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San Diego Firefighters Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

San Diego Firefighters Federal Credit Union's top rates as of October 13, 2026 are 4.45% APY on its 12 Month CD, 0.25% APY on savings, 1.36% APY on money market accounts, personal loans from 8.49% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other San Diego Firefighters Federal Credit Union CD rates include 18 Month CD at 4.35%, 24 Month CD at 4.30%, and 36 Month CD at 4.25%. MonitorBankRates evaluates the financial stability of San Diego Firefighters Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.33%. Rates last updated and verified on 10/13/2026.

San Diego Firefighters 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 San Diego Firefighters Federal Credit Union? Share your experience about San Diego Firefighters Federal Credit Union by leaving a review below, or read customer reviews before you decide to use San Diego Firefighters 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 ?
1.33%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
San Diego Firefighters Federal Credit Union
San Diego Firefighters Federal Credit Union - Main Office
4926 La Cuenta Dr
San Diego, CA 92124-2609
https://www.sdffcu.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.

San Diego Firefighters Federal Credit Union CD Rates

Product Rate APY Term View More
12 Month Share Certificate 4.38% 4.45% 12 months
Min Balance $2,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20%
3.70%4.33%4.95%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.45% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.45%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
18 Month Share Certificate 4.28% 4.35% 18 months
Min Balance $2,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
3.75%4.30%4.85%Sep 14, 2026: 4.25% APYOct 13, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
24 Month Share Certificate 4.23% 4.30% 24 months
Min Balance $2,000
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
36 Month Share Certificate 4.18% 4.25% 36 months
Min Balance $2,000
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
48 Month Share Certificate 4.18% 4.25% 48 months
Min Balance $2,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
3.70%4.23%4.75%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
60 Month Share Certificate 4.18% 4.25% 60 months
Min Balance $2,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
6 Month Share Certificate 4.09% 4.15% 6 months
Min Balance $2,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.15% / low 4.10%
3.60%4.13%4.65%Sep 14, 2026: 4.10% APYOct 13, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.15%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
3 Month Share Certificate 3.455% 3.50% 3 Months
Min Balance $2,000
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 14, 2026: 3.40% APYOct 13, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.50%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%

San Diego Firefighters Federal Credit Union Savings Rates

Product Rate APY View More
Share Savings 0.25% 0.25%
Min Balance $100
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%

San Diego Firefighters Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market 1.35% 1.36%
Min Balance $500,000
Details Balance: $500k+
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.36% APY · checked 6 times
0.86%1.36%1.86%Sep 14, 2026: 1.36% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Money Market 1.15% 1.15%
Min Balance $100,000
Details Balance: $100k - $499,999.99
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 6 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Money Market 1.00% 1.00%
Min Balance $50,000
Details Balance: $50k - $99,999.99
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Money Market 0.75% 0.75%
Min Balance $25,000
Details Balance: $25k - $49,999.99
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Money Market 0.50% 0.50%
Min Balance $10,000
Details Balance: $10k - $24,999.99
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Money Market 0.25% 0.25%
Min Balance $1,000
Details Balance: $1k - $9999.99
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%

San Diego Firefighters Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 6.99% 25 years
Details APR* As Low As; Max Loan Amount: up to $250,000; Max CLTV: Up to 80% Combined Loan to Value; Adjustments based on Prime Rate plus 0.750% margin; annual adjustment each July 1st, max annual adjustment cap 2% per year, lifetime cap 6% over start rate
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 9 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: 1.33%

San Diego Firefighters Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - Model Years 2021 and Newer - - 4.19% up to 24 Months
Details As Low As; Up to 120% financing
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.19% APR
3.69%4.19%4.69%Oct 13, 2026: 4.19% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Auto Loan - Model Years 2021 and Newer - - 4.19% up to 36 Months
Details As Low As; Up to 120% financing
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.19% APR
3.69%4.19%4.69%Oct 13, 2026: 4.19% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Auto Model Years 2016-2020 - - 4.19% up to 24 Months
Details As Low As; APR* as low as; Model Years 2016-2020
Last Updated 10/13/2026
Rate History
No change since Sep 17, 2026 · 4.19% APR · checked 7 times
3.69%4.19%4.69%Sep 17, 2026: 4.19% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Auto Model Years 2016-2020 - - 4.19% up to 36 Months
Details As Low As; APR* as low as; Model Years 2016-2020
Last Updated 10/13/2026
Rate History
No change since Sep 17, 2026 · 4.19% APR · checked 7 times
3.69%4.19%4.69%Sep 17, 2026: 4.19% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Auto Loan - Model Years 2021 and Newer - - 4.39% up to 48 Months
Details As Low As; Up to 120% financing
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.39% APR
3.89%4.39%4.89%Oct 13, 2026: 4.39% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Auto Model Years 2016-2020 - - 4.39% up to 48 Months
Details As Low As; APR* as low as; Model Years 2016-2020
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 4.39% APR · checked 8 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Auto Loan - Model Years 2021 and Newer - - 4.49% up to 60 Months
Details As Low As; Up to 120% financing
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 13, 2026: 4.49% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Auto Model Years 2016-2020 - - 4.49% up to 60 Months
Details As Low As; APR* as low as; Model Years 2016-2020
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 8 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Auto Loan - Model Years 2021 and Newer - - 4.89% up to 72 Months
Details As Low As; Up to 120% financing
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.89% APR
4.39%4.89%5.39%Oct 13, 2026: 4.89% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Auto Model Years 2016-2020 - - 4.89% up to 72 Months
Details As Low As; APR* as low as; Model Years 2016-2020
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 8 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Auto Loan - Model Years 2021 and Newer - - 4.99% up to 84 Months
Details As Low As; Up to 120% financing
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%

San Diego Firefighters Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Motorcycles Model Year 2021 or Newer Loan - 4.94% up to 24 Months
Details As Low As; Up to 100% LTV; Model year 2021 or newer
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 4.94% APR · checked 5 times
4.44%4.94%5.44%Sep 14, 2026: 4.94% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Motorcycles Model Years 2016 to 2020 Loan - 4.94% up to 24 Months
Details As Low As; Up to 80% LTV
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.94% APR
4.44%4.94%5.44%Oct 13, 2026: 4.94% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Motorcycles Model Year 2021 or Newer Loan - 5.54% up to 48 Months
Details As Low As; Up to 100% LTV; Model year 2021 or newer
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 5.54% APR · checked 5 times
5.04%5.54%6.04%Sep 14, 2026: 5.54% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Motorcycles Model Years 2016 to 2020 Loan - 5.54% up to 48 Months
Details As Low As; Up to 80% LTV
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 5.54% APR
5.04%5.54%6.04%Oct 13, 2026: 5.54% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Motorcycles Model Year 2021 or Newer Loan - 5.74% up to 60 Months
Details As Low As; Up to 100% LTV; Model year 2021 or newer
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Motorcycles Model Years 2016 to 2020 Loan - 5.74% up to 60 Months
Details As Low As; Up to 80% LTV
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 13, 2026: 5.74% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Boat 2019 to 2021 Loan - 5.94% up to 60 Months
Details As Low As; Up to 90% LTV; Model year 2019 to 2021
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 5.94% APR · checked 8 times
5.44%5.94%6.44%Sep 14, 2026: 5.94% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Boat 2022 or newer Loan - 5.94% up to 60 Months
Details As Low As; Up to 100% LTV; Boats require a Marine Survey
Last Updated 10/13/2026
Rate History
No change since Sep 21, 2026 · 5.94% APR · checked 5 times
5.44%5.94%6.44%Sep 21, 2026: 5.94% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
RV Loan - Model Years 2021 or Newer - 5.94% up to 60 Months
Details As Low As; Model Years 2021 or Newer
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 5.94% APR · checked 8 times
5.44%5.94%6.44%Sep 14, 2026: 5.94% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
RV Model Years 2018 to 2020 Loan - 5.94% up to 60 Months
Details As Low As; Model years 2018 to 2020; up to 90% LTV
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 5.94% APR · checked 2 times
5.44%5.94%6.44%Sep 18, 2026: 5.94% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
RV Loan - Model Years 2021 or Newer - 6.14% up to 72 Months
Details As Low As; Model Years 2021 or Newer
Last Updated 10/13/2026
Rate History
No change since Sep 17, 2026 · 6.14% APR · checked 7 times
5.64%6.14%6.64%Sep 17, 2026: 6.14% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
RV Loan - Model Years 2021 or Newer - 6.14% up to 84 Months
Details As Low As; Model Years 2021 or Newer
Last Updated 10/13/2026
Rate History
No change since Sep 17, 2026 · 6.14% APR · checked 7 times
5.64%6.14%6.64%Sep 17, 2026: 6.14% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
RV Model Years 2018 to 2020 Loan - 6.14% up to 72 Months
Details As Low As; Model years 2018 to 2020; up to 90% LTV
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 6.14% APR · checked 2 times
5.64%6.14%6.64%Sep 18, 2026: 6.14% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
RV Model Years 2018 to 2020 Loan - 6.14% up to 84 Months
Details As Low As; Model years 2018 to 2020; up to 90% LTV
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 6.14% APR · checked 2 times
5.64%6.14%6.64%Sep 18, 2026: 6.14% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Boat 2019 to 2021 Loan - 6.24% up to 72 Months
Details As Low As; Up to 90% LTV; Model year 2019 to 2021
Last Updated 10/13/2026
Rate History
No change since Sep 17, 2026 · 6.24% APR · checked 7 times
5.74%6.24%6.74%Sep 17, 2026: 6.24% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Boat 2019 to 2021 Loan - 6.24% up to 84 Months
Details As Low As; Up to 90% LTV; Model year 2019 to 2021
Last Updated 10/13/2026
Rate History
No change since Sep 17, 2026 · 6.24% APR · checked 7 times
5.74%6.24%6.74%Sep 17, 2026: 6.24% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Boat 2022 or newer Loan - 6.24% up to 72 Months
Details As Low As; Up to 100% LTV; $12,000 minimum loan amount for 72-month term; Boats require a Marine Survey
Last Updated 10/13/2026
Rate History
No change since Sep 21, 2026 · 6.24% APR · checked 5 times
5.74%6.24%6.74%Sep 21, 2026: 6.24% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Boat 2022 or newer Loan - 6.24% up to 84 Months
Details As Low As; Up to 100% LTV; $30,000 minimum loan amount for 73-84-month term; Boats require a Marine Survey
Last Updated 10/13/2026
Rate History
No change since Sep 21, 2026 · 6.24% APR · checked 5 times
5.74%6.24%6.74%Sep 21, 2026: 6.24% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Motorcycles Model Year 2021 or Newer Loan - 6.24% up to 72 Months
Details As Low As; Up to 100% LTV; Model year 2021 or newer
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 5 times
5.74%6.24%6.74%Sep 14, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Motorcycles Model Years 2016 to 2020 Loan - 6.24% up to 72 Months
Details As Low As; Up to 80% LTV
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 13, 2026: 6.24% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Motorcycles Model Year 2021 or Newer Loan - 6.64% up to 84 Months
Details As Low As; Up to 100% LTV; Model year 2021 or newer
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.64% APR · checked 5 times
6.14%6.64%7.14%Sep 14, 2026: 6.64% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Motorcycles Model Years 2016 to 2020 Loan - 6.64% up to 84 Months
Details As Low As; Up to 80% LTV
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 6.64% APR
6.14%6.64%7.14%Oct 13, 2026: 6.64% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
RV Loan - Model Years 2021 or Newer - 6.64% up to 120 Months
Details As Low As; Model Years 2021 or Newer
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.64% APR · checked 8 times
6.14%6.64%7.14%Sep 14, 2026: 6.64% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
RV Model Years 2018 to 2020 Loan - 6.64% up to 120 Months
Details As Low As; Model years 2018 to 2020; up to 90% LTV
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 6.64% APR · checked 2 times
6.14%6.64%7.14%Sep 18, 2026: 6.64% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Boat 2019 to 2021 Loan - 6.74% up to 120 Months
Details As Low As; Up to 90% LTV; Model year 2019 to 2021
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 8 times
6.24%6.74%7.24%Sep 14, 2026: 6.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Boat 2022 or newer Loan - 6.74% up to 120 Months
Details As Low As; Up to 100% LTV; $75,000 minimum loan amount for 85-144-month term; Boats require a Marine Survey
Last Updated 10/13/2026
Rate History
No change since Sep 21, 2026 · 6.74% APR · checked 5 times
6.24%6.74%7.24%Sep 21, 2026: 6.74% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Boat 2019 to 2021 Loan - 7.44% up to 144 Months
Details As Low As; Up to 90% LTV; Model year 2019 to 2021
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 7.44% APR · checked 8 times
6.94%7.44%7.94%Sep 14, 2026: 7.44% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Boat 2022 or newer Loan - 7.44% up to 144 Months
Details As Low As; Up to 100% LTV; $75,000 minimum loan amount for 85-144-month term; Boats require a Marine Survey
Last Updated 10/13/2026
Rate History
No change since Sep 21, 2026 · 7.44% APR · checked 5 times
6.94%7.44%7.94%Sep 21, 2026: 7.44% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
RV Loan - Model Years 2021 or Newer - 7.44% up to 144 Months
Details As Low As; Model Years 2021 or Newer
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 7.44% APR · checked 8 times
6.94%7.44%7.94%Sep 14, 2026: 7.44% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
RV Model Years 2018 to 2020 Loan - 7.44% up to 144 Months
Details As Low As; Model years 2018 to 2020; up to 90% LTV
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 7.44% APR · checked 2 times
6.94%7.44%7.94%Sep 18, 2026: 7.44% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%

San Diego Firefighters Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Platinum - 9.90%
Details Credit limit up to 30k; APR as low as
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 9.90% APR · checked 6 times
9.40%9.90%10.40%Sep 14, 2026: 9.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Visa Gold - 11.90%
Details Credit limit up to 20k; APR as low as
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 11.90% APR · checked 6 times
11.40%11.90%12.40%Sep 14, 2026: 11.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Visa Classic - 12.90%
Details Credit limit up to 10k; APR as low as
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 12.90% APR · checked 6 times
12.40%12.90%13.40%Sep 14, 2026: 12.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%

San Diego Firefighters Federal Credit Union Personal Loan Rates

Product APR Term View More
Signature Loan 8.49%
Details As Low As; Term: Open; APR* Annual Percentage Rate may vary based on credit qualifications
Last Updated 10/13/2026
Rate History
No change since Sep 21, 2026 · 8.49% APR · checked 5 times
7.99%8.49%8.99%Sep 21, 2026: 8.49% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%

San Diego Firefighters Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Line of Credit - - 13.90%
Details As Low As; Rates current as of October 13, 2026; APR may vary based on credit qualifications
Last Updated 10/13/2026
Rate History
No change since Sep 21, 2026 · 13.90% APR · checked 5 times
13.40%13.90%14.40%Sep 21, 2026: 13.90% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Solar Energy Loan - - 5.24% Up to 60 Months
Details As Low As; Maximum Loan Amount: $125,000
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Solar Energy Loan - - 6.24% Up to 120 Months
Details As Low As; Maximum Loan Amount: $125,000
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 13, 2026: 6.24% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Solar Energy Loan - - 7.24% Up to 180 Months
Details As Low As; Maximum Loan Amount: $125,000
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 7.24% APR
6.74%7.24%7.74%Oct 13, 2026: 7.24% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Solar Energy Loan - - 7.99% Up to 240 Months
Details As Low As; Maximum Loan Amount: $125,000
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 7.99% APR
7.49%7.99%8.49%Oct 13, 2026: 7.99% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
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.
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Financial Health History

San Diego Firefighters Federal Credit Union’s Texas Ratio fell from 1.83% in Q3 2023 to 1.33% 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★ 0.6% 2.0★ 1.2% 3.0★ 1.9% 4.0★ 2.5% 5.0★ Healthy zone – entire history below the 15% limit 1.83% 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 1.33% 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$153M1.33%5.0A+
March 31, 2026$152M0.53%5.0A+
December 31, 2025$150M0.22%5.0A+
September 30, 2025$146M0.91%5.0A+
June 30, 2025$144M1.01%5.0A+
March 31, 2025$143M0.72%5.0A+
December 31, 2024$134M1.74%5.0A+
September 30, 2024$131M0.73%5.0A+
June 30, 2024$127M0.40%5.0A+
March 31, 2024$131M0.03%5.0A+
December 31, 2023$127M1.79%5.0A+
September 30, 2023$127M1.83%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 San Diego Firefighters 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 San Diego Firefighters 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 San Diego Firefighters Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name San Diego Firefighters Federal Credit Union
Website https://www.sdffcu.org
Address 4926 La Cuenta Dr, San Diego, CA 92124-2609
Phone 800-973-3328
Fax 619-283-1725
President Michael McCormick
CEO Matthew Herbert
Full-Time Employees 13
Part-Time Employees 0
Branch Locations 2
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
1.33%
Return on Assets (ROA)
0.2760%
Return on Equity (ROE)
3.5944%
Non-Performing Loans Ratio (NPL)
0.26%
Total Assets
152,577,410
Total Amount of Shares and Deposits
140,940,611
Total Shares and Deposits < 1 Year
130,414,501
Total Shares and Deposits 1 3 Years
8,703,658
Total Shares and Deposits > 3 Years
1,822,452
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
23,146,011
Total Uninsured Shares and Deposits > $250K (F+J)
23,146,011
Total Insured Shares and Deposits > $250K (item 17 less item K)
117,794,600
Total Interest Expense (Sum of items 6 8)
1,249,823
Share Certificates
724
Number of Accounts for Share Drafts
3,107
IRA KEOGH Accounts
88
Number of Accounts for Regular Shares
4,162
All other shares
967
Money Market Shares
122
Net Income (unless the amount is already included in Undivided Earnings)
421,153
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)
36,098,755
Total Liabilities
141,632,562
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

San Diego Firefighters 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.

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  <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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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About San Diego Firefighters Federal Credit Union

How many branches does San Diego Firefighters Federal Credit Union operate?

San Diego Firefighters 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 San Diego Firefighters Federal Credit Union?

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

Does San Diego Firefighters Federal Credit Union offer online and mobile banking?

Most modern institutions like San Diego Firefighters 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.sdffcu.org.

Current San Diego Firefighters Federal Credit Union Rates

  • 12-Month CD4.45%
  • 18-Month CD4.35%
  • 24-Month CD4.30%
  • 60-Month CD4.25%
  • Savings0.25%
  • MMA1.36%
Retrieved from our database of financial products. Rates subject to change.

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