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Northrop Grumman Federal Credit Union Rates & Review April 2026

Northrop Grumman Federal Credit Union's Bonus CD 12-Month rates are at 3.84%, Bonus CDs 12 Month rates are at 3.84%, Bonus IRA CDs 12 Month rates are at 3.84%, Bonus CDs 48 Month rates are at 3.76%, Bonus CDs 60 Month rates are at 3.76%. Northrop Grumman Federal Credit Union's savings rates are at 0.30%. Northrop Grumman Federal Credit Union's money market rates are at 1.15%. Northrop Grumman Federal Credit Union's Personal Loan Rates are at 9.49%. MonitorBankRates evaluates the financial stability of Northrop Grumman Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.91%. Rates were last updated on 04/18/2026.

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

Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
8.91%
Excellent Higher than avg
Northrop Grumman Federal Credit Union
Gardena Main Office
879 W 190th St
Gardena, CA 90248 4220
https://www.ngfcu.us/
Member NCUA

Northrop Grumman Federal Credit Union CD Rates

Product Rate APY Term View More
Bonus Certificate 12-Month - 3.84% 12
No additional details.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
Bonus Certificates 12 Month 3.78% 3.84% 12 Month
Min Balance $40,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
Bonus IRA Certificates 12 Month 3.78% 3.84% 12
Min Balance $40,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
Bonus Certificates 48 Month 3.70% 3.76% 48 Month
Min Balance $40,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
Bonus Certificates 60 Month 3.70% 3.76% 60 Month
Min Balance $40,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
Bonus IRA Certificates 48 Month 3.70% 3.76% 48
Min Balance $40,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
Bonus IRA Certificates 60 Month 3.70% 3.76% 60
Min Balance $40,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
Bonus Certificates 24 Month 3.69% 3.75% 24 Month
Min Balance $40,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
Bonus IRA Certificates 24 Month 3.69% 3.75% 24
Min Balance $40,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
Bonus Certificates 36 Month 3.65% 3.71% 36 Month
Min Balance $40,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
Bonus IRA Certificates 36 Month 3.65% 3.71% 36
Min Balance $40,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
12 Month Certificates 3.63% 3.69% 12 Month
Min Balance $2,500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
IRA Certificates 12 Month 3.63% 3.69% 12
Min Balance $2,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
YOUth Boost 12-Month Certificates 3.63% 3.69% YOUth Boost 12-Month
Min Balance $250
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
Bonus Certificates 30 Month 3.60% 3.66% 30 Month
Min Balance $40,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
48 Month Certificates 3.55% 3.60% 48 Month
Min Balance $2,500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
60 Month Certificates 3.55% 3.60% 60 Month
Min Balance $2,500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
Bonus Certificates 6 Month 3.55% 3.60% 6 Month
Min Balance $40,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
IRA Certificates 48 Month 3.55% 3.60% 48
Min Balance $2,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
IRA Certificates 60 Month 3.55% 3.60% 60
Min Balance $2,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
24 Month Certificates 3.54% 3.59% 24 Month
Min Balance $2,500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
IRA Certificates 24 Month 3.54% 3.59% 24
Min Balance $2,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
36 Month Certificates 3.50% 3.55% 36 Month
Min Balance $2,500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
IRA Certificates 36 Month 3.50% 3.55% 36
Min Balance $2,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
30 Month Certificates 3.45% 3.50% 30 Month
Min Balance $2,500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
6 Month Certificates 3.45% 3.50% 6 Month
Min Balance $2,500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
Bonus Certificates 84 Month 3.45% 3.50% 84 Month
Min Balance $40,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
Bonus IRA Certificates 84 Month 3.45% 3.50% 84
Min Balance $40,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
84 Month Certificates 3.30% 3.35% 84 Month
Min Balance $2,500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
IRA Certificates 84 Month 3.30% 3.35% 84
Min Balance $2,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%

Northrop Grumman Federal Credit Union Savings Rates

Product Rate APY View More
Holiday Club 0.30% 0.30%
Min Balance $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
Regular Savings 0.30% 0.30%
Min Balance $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
YOUth Education Savings 0.30% 0.30%
Min Balance $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
YOUth Launch Savings 0.30% 0.30%
Min Balance $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%

Northrop Grumman Federal Credit Union Money Market Rates

Product Rate APY View More
IRA Money Market 1.15% 1.15%
Min Balance $2,500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
Money Market 1.15% 1.15%
Min Balance $2,500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%

Northrop Grumman Federal Credit Union Checking Rates

Product Rate APY View More
Regular Checking 0.05% 0.05%
Min Balance $1
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
YOUth Journey Checking 0.05% 0.05%
Min Balance $1
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%

Northrop Grumman Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
HELOC - - 7.00%
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%

Northrop Grumman Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 4.24%
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%

Northrop Grumman Federal Credit Union Credit Card Rates

Product Rate APR View More
Low Rate Visa Card or Mastercard - 4.99%
Details Introductory APR on purchases in the first 6 months
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%

Northrop Grumman Federal Credit Union Personal Loan Rates

Product Rate APR View More
Personal Signature Loan - Closed Fixed APR as low as - 9.49%
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
MoneyMaster (Personal) Line of Credit Variable APR - 12.00%
Details As Low As; Payment calculated on a monthly factor of 2.25% for each increment or partial increment of $1,000 outstanding balance and rounded to the next even dollar amount. See credit agreement for more details.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%
MoneyMaster (Personal) Line of Credit Fixed APR - 17.50%
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.91%

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
Address 879 W 190th St, Gardena, CA 90248 4220
Phone 310-808-4000
Fax
President Diane Corral Lopez
CEO Mark Rabinowitz
Full-Time Employees 246
Part-Time Employees 0
Branch Locations 28
ATM Locations 24
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.91%
Return on Assets (ROA)
0.1533%
Return on Equity (ROE)
1.6603%
Non-Performing Loans Ratio (NPL)
1.59%
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

Customer Reviews

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Frequently Asked Questions About Northrop Grumman Federal Credit Union

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

Yes, Northrop Grumman Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 8.9129904220268%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Northrop Grumman Federal Credit Union operate?

Northrop Grumman 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 Northrop Grumman Federal Credit Union?

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

Does Northrop Grumman Federal Credit Union offer online and mobile banking?

Most modern institutions like Northrop Grumman 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.ngfcu.us/.

Current Northrop Grumman Federal Credit Union Rates

  • 12-Month CD3.69%
  • 24-Month CD3.59%
  • 60-Month CD3.60%
  • Savings0.30%
  • MMA1.15%
Retrieved from our database of financial products. Rates subject to change.