What are the current interest rates at Northrop Grumman Federal Credit Union?

Current rates for Northrop Grumman Federal Credit Union include: 12-Month CD: 3.84%, 24-Month CD: 3.59%, 36-Month CD: 3.55%, 48-Month CD: 3.60%, 60-Month CD: 3.60%, Savings: 0.40%, MMA: 1.20%, Personal Loan: 4.49%

Northrop Grumman Federal Credit Union Rates and Review February 2026

Content reviewed by

Brian McKay

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Northrop Grumman Federal Credit Union Deposit Rates

Northrop Grumman Federal Credit Union's Bonus CD 12 Month rates are at 4.00%, Bonus CD 12 Month rates are at 3.84%, Bonus CD YOUth Boost 12-Month rates are at 3.84%, Bonus CD 48 Month rates are at 3.76%, Bonus CD 60 Month rates are at 3.76%. Northrop Grumman Federal Credit Union's savings rates are at 0.40%. Northrop Grumman Federal Credit Union's money market rates are at 1.20%. Northrop Grumman Federal Credit Union's Personal Loan Rates are at 4.49%.

Northrop Grumman Federal Credit Union

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

Northrop Grumman Federal Credit Union Texas Ratio

Northrop Grumman Federal Credit Union's Texas Ratio is at 8.91%, which is considered excellent. The Texas Ratio for Northrop Grumman Federal Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Northrop Grumman Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.

MonitorBankRates Rating

5.0

Excellent

Out of 5.0 Stars

Northrop Grumman Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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.

Overall, Northrop Grumman Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Product

APY/APR

vs.Avg

12-Month CD

3.84%

2.38%

18-Month CD

N/A

2.14%

24-Month CD

3.59%

2.17%

36-Month CD

3.55%

2.11%

48-Month CD

3.60%

2.10%

60-Month CD

3.60%

2.23%

Savings

0.40%

0.60%

MMA

1.20%

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

4.49%

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Northrop Grumman Federal Credit Union
Gardena Main Office

879 W 190th St
Gardena, CA 90248 4220

https://www.ngfcu.us/

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCELLENT

🏆

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Northrop Grumman Federal Credit Union CD Rates

Product	Rate	APY	Term
Bonus Certificate 24 Month	3.69%	3.75%	24 Month
Min Deposit$40,000 Last Updated 02/10/2026
Bonus Certificate 36 Month	3.65%	3.71%	36 Month
Min Deposit$40,000 Last Updated 02/10/2026
Bonus Certificate 30 Month	3.60%	3.66%	30 Month
Min Deposit$40,000 Last Updated 02/10/2026
Bonus Certificate 48 Month	3.55%	3.60%	48 Month
Min Deposit$2,500 Last Updated 02/10/2026
Bonus Certificate 6 Month	3.55%	3.60%	6 Month
Min Deposit$40,000 Last Updated 02/10/2026
Bonus Certificate 60 Month	3.55%	3.60%	60 Month
Min Deposit$2,500 Last Updated 02/10/2026
Bonus Certificate 24 Month	3.54%	3.59%	24 Month
Min Deposit$2,500 Last Updated 02/10/2026
Bonus Certificate 36 Month	3.50%	3.55%	36 Month
Min Deposit$2,500 Last Updated 02/10/2026
Bonus Certificate 30 Month	3.45%	3.50%	30 Month
Min Deposit$2,500 Last Updated 02/10/2026
Bonus Certificate 6 Month	3.45%	3.50%	6 Month
Min Deposit$2,500 Last Updated 02/10/2026
Bonus Certificate 84 Month	3.45%	3.50%	84 Month
Min Deposit$40,000 Last Updated 02/10/2026
Bonus Certificate 84 Month	3.30%	3.35%	84 Month
Min Deposit$2,500 Last Updated 02/10/2026

Northrop Grumman Federal Credit Union Savings Rates

Product	Rate	APY
Holiday Club	0.40%	0.40%
Min Deposit$25 Min Balance$5 Last Updated 02/10/2026
Regular Savings	0.40%	0.40%
Min Deposit$5 Min Balance$5 Last Updated 02/10/2026
YOUth Education Savings	0.40%	0.40%
Min Deposit$5 Min Balance$5 Last Updated 02/10/2026
YOUth Launch Savings	0.40%	0.40%
Min Deposit$5 Min Balance$5 Last Updated 02/10/2026

Northrop Grumman Federal Credit Union Money Market Rates

Product	Rate	APY
IRA Money Market	1.20%	1.20%
Min Deposit$2,500 Min Balance$2,500 Last Updated 02/10/2026
Money Market	1.20%	1.20%
Min Deposit$2,500 Min Balance$2,500 Last Updated 02/10/2026

Northrop Grumman Federal Credit Union Checking Rates

Product	Rate	APY
Regular Checking	0.05%	0.05%
Min Deposit$25 Min Balance$1 Last Updated 02/10/2026
YOUth Journey Checking	0.05%	0.05%
Min Deposit$25 Min Balance$1 Last Updated 02/10/2026

Northrop Grumman Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.49%	3 Years
DetailsAPR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Last Updated 02/10/2026
Auto Loan	-	-	4.74%	4 Years
DetailsAPR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Last Updated 02/10/2026
Auto Loan	-	-	5.19%	4 Years
DetailsAPR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Last Updated 02/10/2026
Auto Loan	-	-	5.24%	6 Years
DetailsAPR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Last Updated 02/10/2026
Auto Loan	-	-	5.49%	6 Years
DetailsAPR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Last Updated 02/10/2026
Auto Loan	-	-	5.74%	7 Years
DetailsAPR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Last Updated 02/10/2026
Auto Loan	-	-	5.99%	7 years
DetailsAPR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Last Updated 02/10/2026

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

Credit Union Profile & Overview

Credit Union Name: Northrop Grumman Federal Credit Union

Website: https://www.ngfcu.us/

Full Time Employees: 246
Part Time Employees: 0
President: Diane Corral Lopez
CEO: Mark Rabinowitz
Branch Locations: 28
ATM Locations: 24

Corporate Office Address:

879 W 190th St
Gardena, CA 90248 4220
Phone Number: 310-808-4000
Fax Number:

Financials

Total Assets:

1,608,201,763

Total Amount of Shares and Deposits:

1,448,458,582

Total Shares and Deposits < 1 Year:

1,334,684,011

Total Shares and Deposits 1 3 Years:

73,802,306

Total Shares and Deposits > 3 Years:

39,972,265

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

116,680,817

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

116,680,817

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

1,331,777,765

Total Interest Expense (Sum of items 6 8):

22,309,236

Share Certificates:

10,327

Number of Accounts for Share Drafts:

99,604

IRA KEOGH Accounts:

2,299

Number of Accounts for Regular Shares:

59,684

All other shares:

141

Money Market Shares:

9,197

Total Cash on Deposit (Amounts Deposited in Financial Institutions):

119,969,186

Total Liabilities:

1,495,039,067

Source: NCUA Last Updated 09/30/2025

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Frequently Asked Questions About Northrop Grumman Federal Credit Union

Is a member application needed to join Northrop Grumman Federal Credit Union?

Yes, to access services at Northrop Grumman Federal Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, Northrop Grumman Federal Credit Union provides a range of mortgage and home equity products.

Is Northrop Grumman Federal Credit Union a safe place to deposit money?

Yes, Northrop Grumman Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.