Chevron Federal Credit Union

475 14th St 9th FL
Oakland, CA 94612
800-232-8101
www.chevronfcu.org

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Chevron Federal Credit Union is headquartered in OAKLAND and is the 15^st largest credit union in the state of California. It is also the 74^th largest credit union in the nation. It was established in 1935 and as of September of 2011, it had grown to 182 employees and 73,661 members. Chevron Federal Credit Union's money market rates are 36% higher than the national average, and it boasts a 5-star health rating.

Competitive Long-Term CD Rates At Chevron FCU In CA, TX, LA & MS (Forum) - 11/19/2010

The CD rates are not that great, but they're competitive especially for where they have branches in Northern California. Some of Chevron FCU's best CD rates as of 11/19/2010 include: 2.50% APY 5-year CD, min $100K 1.95% APY 3-year CD, min $100K 1.30%

2.30% 20-Month CD Special at Chevron FCU in California - Limited Membership - 3/12/2010

Chevron Federal Credit Union is offering two competitive CD specials: a 1.90% APY 15-month CD and a 2.30% APY 20-month CD. Minimum deposit is $500. These specials are listed in the credit union's pro ...

4.15% 10-Month CD at a Multi-State CU (Chevron). - 4/24/2008

Update 5/10/08: The 10-month CD special is no longer listed at the credit union's website.Chevron Federal Credit Union has a special 10-month CD with a yield of 4.15% APY. The minimum deposit is $500, and it's also available for Traditional and Roth...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Chevron Federal Credit Union Checking Account Rates

Apy	Min	Max	Product
0.40%	$25	$500	Accumulative IRA Checking
0.40%	$25	$500	Accumulative Roth IRA Checking

Chevron Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
7.00%	$25	$1k	MySavings
0.40%	$25	-	Primary Savings

Chevron Federal Credit Union Money Market Rates

Apy	Min	Max	Product
0.60%	$2,500	-	MarketEdge Savings
0.60%	$2,500	-	MarketEdge IRA Savings

Chevron Federal Credit Union CD Rates

Apy	Min	Max	Product
1.90%	$100k	-	5-Year SuperShare 100 CD
1.85%	$50k	-	5-Year SuperShare 50 CD
1.80%	$500	-	5-Year CD
1.65%	$100k	-	4-Year SuperShare 100 CD
1.60%	$50k	-	4-Year SuperShare 50 CD
1.55%	$500	-	4-Year CD
1.40%	$100k	-	3-Year SuperShare 100 CD
1.35%	$50k	-	3-Year SuperShare 50 CD
1.30%	$500	-	3-Year CD
1.20%	$100k	-	2-Year SuperShare 100 CD
1.15%	$50k	-	2-Year SuperShare 50 CD
1.10%	$500	-	2-Year CD
0.90%	$100k	-	1-Year SuperShare 100 CD
0.85%	$50k	-	1-Year SuperShare 50 CD
0.80%	$500	-	1 Year CD
0.75%	$500	-	9 Month CD
0.70%	$500	-	6 Month CD
0.65%	$500	-	3 Month CD

Chevron Federal Credit Union IRA Rates

Apy	Min	Max	Product
1.90%	$100k	-	5-Year SuperShare 100 IRA
1.90%	$100k	-	5-Year SuperShare 100 Roth IRA
1.85%	$50k	-	5-Year SuperShare 50 IRA
1.85%	$50k	-	5-Year SuperShare 50 Roth IRA
1.80%	$500	-	5-Year IRA
1.80%	$500	-	5-Year Roth IRA
1.65%	$100k	-	4-Year SuperShare 100 IRA
1.65%	$100k	-	4-Year SuperShare 100 Roth IRA
1.60%	$50k	-	4-Year SuperShare 50 IRA
1.60%	$50k	-	4-Year SuperShare 50 Roth IRA
1.55%	$500	-	4-Year IRA
1.55%	$500	-	4-Year Roth IRA
1.40%	$100k	-	3-Year SuperShare 100 IRA
1.40%	$100k	-	3-Year SuperShare 100 Roth IRA
1.35%	$50k	-	3-Year SuperShare 50 IRA
1.35%	$50k	-	3-Year SuperShare 50 Roth IRA
1.30%	$500	-	3-Year IRA
1.30%	$500	-	3-Year Roth IRA
1.20%	$100k	-	2-Year SuperShare 100 IRA
1.20%	$100k	-	2-Year SuperShare 100 Roth IRA
1.15%	$50k	-	2-Year SuperShare 50 IRA
1.15%	$50k	-	2-Year SuperShare 50 Roth IRA
1.10%	$500	-	2-Year IRA
1.10%	$500	-	2-Year Roth IRA
0.90%	$100k	-	1-Year SuperShare 100 IRA
0.90%	$100k	-	1-Year SuperShare 100 Roth IRA
0.85%	$50k	-	1-Year SuperShare 50 IRA
0.85%	$50k	-	1-Year SuperShare 50 Roth IRA
0.80%	$500	-	1 Year IRA
0.80%	$500	-	1 Year Roth IRA
0.75%	$500	-	9 Month IRA
0.75%	$500	-	9 Month Roth IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

CHEVRON
NCUA #	24326
BankRate Report	View
Year Established	1935
Employees	182
Primary Regulator
Assets and Liabilities
Assets	$1.73 billion
Loans	$1.22 billion
Deposits	$1.55 billion
Equity Capital	$175.21 million
Loan Loss Allowance	$8.33 million
Unbacked Noncurrent Loans	$5.06 million
Real Estate Owned	$691,000
Historic Data - September 2010
Assets	$1.53 billion
Equity Capital	$167.69 million
Loan Loss Allowance	$6.87 million
Unbacked Noncurrent Loans	$1.92 million
Profit Margin - Quarterly
Net Interest Margin	2.73%
Return on Assets	-0.26%
Return on Equity	-2.57%
Interest Income	$47.30 million
Non-Interest Income	($11,105,000)

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Chevron Federal Credit Union had $5.75 million in non-current loans and owned real-estate with $183.53 million in equity and loan loss allowances on hand to cover it. This gives Chevron Federal Credit Union a Texas Ratio of 3.13% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Chevron Federal Credit Union held steady from 1.10% as of September 30, 2010 to 3.13% as of September 30, 2011, resulting in a negative change of 185.42%. This indicates that the balance sheet and financial strength for Chevron Federal Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Chevron Federal Credit Union has increased its total deposits by $202.8 million, resulting in 15.06% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Chevron Federal Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Chevron Federal Credit Union has $1.73 billion in assets with $183.53 million in equity, resulting in a capitalization level of 10.61%, which is above average.