Credit union · NCUA insured
Caltech Employees Federal Credit Union
A $2.2B credit union, the 243rd largest of 4,329, headquartered in La Canada, CA, with 31,637 members and 4 branches in California. Best rates: savings 2.55% APY.
Caltech Employees Federal Credit Union Carrot Score
77
Carrot Score
Higher than 43% of U.S. banks and credit unions
#78 of 128 in Los Angeles, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Caltech Employees Federal Credit Union
Caltech Employees Federal Credit Union serves the California Institute of Technology community, family, and its affiliate organizations.
- Headquarters
- 528 Foothill Blvd, La Canada, CA 91011
- NCUA charter
- 6681
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This may be incomplete or out of date, so check with the credit union before you apply.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 California Association for Research in Astronomy (CARA) are eligible for membership.
- Employees of the Carnegie Institute of Washington located in Pasadena and Palomar are eligible for membership.
- Independent contractors and documented volunteers who work regularly for a sponsor facility are eligible for membership.
- Employees of Foldax are eligible for membership.
- Employees of Helicity Space are eligible for membership.
- Employees and registered volunteers (docents) of The Huntington Library, Art Collections, and Botanical Gardens are eligible for membership.
11 more ways to join
Employers and groups
- Employees of Thirty Meter Telescope (TMT) are eligible for membership.
- Employees of Virtualitics Inc. are eligible for membership.
Military, government and schools
- The Associates of the California Institute of Technology are eligible for membership.
- Members of the Caltech Alumni Association are eligible for membership.
- Employees of the California Institute of Technology who work at the Campus, Jet Propulsion Laboratory (JPL), Mt. Wilson, Mt. Palomar are eligible for membership.
- Registered graduate and undergraduate students of Caltech are eligible for membership.
- Faculty, administration and students of the Child Educational Center (CEC) are eligible for membership.
- NASA employees at JPL are eligible for membership.
- Faculty, administration and students of the Polytechnic School are eligible for membership.
Family and household
- Immediate family members of current members (spouse, parents, children, siblings, grandparents, grandchildren by blood or marriage, or extended family / significant other living in the same household) are eligible for membership.
Other ways
- Members retired from active employment with eligible groups, unremarried spouses of deceased members, and Caltech and JPL-based clubs and organizations are eligible for membership.
Cost to join
- A minimum opening deposit of $5 is required upon opening any CEFCU Share Account.
- A one-time $5 membership fee is due upon opening any CEFCU Share Account.
Branches
4 branches in California
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California
4 branches
- CEFCU Foothill BranchMain office528 Foothill Blvd, La Canada, CA 91011Directions
- Real Estate Loan Center801 Foothill Blvd, La Canada, CA 91011Directions
- CIT Branch515 S Wilson Ave, Pasadena, CA 91106Directions
- JPL Branch4800 Oak Grove Dr Bldg 291, Pasadena, CA 91109Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.08% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.02% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.13% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $45 | $88 | — |
- CapitalNet worth ratio10.08%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.02%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.13%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$45Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Caltech Employees 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.