Credit union · NCUA insured
Certified Federal Credit Union
Top CarrotA $920M credit union headquartered in El Monte, CA, with 58,317 members and 11 branches in California. Best rates: CDs 3.55% and savings 0.60% APY.
Certified Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 90% of U.S. banks and credit unions
#17 of 128 in Los Angeles, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Certified Federal Credit Union
Founded in 1949 to serve employees in the grocery industry, Certified Federal Credit Union is headquartered in El Monte, California.
The member-owned financial cooperative serves individuals, families, and businesses throughout Southern and Northern California with eight branch locations in Southern California.
- Headquarters
- 4455 Arden Dr, El Monte, CA 91731
- NCUA charter
- 9230
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Associates of participating grocery retailers are eligible for membership.
Family and household
- Family and household members of eligible grocery retailer associates and members are eligible for membership.
Cost to join
- There is no deposit required to join and no monthly fee.
Branches
11 branches in California
Loading map…
California
11 branches
Los Angeles area · 8
- El MonteMain office4455 Arden Dr, El Monte, CA 91731Directions
- Brea200 N Puente St, Brea, CA 92821Directions
- Commerce4820 S Eastern Ave Ste L, Commerce, CA 90040Directions
- Costa Mesa3333 Fairview Rd, Costa Mesa, CA 92626Directions
- Fullerton Branch1421 Manhattan Ave, Fullerton, CA 92831Directions
- Granada Hills Branch16830 San Fernando Mission Blvd, Granada Hills, CA 91344Directions
- Mwd700 N Alameda St, Los Angeles, CA 90012Directions
- West Covina1230 Lakes Dr Ste 108, West Covina, CA 91790Directions
Riverside area · 1
- San Bernardino420 E Hospitality Ln Ste A6, San Bernardino, CA 92408Directions
San Diego area · 1
- San Diego Branch3550 Murphy Canyon Rd, San Diego, CA 92123Directions
Stockton area · 1
- Tracy Branch25432 S Schulte Rd Unit 2, Tracy, CA 95377Directions
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 | 20.71% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.37% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.26% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $81 | $76 | — |
- CapitalNet worth ratio20.71%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.37%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.26%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$81Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Certified 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.