Credit union · NCUA insured
Befit Financial Federal Credit Union
Top CarrotA $39.3M credit union headquartered in Vacaville, CA, with 2,377 members and 1 branch in California. Best rates: CDs 3.04% and savings 0.06% APY.
Befit Financial Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#4 of 17 in Vallejo, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Befit Financial Federal Credit Union
Established in 1957, Befit Financial Federal Credit Union was formerly known as Kaiperm North Bay FCU.
Headquartered in Vacaville, California, the credit union focuses on serving healthcare professionals and their families in Solano, Napa, Sonoma, Marin, Contra Costa, Alameda, Yolo, and Sacramento counties.
Befit Financial Federal Credit Union is owned and controlled by its members.
- Headquarters
- 640 E Main St, Vacaville, CA 95688-3933
- NCUA charter
- 11943
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Kaiser Permanente, NorthBay Health, Sutter Health, or any other healthcare professionals working in Solano, Napa, Sonoma, Marin, Contra Costa, Alameda, Yolo, or Sacramento county are eligible for membership.
Family and household
- Family members of qualifying healthcare professionals or employees of Kaiser Permanente, NorthBay Health, or Sutter Health in the specified counties are eligible to join.
Cost to join
- Membership requires an initial deposit of $50.00.
Branches
1 branch in California
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California
1 branch
- Befit Financial Federal Credit UnionMain office640 E Main St, Vacaville, CA 95688Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.02% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.20% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.29% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $56 | $59 | — |
- CapitalNet worth ratio10.02%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.20%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.29%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$56Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Befit Financial Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.