Credit union · NCUA insured
Chaffey Federal Credit Union
A $229.1M credit union headquartered in Upland, CA, with 11,786 members and 3 branches in California. Best rates: savings 0.95% APY.
Chaffey Federal Credit Union Carrot Score
80
Carrot Score
Higher than 54% of U.S. banks and credit unions
#22 of 50 in Riverside, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Chaffey Federal Credit Union
Established by the Chaffey Unified School District in 1964, Chaffey Federal Credit Union is a member-owned, not-for-profit financial cooperative operating as a community charter credit union.
- Headquarters
- 1024 W Foothill Blvd, Upland, CA 91786
- NCUA charter
- 16030
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work or regularly conduct business in, attend school, or worship in specified Census Tracts across southwestern San Bernardino and eastern Los Angeles County communities.
- Membership is open to individuals who are volunteers in the community outlined by Chaffey FCU census tracts.
Employers and groups
- Membership remains open to employees of schools and Select Employer Groups (SEGs) previously included in Chaffey FCU's Field of Membership.
Family and household
- Membership is open to individuals who have an immediate family or household member that is already a CFCU Member or lives within the Field of Membership.
- Membership is open to spouses of persons who have passed away within the Field of Membership.
Other ways
- Membership is open to organizations of eligible persons.
Branches
3 branches in California
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California
3 branches
Riverside area · 2
- UplandMain office1024 W Foothill Blvd, Upland, CA 91786Directions
- Rancho Cucamonga11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730Directions
Los Angeles area · 1
- West Covina2333 S Azusa Ave, West Covina, CA 91792Directions
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 | 7.74% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.26% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.08% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $59 | $76 | — |
- CapitalNet worth ratio7.74%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.26%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.08%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$59Peers’ 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 Chaffey 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.