,000
Details Balance: $50,000 - $99,999
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
6 Month Share Certificates - 3.40% 6 Months
Min Balance $50,000
Details Balance: $50,000 - $99,999
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
12 Month Share Certificates - 3.35% 12 Months
Min Balance $20,000
Details Balance: $20,000 - $49,999
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
12 Month Share Certificates - 3.30% 12 Months
Min Balance $500
Details Balance: $500 - $19,999
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
6 Month Share Certificates - 3.30% 6 Months
Min Balance $20,000
Details Balance: $20,000 - $49,999
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
6 Month Share Certificates - 3.20% 6 Months
Min Balance $500
Details Balance: $500 - $19,999
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
3 Month Share Certificates - 3.15% 3 Months
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
3 Month Share Certificates - 3.05% 3 Months
Min Balance $50,000
Details Balance: $50,000 - $99,999
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 6 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
3 Month Share Certificates - 3.00% 3 Months
Min Balance $20,000
Details Balance: $20,000 - $49,999
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
3 Month Share Certificates - 2.90% 3 Months
Min Balance $500
Details Balance: $500 - $19,999
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%

La Loma Federal Credit Union Savings Rates

Product Rate APY View More
Savings Clubs (Tax Club, Vacation Club, School Club, Christmas Club) - 0.15%
Min Balance $10
Details Balance: $10.00 minimum to earn dividends; Dividend Rate column shows $10.00, not a percentage, so rate left null
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 12, 2026: 0.15% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Regular Savings 0.05% 0.05%
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%

La Loma Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market 0.05% 0.05%
Min Balance $2,500
Details Balance: $2,500.00 minimum to earn dividends
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%

La Loma Federal Credit Union Checking Rates

Product Rate APY View More
Checking 0.05% 0.05%
Min Balance $1,500
Details Minimum Balance to Earn Dividends: $1,500.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Checking 0.05% 0.05%
Min Balance $300
Details Minimum Balance to Earn Dividends: $300.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%

La Loma Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity HELOC - - 6.75%
Details As Low As; Our Rates section
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 6.75% APR · checked 5 times
6.25%6.75%7.25%Sep 20, 2026: 6.75% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%

La Loma Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Vehicle Loans - - 3.49% 12 to 84 Months
Details Published APR range: 3.49% to 18.00%. Rates displayed reflect max 1.50% discount; subject to credit approval
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.49% APR · checked 6 times
2.99%3.49%3.99%Sep 14, 2026: 3.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Vehicle Loans - - 3.74% 12 to 84 Months
Details Published APR range: 3.74% to 18.00%. Rates displayed reflect max 1.50% discount; subject to credit approval
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 6 times
3.24%3.74%4.24%Sep 14, 2026: 3.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Vehicle Loans - - 5.49% 12 to 72 Months
Details Published APR range: 5.49% to 18.00%. Rates displayed reflect max 1.50% discount; subject to credit approval
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Vehicle Loans - - 7.99% 12 to 72 Months
Details Published APR range: 7.99% to 18.00%. Rates displayed reflect max 1.50% discount; subject to credit approval
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 5.49% → 7.99% ▲ 2.50 pts · high 7.99% / low 5.49%
2.99%6.74%10.49%Sep 14, 2026: 5.49% APRSep 20, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
  • Sep 20, 20267.99%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Vehicle Loans - - 7.99% 12 to 180 Months
Details Published APR range: 7.99% to 18.00%. Rates displayed reflect max 1.50% discount; subject to credit approval
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 7.99% APR · checked 5 times
7.49%7.99%8.49%Sep 20, 2026: 7.99% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Vehicle Loans - - 8.49% 12 to 120 Months
Details Published APR range: 8.49% to 18.00%. Rates displayed reflect max 1.50% discount; subject to credit approval
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 6 times
7.99%8.49%8.99%Sep 14, 2026: 8.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%

La Loma Federal Credit Union Credit Card Rates

Product Rate APR View More
Credit Card - 8.90%
Details As Low As; Our Rates section
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 8.90% APR · checked 6 times
8.40%8.90%9.40%Sep 14, 2026: 8.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%

La Loma Federal Credit Union Personal Loan Rates

Product APR Term View More
Signature Loan 12.99% Up to 60 months
Details Published APR range: 12.99% to 18.00%. Rates displayed reflect max 1.50% discount; Est. Payment/$1,000 borrowed: $89.31 to $91.68 based on a 12mo term
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 12.99% APR · checked 6 times
12.49%12.99%13.49%Sep 14, 2026: 12.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%

La Loma Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Quick Cash Loan - - 6.99% 24 months
Details Published APR range: 6.99% to 13.49%. Est. Payment/$3,500 borrowed: $156.69 to $167.20 based on 24mo term; Max Rate Discount is 1.50%. Rates displayed reflect the max discount. Discount is available on Auto/RV/Motorcycle/Quick Cash/Signature Loans.
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 6 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%

Financial Health History

La Loma Federal Credit Union’s Texas Ratio rose from 0.52% in Q3 2023 to 1.44% 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.

0% 1.0★ 1% 2.0★ 2% 3.0★ 3% 4.0★ 3.9% 5.0★ Healthy zone – entire history below the 15% limit 0.52% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 1.44% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$117M1.44%5.0A+
March 31, 2026$114M0.85%5.0A+
December 31, 2025$114M1.21%5.0A+
September 30, 2025$111M0.67%5.0A+
June 30, 2025$113M0.25%5.0A+
March 31, 2025$114M1.62%5.0A+
December 31, 2024$111M1.71%5.0A+
September 30, 2024$111M1.73%5.0A+
June 30, 2024$110M2.92%5.0A+
March 31, 2024$112M0.17%5.0A+
December 31, 2023$113M0.24%5.0A+
September 30, 2023$111M0.52%5.0A+
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 La Loma 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 La Loma 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 La Loma Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name La Loma Federal Credit Union
Address 26151 Mayberry St, Bryn Mawr, CA 92318
Phone 909-796-0206
Fax 909-266-0469
President Dell Jean Van Fossen
CEO Daniel Penrod
Full-Time Employees 25
Part-Time Employees 0
Branch Locations 3
ATM Locations 6
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
1.44%
Return on Assets (ROA)
0.3021%
Return on Equity (ROE)
3.1729%
Non-Performing Loans Ratio (NPL)
0.22%
Total Assets
116,641,301
Total Amount of Shares and Deposits
110,458,657
Total Shares and Deposits < 1 Year
110,458,657
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,692,790
Total Uninsured Shares and Deposits > $250K (F+J)
7,692,790
Total Insured Shares and Deposits > $250K (item 17 less item K)
102,765,867
Total Interest Expense (Sum of items 6 8)
280,125
Share Certificates
225
Number of Accounts for Share Drafts
4,901
Number of Accounts for Regular Shares
9,107
Money Market Shares
31
Net Income (unless the amount is already included in Undivided Earnings)
352,406
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)
8,584,149
Total Liabilities
111,671,344
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

La Loma 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/la-loma-federal-credit-union-rates-review-10351">
  <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

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Total Reviews
0
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Frequently Asked Questions About La Loma Federal Credit Union

How many branches does La Loma Federal Credit Union operate?

La Loma 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 La Loma Federal Credit Union?

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

Does La Loma Federal Credit Union offer online and mobile banking?

Most modern institutions like La Loma 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.llfcu.org.

Current La Loma Federal Credit Union Rates

  • 12-Month CD3.30%
  • Savings0.15%
  • MMA0.05%
Retrieved from our database of financial products. Rates subject to change.