Certified Federal Credit Union


Overview / Commentary
626-444-1972
4455 Arden Dr
El Monte, CA 91731

Certified Federal Credit Union is headquartered in El Monte and is the 72nd largest credit union in the state of California. It is also the 507th largest credit union in the nation. It was established in 1954 and as of June of 2020, it had grown to 106 employees and 60,596 members at 10 locations. Certified Federal Credit Union's money market rates are 70% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Certified Federal Credit Union is open to the following: 1) employees of Superior Grocers, Auto Club Enterprises, Albertsons/Vons/Pavilions, Bristol Farms, Cardenas, Metropolitan Water District, Bodega Ranch Markets, El Super, Gelson’s, Jons Fresh Marketplace, Lazy Acres Natural Market, Northgate Market, Smart & Final, and others; 2) those who live, work, attend school or worship in El Monte, South El Monte, Monrovia, Irwindale, Temple City, Arcadia, Granada Hills and parts of the City of Industry.
See current membership details

Reviews (2)

Vons Credit Union review

I opened an account while I was working for Vons. I opened a savings account because it earned interest, and I wanted my savings separate from my checking account. Customer service was great, and helped me set up the account over the phone. I found that their online services were not on par with other banks though. I access my accounts from my phone a lot, and their site was not mobile friendly at all. When accessing it on a laptop though, it worked fine and was easy to use. The amount of interest earned was lower than some other banks and credit unions offer, but I was mostly interested in somewhere to have my money set aside, so that wasn't an issue.

I Would NOT Recommend Certified Federal Credit Union

Posted by: |

My credit union whom I was with for over 30 years merged with Certified Federal a YEAR ago and I just now was contacted by CF about my address being wrong. What I learned (after several calls) was that all the data merged was entered manually and my address had a “typo”! It was such that some of my mail was able to get to me but apparently I have several bank statements dating back to mid 2019 that are lost! What kind of modern day financial institution enters data manually and then doesn’t double check??? Moving my money out of this dinosaur institution today!



Health
A+

Health Grade Components

Overall
NCUA #9230
Year Chartered1954
Employees106
Primary Regulator
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD5.06%
Annual Interest Income$13.1MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$678.2MM$614.3MM
LoansQ2 2020vs Q2 2019$367.3MM$362.0MM
DepositsQ2 2020vs Q2 2019$539.8MM$480.6MM
Equity CapitalQ2 2020vs Q2 2019$129.7MM$123.1MM
Loan Loss AllowanceQ2 2020vs Q2 2019$3.6MM$3.3MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$957.00K$2.0MM
Real Estate OwnedQ2 2020vs Q2 2019$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Certified Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Certified Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%--IRA
0.05%--All Savings

Certified Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$100k*-Money Market
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $50k | 0.60% $50k - $100k

Certified Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.04%$5k-Share Draft

Certified Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%$95k-60 Month Jumbo CD
1.31%$1k-60 Month CD
1.05%$1k-36 Month CD
1.00%$1k-24 Month CD
0.96%*$95k*-12 Month Jumbo CD
OTHER TIERS: 0.85% $50k - $95k
0.85%$1k-12 Month CD
0.85%$1k-18 Month CD
0.60%$10k-6 Month Jumbo CD
0.55%$1k-6 Month CD

Certified Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%$95k-60 Month Jumbo Traditional IRA
1.31%$1k$95k60 Month IRA
1.05%$1k-36 Month IRA
1.00%$1k-24 Month IRA
0.96%*$95k*-12 Month Jumbo Traditional IRA
OTHER TIERS: 0.85% $50k - $95k
0.85%$1k-12 Month IRA
0.85%$1k-18 Month IRA
Locations


Cities: Brea, Cerritos, Commerce, El Monte, Fullerton, Granada Hills, Los Angeles, San Bernardino, San Diego

Brea Branches
Branch Office200 N Puente StBrea, CA 92821-3824

Cerritos Branches
Branch Office18327 Gridley Rd Ste FCerritos, CA 90703-5437

Commerce Branches
Branch Office4820 S Eastern Ave Ste LCommerce, CA 90040-2933
Branch Office5200 Sheila StCommerce, CA 90040

El Monte Branches
Branch Office4455 Arden DrEl Monte, CA 91731

Fullerton Branches
Branch Office1421 Manhattan AveFullerton, CA 92831-5221

Granada Hills Branches
Branch Office16830 San Fernando Mission BlvdGranada Hills, CA 91344

Los Angeles Branches
Branch Office700 N Alameda StLos Angeles, CA 90012-3352

San Bernardino Branches
Branch Office420 E Hospitality Ln Ste A6San Bernardino, CA 92408-3566

San Diego Branches
Branch Office3550 Murphy Canyon RdSan Diego, CA 92123

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