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P.O. Box 8017
El Monte, CA 91734

SCE Federal Credit Union is headquartered in El Monte and is the 63rd largest credit union in the state of California. It is also the 372nd largest credit union in the nation. It was established in 1952 and as of December of 2013, it had grown to 152 employees and 47,954 members. SCE Federal Credit Union has a A health rating.

Field of Membership Restrictions

Anyone is eligible to join. You only need $15 to open your account - $5 goes into your savings and secures your ownership in the Credit Union, and the remaining $10 is a tax-deductible donation to our non-profit SCE FCU Foundation. - See Details

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Data for Q4 2013

Institution Health


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 December 31, 2013 SCE Federal Credit Union had $4.65 million in non-current loans and owned real-estate with $60.29 million in equity and loan loss allowances on hand to cover it. This gives SCE Federal Credit Union a Texas Ratio of 7.72% 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 SCE Federal Credit Union decreased slightly from 9.31% as of December 31, 2012 to 7.72% as of December 31, 2013, resulting in a positive change of 17.16%.This indicates that the balance sheet and financial strength for SCE Federal Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, SCE Federal Credit Union has increased its total deposits by $15.12 million, resulting in 3.04% 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 SCE Federal Credit Union has shown is excellent.



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. SCE Federal Credit Union has $595.19 million in assets with $60.29 million in equity, resulting in a capitalization level of 10.13%, which is above average.

Institution Statistics

NCUA #7835
Year Chartered1952
Primary Regulator
Assets and Liabilities
Assets$595.19 million
Loans$318.66 million
Deposits$513.07 million
Equity Capital$52.65 million
Loan Loss Allowance$7.64 million
Unbacked Noncurrent Loans$4.34 million
Real Estate Owned$315,000
Historic Data - December 2012
Assets$583.83 million
Equity Capital$55.29 million
Loan Loss Allowance$9.18 million
Unbacked Noncurrent Loans$4.34 million
Real Estate Owned$122,000
Profit Margin - Quarterly
Net Interest Margin5.32%
Return on Assets0.45%
Return on Equity5.13%
Interest Income$22.26 million

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

SCE Federal Credit Union Savings Account Rates

0.20%--Vacation Club Account
0.20%--Holiday Club Account
0.20%--Super Saver
0.20%--Youth Super Saver
0.15%--IRA Savings
0.15%--Roth IRA Savings
0.15%--CESA Savings
0.10%$250-Prime Savings
0.10%--Youth Savings
0.05%--Health Savings Account

SCE Federal Credit Union Money Market Rates

0.40%$100k-Money Market

SCE Federal Credit Union Checking Account Rates

0.25%--Green Checking Account

SCE Federal Credit Union CD Rates

1.50%$1k-60 Month CD
1.12%$1k-48 Month CD
0.75%$1k-36 Month CD
0.55%$1k-24 Month CD
0.45%$1k-18 Month CD
0.40%$1k-12 Month CD
0.30%$1k-6 Month CD
0.20%$1k-91 Day CD

SCE Federal Credit Union IRA Rates

1.50%$1k-60 Month IRA (Traditional,Roth,CESA)
1.12%$1k-48 Month IRA (Traditional,Roth,CESA)
0.75%$1k-36 Month IRA (Traditional,Roth,CESA)
0.55%$1k-24 Month IRA (Traditional,Roth,CESA)
0.45%$1k-18 Month IRA (Traditional,Roth,CESA)
0.40%$1k-12 Month IRA (Traditional,Roth,CESA)
0.30%$1k-6 Month IRA (Traditional,Roth,CESA)
0.20%$1k-91 Day IRA (Traditional,Roth,CESA)

SCE Federal Credit Union Locations
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