Credit union · NCUA insured
BOPTI Federal Credit Union
A $64.4M credit union headquartered in San Pedro, CA, with 4,274 members and 1 branch in California. Best rates: savings 0.50% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings801.26%at $100,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About BOPTI Federal Credit Union
BOPTI Federal Credit Union is headquartered in Terminal Island, California.
- Headquarters
- 1451 S Seaside Ave, San Pedro, CA 90731-7365
- NCUA charter
- 10433
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Bureau of Prisons employees working at specified BOP facilities/institutions are eligible for membership.
- Commissioned Officers of the Public Health Service working at certain BOP facilities are eligible for membership.
Family and household
- Immediate family members of Bureau of Prisons employees and Commissioned Officers of the Public Health Service working at certain BOP facilities are eligible for membership.
Branches
1 branch in California
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California
1 branch
- Main OfficeMain office1451 S Seaside Ave, San Pedro, CA 90731Directions
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 | 24.75% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.52% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.66% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $42 | $59 | — |
- CapitalNet worth ratio24.75%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.52%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.66%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$42Peers’ 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 BOPTI 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.