El Monte Community Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.elmonteccu.org

626-444-0501

11718 Ramona Blvd
El Monte, CA 91732

El Monte Community Credit Union is headquartered in El Monte and is the 208^th largest credit union in the state of California. It is also the 2,812^th largest credit union in the nation. It was established in 1956 and as of March of 2025, it had grown to 5 employees and 2,635 members at 2 locations. El Monte Community Credit Union's money market rates are 59% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work or worship in the cities of El Monte, Baldwin Park, South El Monte, Rosemead or Irwindale in California.
See current membership details

Reviews

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. El Monte Community Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	95072
Year Chartered	1956
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	0.88%
Return on Equity - YTD	9.24%
Annual Interest Income	$337K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$33.1MM$33.5MM
Loans	Q1 2025vs Q1 2024	$16.1MM$13.6MM
Deposits	Q1 2025vs Q1 2024	$29.6MM$30.4MM
Equity Capital	Q1 2025vs Q1 2024	$3.1MM$2.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$72K$60K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$17K$17K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD
IRA

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

El Monte Community Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$500	-	Regular Shares
0.10%	$0	-	Cub Club Shares

El Monte Community Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.70%^*	$50k^*	-	Money Market
OTHER TIERS: 0.20% → $500 - $1k \| 0.40% → $1k - $10k \| 0.50% → $10k - $25k \| 0.60% → $25k - $50k

El Monte Community Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.50%	$3k	-	60 Month CD
2.00%	$3k	-	48 Month CD
1.75%	$3k	-	36 Month CD
1.50%	$3k	-	24 Month CD
1.25%	$3k	-	18 Month CD
1.00%	$3k	-	12 Month CD
0.75%	$3k	-	6 Month CD
0.50%	$3k	-	3 Month CD

El Monte Community Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%	$100	-	IRA Shares

Locations

El Monte Community Credit Union Locations
Branch Office	11718 Ramona Blvd	El Monte, CA 91732
Corporate Office	2601 NETWORK BLVD	FRISCO, TX 75034

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