Featured Savings Rates
Featured Accounts

Chevron Federal Credit Union

Popular Accounts at this Credit Union

2.00%5-year CD5-Year CD
1.05%1-year CD1 Year CD
0.25%SavingsPrimary Savings

Overview / Commentary
500 12th St Ste 200
Oakland, CA 94607-4084

Chevron Federal Credit Union is headquartered in Oakland and is the 12th largest credit union in the state of California. It is also the 64th largest credit union in the nation. It was established in 1935 and as of December of 2015, it had grown to 229 employees and 104,786 members at 20 locations. Chevron Federal Credit Union's savings rates are 13X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership is open to employees and retirees of Chevron and its related companies or contractor groups. You can also join via a family or household member who is already a member of Chevron Federal Credit Union, or via affiliation with one of CFCU's select partners and non-profit associations. Membership is also open to those who live, work, worship, or attend school in, or business and other legal entities that are located in select areas of San Francisco or Maryland.
See current membership details

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Reviews (3)

Legacy Member

I have been a member off and on since the 1980's. I have also been a member of Spectrum Credit Union a subsidary of Chevron FCU. The credit union is run by a board that is primarily made up of retired or current Chevron Corporation Employees. My take on the Chevron FCU can best be described as SAFE, boring, conservative, and old school. When it comes to deposit rates they are a step above many banks. Their highest paying savings account is for members under 21 and has maximum cap on the amount it is paid on. Their loans rates are below most lenders

Nothing Special

Posted by: calisaver | Apr 22, 2013

Account opening process was slow.  I started the process online and concluded it by mail.  Savings rates are average and loan rates are lower than most banks.  Credit cards are not a good deal as they are issued by a bank (Elan Services) and the same rates and terms can be obtained from any bank/credit union that uses Elan.  Online services are adequate and text banking is old fashioned.  Customer service is average.  No problems but nothing special either.

Real Estate Loan Department -- Hidden And Unfair Fee

Posted by: HTX | Jun 24, 2012

Upon selling my property, I was charged a $750 early closure fee on a 2nd mortgage that I'd paid off over a year earlier.  This fee was not disclosed when I asked the Real Estate Loan Officer about any pre-payment or early payment fees upon signing the loan.  Despite having an email stating that there would be no such fees, Chevron Federal Credit Union management would not waive the fee. 

My experience with the credit union up until this point was 100% positive and I did everything I could to try and come to a fair resolution with management -- even offering to pay half the fee when I believed I should not have had to pay anything. Unfortunately, management was not willing to make the situation right and I therefore had to move my assets to a new institution and write this review.


Health Grade Components

NCUA #24326
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.97%
Return on Equity - YTD8.87%
Annual Interest Income$85.8MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$2.75B$2.50B
LoansQ4 2015vs Q4 2014$2.21B$1.99B
DepositsQ4 2015vs Q4 2014$2.44B$2.21B
Equity CapitalQ4 2015vs Q4 2014$299.1MM$274.2MM
Loan Loss AllowanceQ4 2015vs Q4 2014$5.3MM$5.6MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$6.4MM$7.6MM
Real Estate OwnedQ4 2015vs Q4 2014$296.00K$1.7MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Chevron Federal Credit Union Savings Account Rates

OTHER TIERS: 0.25% $1k+
0.90%*$250k*-MarketEdge HSA
OTHER TIERS: 0.25% Up to $2,500 | 0.80% $2,500 - $250k
0.25%$25-Primary Savings
0.25%$25-Accumulative IRA

Chevron Federal Credit Union Money Market Rates

0.90%*$250k*-MarketEdge Savings
OTHER TIERS: 0.25% Up to $2,500 | 0.80% $2,500 - $250k
0.90%*$250k*-MarketEdge IRA Savings
OTHER TIERS: 0.25% Up to $2,500 | 0.80% $2,500 - $250k

Chevron Federal Credit Union Checking Account Rates


Chevron Federal Credit Union CD Rates

2.20%$250k-5-Year SuperShare 250 CD
2.10%$100k-5-Year SuperShare 100 CD
2.05%$50k-5-Year SuperShare 50 CD
2.00%$500-5-Year CD
1.80%$250k-4-Year SuperShare 250 CD
1.70%$100k-4-Year SuperShare 100 CD
1.70%$250k-3-Year SuperShare 250 CD
1.65%$50k-4-Year SuperShare 50 CD
1.60%$100k-3-Year SuperShare 100 CD
1.60%$500-4-Year CD
1.55%$50k-3-Year SuperShare 50 CD
1.50%$500-3-Year CD
1.45%$250k-2-Year SuperShare 250 CD
1.35%$100k-2-Year SuperShare 100 CD
1.30%$50k-2-Year SuperShare 50 CD
1.25%$500-2-Year CD
1.25%$250k-1-Year SuperShare 250 CD
1.15%$100k-1-Year SuperShare 100 CD
1.10%$50k-1-Year SuperShare 50 CD
1.05%$500-1 Year CD
0.90%$500-9 Month CD
0.85%$500-6 Month CD
0.80%$500-3 Month CD

Chevron Federal Credit Union IRA Rates

2.20%$250k-5-Year SuperShare 250 IRA
2.10%$100k-5-Year SuperShare 100 IRA
2.05%$50k-5-Year SuperShare 50 IRA
2.00%$500-5-Year IRA
1.80%$250k-4-Year SuperShare 250 IRA
1.70%$100k-4-Year SuperShare 100 IRA
1.70%$250k-3-Year SuperShare 250 IRA
1.65%$50k-4-Year SuperShare 50 IRA
1.60%$100k-3-Year SuperShare 100 IRA
1.60%$500-4-Year IRA
1.55%$50k-3-Year SuperShare 50 IRA
1.50%$500-3-Year IRA
1.45%$250k-2-Year SuperShare 250 IRA
1.35%$100k-2-Year SuperShare 100 IRA
1.30%$50k-2-Year SuperShare 50 IRA
1.25%$500-2-Year IRA
1.25%$250k-1-Year SuperShare 250 IRA
1.15%$100k-1-Year SuperShare 100 IRA
1.10%$50k-1-Year SuperShare 50 IRA
1.05%$500-1 Year IRA
0.90%$500-9 Month IRA
0.85%$500-6 Month IRA

Chevron Federal Credit Union has 20 locations. Click to view all Chevron Federal Credit Union locations.