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Overview / Commentary
626-445-0950
30 S 1st Ave
Arcadia, CA 91006-3604

Foothill Federal Credit Union is headquartered in Arcadia and is the 96th largest credit union in the state of California. It is also the 695th largest credit union in the nation. It was established in 1958 and as of March of 2014, it had grown to 55 employees and 21,476 members. Foothill Federal Credit Union's savings rates are 6X the national average, and it has a A health rating.

Field of Membership Restrictions

Foothill Federal Credit Union serves over 260 Select Employer Groups in the San Gabriel Valley. If eligible, you can become a member by making a $50.00 minimum deposit, which represents one share of ownership, plus a one time membership fee of $5.00. Once you are a member, your immediate family members also become eligible for membership. Immediate family members consist of your spouse, children, (including adopted and foster children), parents, sisters, brothers, grandparents and grandchildren. - See Details

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Reviews (1)

Specialized CU

Designed for school employees, the rest of us who pay for them without our consent can go hang.  Another example of how California labor interests run the rest of us to the disadvantage of the productive sectors.



Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Foothill Federal Credit Union had $2.24 million in non-current loans and owned real-estate with $34.97 million in equity and loan loss allowances on hand to cover it. This gives Foothill Federal Credit Union a Texas Ratio of 6.40% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Foothill Federal Credit Union experienced no significant changes from 4.39% as of March 31, 2013 to 6.40% as of March 31, 2014, resulting in a negative change of 45.74%. This indicates that the balance sheet and financial strength for Foothill Federal Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A

In the past year, Foothill Federal Credit Union has increased its total deposits by $10.5 million, resulting in 4.12% 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 Foothill Federal Credit Union has shown is excellent.

Capitalization

GRADE:
A

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. Foothill Federal Credit Union has $301.93 million in assets with $34.97 million in equity, resulting in a capitalization level of 11.58%, which is excellent.

Institution Statistics

Overall
NCUA #12425
Year Chartered1958
Employees55
Primary Regulator
Assets and Liabilities
Assets$301.93 million
Loans$126.73 million
Deposits$265.05 million
Equity Capital$33.99 million
Loan Loss Allowance$975,000
Unbacked Noncurrent Loans$2.24 million
Real Estate Owned$0
Historic Data - March 2013
Assets$290.39 million
Equity Capital$33.01 million
Loan Loss Allowance$2.00 million
Unbacked Noncurrent Loans$2.24 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.22%
Return on Equity10.83%
Interest Income$2.08 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Foothill Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Foothill Federal Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
3.00%$50$18kSummertime Savings for School Employees
1.50%$50-Summertime Savings
1.50%$50-Christmas Club
0.30%$100k-Regular Share IRA
0.30%$100k-Regular Share Roth IRA
0.15%--MoneyLand
0.15%--Money101
0.15%--Money$mart
0.15%--MoneyBound
0.05%$150-Regular Share

Foothill Federal Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$100k-Money Market Account

Foothill Federal Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.50%-$2,500My Choice Checking - Qualifying
0.05%$1,500-Prestige Checking

Foothill Federal Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.40%$50k-60 Month Jumbo Share Certificate
1.30%$2k-60 Month Share Certificate
1.10%$50k-48 Month Jumbo Share Certificate
1.00%$2k-48 Month Share Certificate
0.85%$50k-36 Month Jumbo Share Certificate
0.75%$2k-36 Month Share Certificate
0.65%$2k-28 Month Certificate - Online Special
0.60%$50k-24 Month Jumbo Share Certificate
0.50%$2k-24 Month Share Certificate
0.50%$25-12 Month Youth Saver Certificate
0.45%$50k-12 Month Jumbo Share Certificate
0.35%$50k-6 Month Jumbo Share Certificate
0.35%$2k-12 Month Share Certificate
0.25%$2k-6 Month Share Certificate

Foothill Federal Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.40%$50k-60 Month Jumbo IRA Share Certificate
1.30%$2k-60 Month IRA Share Certificate
1.10%$50k-48 Month Jumbo IRA Share Certificate
1.00%$2k-48 Month IRA Share Certificate
0.85%$50k-36 Month Jumbo IRA Share Certificate
0.75%$2k-36 Month IRA Share Certificate
0.60%$50k-24 Month Jumbo IRA Share Certificate
0.50%$2k-24 Month IRA Share Certificate
0.45%$50k-12 Month Jumbo IRA Share Certificate
0.35%$2k-12 Month IRA Share Certificate
Locations


Foothill Federal Credit Union Locations
Branch Office645 S Lone Hill AveGlendora, CA 91740-4565
Branch Office30 S 1st AveArcadia, CA 91006-3604
Branch Office928 N Citrus AveCovina, CA 91722-2737