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

Current rates for Rize Federal Credit Union include: 12-Month CD: 3.75%, 18-Month CD: 4.00%, 24-Month CD: 3.00%, 60-Month CD: 4.25%, Savings: 4.00%, MMA: 3.60%

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Rize Federal Credit Union

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Rize Federal Credit Union Rates & Review October 2026

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

Yes, to access services at Rize 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, Rize 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

Rize Federal Credit Union's top rates as of October 12, 2026 are 4.25% APY on its IRA CD Accounts - 60 month, 4.00% APY on savings, 3.60% APY on money market accounts, and 7.50% APY on checking, according to rates verified by MonitorBankRates. Other Rize Federal Credit Union CD rates include IRA CD Accounts - 18 month at 4.00%, IRA CD Accounts - 48 month at 4.00%, and IRA CD Accounts - 12 month at 3.75%. MonitorBankRates evaluates the financial stability of Rize Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.24%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.24%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Rize Federal Credit Union
Corporate Office

12701 Schabarum Ave
Irwindale, CA 91706

https://www.scefcu.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.

Rize Federal Credit Union CD Rates

Product	Rate	APY	Term
IRA Certificate Accounts - 60 month	4.17%	4.25%	60 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
IRA Certificate Accounts - 18 month	3.93%	4.00%	18 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
IRA Certificate Accounts - 48 month	3.93%	4.00%	48 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
IRA Certificate Accounts - 12 month	3.69%	3.75%	12 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
IRA Certificate Accounts - 24 month	3.20%	3.25%	24 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
IRA Certificate Accounts - 36 month	3.20%	3.25%	36 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
24 Month Impact Certificate	2.96%	3.00%	24 months
Details 24-month Impact Certificate; opened online; 2% of opening deposit donated to the organization selected (Center for Financial Empowerment or CA Wildfire Relief) over 12 months; donation forfeited on early withdrawal Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%

Rize Federal Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings	3.93%	4.00%
Details Qualifications Required; Balance: <= $25,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
High-Yield Savings	1.98%	2.00%
Min Balance $25,000 Details Qualifications Required; Balance: $25,000.01 - $50,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
IRA Savings Accounts	0.10%	0.10%
Min Balance $0 Details Balance: $0 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Super Saver	0.10%	0.10%
Min Balance $0 Details Balance: $0 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Youth Super Saver	0.10%	0.10%
Min Balance $0 Details Balance: $0; Open to members under 18 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Health Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
High-Yield Savings	0.05%	0.05%
Min Balance $0 Details Qualifications Required; Balance: > $50,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Prime Savings	0.05%	0.05%
Min Balance $250 Details Balance: $250; $5 minimum deposit to secure Credit Union membership Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Vacation & Holiday Club	0.05%	0.05%
Min Deposit $10 Min Balance $0 Details Balance: $0; $10 opening deposit; one scheduled distribution per year (June 1 for Vacation, November 1 for Holiday); early withdrawal fee of $15 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
Youth Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0; Open to members under 18 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%

Rize Federal Credit Union Money Market Rates

Product	Rate	APY
High-Yield IRA Money Market Accounts	3.54%	3.60%
Min Balance $100,000 Details Balance: $100,000.01 or > Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
High-Yield IRA Money Market Accounts	3.06%	3.10%
Min Balance $25,000 Details Balance: $25,000.01 - $100,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%
High-Yield IRA Money Market Accounts	2.57%	2.60%
Min Balance $0 Details Balance: $0 - $25,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 2.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%

Rize Federal Credit Union Checking Rates

Product	Rate	APY	View More
RizeTM Checking	7.25%	7.50%
Details Qualifications Required; Qualifying balance up to $10,000.00; Online Only Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%

Rize Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Commercial Advantage	0.05%	-	0.05%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.24%

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

Rize Federal Credit Union’s Texas Ratio rose from 3.45% in Q3 2023 to 6.24% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$1.3B	6.24%	5.0	A
March 31, 2026	$1.3B	6.34%	5.0	A
December 31, 2025	$1.3B	6.55%	5.0	A
September 30, 2025	$1.2B	4.45%	5.0	A+
June 30, 2025	$1.2B	3.76%	5.0	A+
March 31, 2025	$1.2B	4.83%	5.0	A+
December 31, 2024	$1.2B	6.44%	5.0	A
September 30, 2024	$1.2B	5.49%	5.0	A+
June 30, 2024	$1.1B	4.52%	5.0	A+
March 31, 2024	$1.1B	3.81%	5.0	A+
December 31, 2023	$1.1B	4.29%	5.0	A+
September 30, 2023	$1.0B	3.45%	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 Rize 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 Rize 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 Rize Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Rize Federal Credit Union

Website https://www.scefcu.org

Address 12701 Schabarum Ave, Irwindale, CA 91706

Phone 626-960-6888

Fax 626-646-2255

President Michael Maxwell

CEO Jennifer Oliver

Full-Time Employees 182

Part-Time Employees 17

Branch Locations 10

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.24%

Return on Assets (ROA)

-0.1403%

Return on Equity (ROE)

-1.3513%

Non-Performing Loans Ratio (NPL)

0.89%

Total Assets

1,293,726,752

Total Amount of Shares and Deposits

1,055,128,521

Total Shares and Deposits < 1 Year

926,257,997

Total Shares and Deposits 1 3 Years

109,639,224

Total Shares and Deposits > 3 Years

19,231,299

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

101,902,895

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

101,902,895

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

953,225,626

Total Interest Expense (Sum of items 6 8)

14,553,174

Share Certificates

6,399

Number of Accounts for Share Drafts

53,474

IRA KEOGH Accounts

2,300

Number of Accounts for Regular Shares

98,567

Non Member Deposits

Money Market Shares

7,763

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)

54,651,846

Total Liabilities

1,203,085,393

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Rize 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"
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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Rize Federal Credit Union

How many branches does Rize Federal Credit Union operate?

Rize 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 Rize Federal Credit Union?

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

Does Rize Federal Credit Union offer online and mobile banking?

Most modern institutions like Rize 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.scefcu.org.