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

Current rates for Rancho Federal Credit Union include: 12-Month CD: 2.76%, 24-Month CD: 2.80%, MMA: 0.80%

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Rancho Federal Credit Union

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Rancho Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Rancho Federal Credit Union?

Yes, to access services at Rancho 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Rancho 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

Rancho Federal Credit Union's top rates as of October 12, 2026 are 2.80% APY on its 24 Month Cert CD, 0.80% APY on money market accounts, personal loans from 10.99% APR, and credit cards from 10.75% APR, according to rates verified by MonitorBankRates. Other Rancho Federal Credit Union CD rates include 12 Month Cert at 2.76%, 36 Month Cert at 2.50%, and 6 Month Cert at 2.00%. MonitorBankRates evaluates the financial stability of Rancho Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.95%. Rates last updated and verified on 10/12/2026.

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

2.95%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Rancho Federal Credit Union
Downey

12620 Erickson Ave Ste H
Downey, CA 90242-4019

https://www.ranchofcu.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.

Rancho Federal Credit Union CD Rates

Product	Rate	APY	Term
24 Month Cert	2.76%	2.80%	24 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
12 Month Cert	2.73%	2.76%	12 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
36 Month Cert	2.47%	2.50%	36 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
6 Month Cert	1.99%	2.00%	6 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
3 Month Cert	1.76%	1.78%	3 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.78% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%

Rancho Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Restricted Christmas Club	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Vacation Club	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%

Rancho Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.80%	0.80%
Min Balance $250,000 Details Balance: $250,000.00 & OVER Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Money Market	0.60%	0.60%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Money Market	0.59%	0.60%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Money Market	0.32%	0.32%
Min Balance $2,500 Details Balance: $2,500.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.32% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%

Rancho Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC) Variable Rate	-	-	8.25%
Details 1.50% over Prime Rate for standard HELOC, OR 3.00% over Prime Rate for Credit Refresher or Non-Owner Occupied, with rates not lower than 5.00% and 7.00% respectively. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Home Equity Lines of Credit	-	-	8.25%	15 years
Details 5 year draw period; Customary underwriting fees range from $400 to $1,000; No fees to apply Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%

Rancho Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Auto Loans	-	-	4.74%	36 months / 3 years
Details As Low As; Subject to credit approval. Not all applicants will qualify for the lowest rate. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Vehicle Loans	-	-	4.74%	as long as 84 months
Details Loan amounts up to $150,000. Your loan term and amount may vary based on vehicle year, make, model, mileage and value. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
New & Used Auto Loans	-	-	5.24%	48 months / 4 years
Details As Low As; Subject to credit approval. Not all applicants will qualify for the lowest rate. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
New & Used Auto Loans	-	-	5.24%	60 months / 5 years
Details As Low As; Subject to credit approval. Not all applicants will qualify for the lowest rate. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
New & Used Auto Loans	-	-	5.74%	72 months / 6 years
Details As Low As; Subject to credit approval. Not all applicants will qualify for the lowest rate. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
New & Used Auto Loans	-	-	6.24%	84 months / 7 years
Details As Low As; Subject to credit approval. Not all applicants will qualify for the lowest rate. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%

Rancho Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle/ Watercraft/ATV Loan	-	9.75%	36 months / 3 years
Details As Low As; Subject to credit approval. Not all applicants will qualify for the lowest rate. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
New Motorcycle/ Watercraft/ATV Loan	-	9.75%	48 months / 4 years
Details As Low As; Subject to credit approval. Not all applicants will qualify for the lowest rate. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
New Motorcycle/ Watercraft/ATV Loan	-	9.75%	60 months / 5 years
Details As Low As; Subject to credit approval. Not all applicants will qualify for the lowest rate. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Used Motorcycle/ Watercraft/ATV Loan	-	9.75%	36 months / 3 years
Details As Low As; Subject to credit approval. Not all applicants will qualify for the lowest rate. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Used Motorcycle/ Watercraft/ATV Loan	-	9.75%	48 months / 4 years
Details As Low As; Subject to credit approval. Not all applicants will qualify for the lowest rate. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Used Motorcycle/ Watercraft/ATV Loan	-	9.75%	60 months / 5 years
Details As Low As; Subject to credit approval. Not all applicants will qualify for the lowest rate. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%

Rancho Federal Credit Union Credit Card Rates

Product	Rate	APR
Credit Cards	-	10.75%
Details No annual fee; No balance transfer fee; No cash advance fee if transaction is done in person or by phone; 25-day interest grace period on purchases; Worldwide acceptance and access to cash at international ATMs; Lost or stolen card reporting services by calling (866) 855-9050 during regular office hours or (888) 297-3416 after hours. You may earn valuable points toward travel and exciting merchandise just by using your card! Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Mastercard Premier	-	10.75%
Details Credit Limit: $1,000 to $15,000; Regular APR: N/A Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Mastercard Regular	-	15.96%
Details Credit Limit: $1,000 to $15,000; Variable APR: N/A Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 15.96% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%

Rancho Federal Credit Union Personal Loan Rates

Product	APR	Term
Closed End Personal Signature Loan	10.99%
Details Call for details Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Personal / Signature Loans	10.99%	up to 60 months
Details Loan amounts up to $25,000; No annual or prepayment penalties Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Bill Consolidation Loan	12.00%
Details Call for details Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Consolidation Loans	12.00%	up to 60 months
Details Loan amounts up to $25,000; No annual or prepayment penalties Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%

Rancho Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
24/7 Fast Cash - Anytime Loan	-	-	18.00%
Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 18.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%

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

Rancho Federal Credit Union’s Texas Ratio rose from 0.28% in Q3 2023 to 2.95% 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	$109M	2.95%	5.0	A+
March 31, 2026	$110M	0.76%	5.0	A+
December 31, 2025	$108M	0.94%	5.0	A+
September 30, 2025	$109M	1.80%	5.0	A+
June 30, 2025	$110M	1.87%	5.0	A+
March 31, 2025	$110M	1.76%	5.0	A+
December 31, 2024	$107M	1.01%	5.0	A+
September 30, 2024	$108M	1.17%	5.0	A+
June 30, 2024	$108M	2.75%	5.0	A+
March 31, 2024	$110M	0.17%	5.0	A+
December 31, 2023	$109M	0.41%	5.0	A+
September 30, 2023	$112M	0.28%	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 Rancho 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 Rancho 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 Rancho Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Rancho Federal Credit Union

Website https://www.ranchofcu.org

Address 12620 Erickson Ave Ste H, Downey, CA 90242-4019

Phone 562-803-6401

Fax 562-803-8798

President Jason Lockhart

CEO Beatrice Scott

Full-Time Employees 24

Part-Time Employees 1

Branch Locations 3

ATM Locations 2

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

2.95%

Return on Assets (ROA)

0.2372%

Return on Equity (ROE)

2.7455%

Non-Performing Loans Ratio (NPL)

0.47%

Total Assets

108,804,152

Total Amount of Shares and Deposits

99,727,295

Total Shares and Deposits < 1 Year

92,375,360

Total Shares and Deposits 1 3 Years

7,351,935

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

3,266,331

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

3,266,331

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

96,460,964

Total Interest Expense (Sum of items 6 8)

178,879

Share Certificates

317

Number of Accounts for Share Drafts

3,806

IRA KEOGH Accounts

148

Number of Accounts for Regular Shares

8,542

Money Market Shares

191

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)

10,006,483

Total Liabilities

99,560,203

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Rancho 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/rancho-federal-credit-union-rates-review-1204">
  <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.

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Frequently Asked Questions About Rancho Federal Credit Union

How many branches does Rancho Federal Credit Union operate?

Rancho 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 Rancho Federal Credit Union?

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

Does Rancho Federal Credit Union offer online and mobile banking?

Most modern institutions like Rancho 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.ranchofcu.org.