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Rancho Federal Credit Union


Rancho Federal Credit Union is a NCUA insured federal credit union headquartered at 12620 ERICKSON AVE STE H, DOWNEY, CA 90242.
It was founded in 1936 and has approximately $109 million in assets. Customers can open an account at one of its 11 branches.

Deposit Rates - February 01, 2026

SAVINGS RATES APY MIN
Savings
0.08% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.32% $10,000 Compare
6 Mo CD
0.32% $100,000 Compare
12 Mo CD
0.47% $10,000 Compare
12 Mo CD
0.47% $100,000 Compare
24 Mo CD
0.58% $10,000 Compare
24 Mo CD
0.58% $100,000 Compare
36 Mo CD
0.70% $10,000 Compare
36 Mo CD
0.70% $100,000 Compare
MM RATES APY MIN
Money Market
0.12% $2,500 Compare
Money Market
0.12% $10,000 Compare
Money Market
0.12% $25,000 Compare




Overview 2026

General Credit Union Information

NCUA Insured Yes / Federally Chartered
Charter Number # 1204
Date Established 1936
Assets $109.10 million
Loans $63.27 million
Deposits $99.94 million
Capital $9.19 million


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Branches

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Rancho Federal Credit Union Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    RANCHO
    Credit Union
    CALIFORNIA
    $50,000
    N.A.
    0.08%
    0.36x (National Avg. - 0.22%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.08%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 40 28
    2 50,040 40 28
    3 50,080 40 28
    4 50,120 40 28
    5 50,160 40 28
    6 50,200 40 28
    7 50,240 40 28
    8 50,281 40 28
    9 50,321 40 28
    10 50,361 40 28
    11 50,401 40 28
    12 50,442 40 28
    13 50,482 40 28
    14 50,523 40 28
    15 50,563 40 28
    16 50,603 40 28
    17 50,644 41 28
    18 50,684 41 28
    19 50,725 41 28
    20 50,765 41 28
    TOTAL $806 $564
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.74x (National Avg. - 0.22%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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