Certified Federal Credit Union
Headquarters
4455 Arden Dr
El Monte, CA 91731
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2024 Overview
General Credit Union Information
Certified is an NCUA insured institution located in El Monte, CA. It was founded in 1954 and has approximately $781.72 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 | $781.72 million |
| Loans | $524.77 million |
| Deposits | $611.26 million |
| Capital | $158.66 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 - April 19, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
|
Money Market
|
0.15% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.16% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.25% | $100,000 | $199,999 |
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|
Loan Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 2059741 |
6.994% | 6.875% | 0.63 | $3,901 | $2,103 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: 491986 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Certified
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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:
Columbus,Ohio
Climate Policy and Initiatives
CERTIFIED is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 2.70% | 6.97 |
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, 2023, Certified had $4,216,660 in non-current loans and $196,902 in owned assets. To cover these potential losses it had $158,655,434 in net worth and $5,036,932 in loans loss reserves. That gives it a Texas Ratio of 2.70%.
Net Worth
| Certified | U.S. Average |
|---|---|
| 20.28% | 13.62% |
Certified FCU has a net worth of 20.28% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Certified
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