Certified Federal Credit Union

Headquarters

4455 Arden Dr
El Monte, CA 91731
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.70% →
1-Year CD 0.85% 2.02% →
2-Year CD 0.80% 2.87% →
5-Year CD 1.25% 3.50% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Certified is an NCUA insured institution located in El Monte, CA. It was founded in 1954 and has approximately $791.51 millions in assets.

Who can join?

Those who are eligible to join Vons Credit Union include:

All Vons and Unified employees, their family members, and households
Employees of companies who do business with Unified Grocers.

Anyone who lives, works, attends school or worships in the areas of El Monte, South El Monte, Monrovia, Irwindale, Temple City, Arcadia and parts of the City of Industry

Companies located in the areas listed above that would like to offer Vons Credit Union membership as an additional employee benefit

Membership is a benefit that can be shared. Once you become a member of Vons Credit Union, your family and household are eligible to join as well, regardless of where they live, work or worship.

NCUA Insured Yes / Federally Chartered
Charter Number # # 9230
Date Established 1954
Assets $791.51 million
Loans $423.95 million
Deposits $635.62 million
Capital $140.78 million
 

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in El Monte, South El Monte, Monrovia, Irwindale, Temple City, Arcadia and parts of the City of Industry. Membership is also open to All Vons, Pavilions and Albertsons employees, their family members, and households, or employees of companies who do business with Unified Grocers.

Deposit Rates - July 6, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.55% $100,000 $199,999 Learn More
12 Mo CD
0.70% $10,000 $14,999 Learn More
12 Mo CD
0.85% $100,000 $199,999 Learn More
18 Mo CD
0.75% $10,000 $14,999 Learn More
18 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.80% $10,000 $14,999 Learn More
24 Mo CD
0.80% $100,000 $199,999 Learn More
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
0.85% $100,000 $199,999 Learn More
60 Mo CD
1.16% $10,000 $14,999 Learn More
60 Mo CD
1.25% $100,000 $199,999 Learn More

Loan Rates - July 6, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for CERTIFIED

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
5.750% 5.625% 0.88 $3,438 $1,440 Learn More
Better.com
NMLS ID: 330511
5.454% 5.375% 0.88 $2,218 $1,400 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.887% 5.750% 1.00 $3,750 $1,459 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
4.240 %
After Intro: 5.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to CERTIFIED
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Certified branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California


Certified Locations



Climate Initiatives

CERTIFIED is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Certified Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Certified. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Certified U.S. Average
1.39% 4.85

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2021, Certified had $1,961,030 in non-current loans and $60,660 in owned assets. To cover these potential losses it had $140,782,272 in net worth and $4,479,110 in loans loss reserves. That gives it a Texas Ratio of 1.39%.

Net Worth
Certified U.S. Average
17.78% 12.36%

Certified FCU has a net worth of 17.78% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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