Credit union · Privately insured
El Monte Community Credit Union
A $33M credit union headquartered in El Monte, CA, with 2,649 members and 1 branch in Texas. Best rates: CDs 2.50% and savings 0.40% APY.
El Monte Community Credit Union Carrot Score
63
Carrot Score
Higher than 9% of U.S. banks and credit unions
#103 of 115 in Dallas, TX metroHow the score works →
Deposits are privately insured, not by the federal government.
About El Monte Community Credit Union
El Monte Community Credit Union is a credit union headquartered in El Monte, California.
- Headquarters
- 11718 Ramona Blvd, El Monte, CA 91732
- NCUA charter
- 95072
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, or worship in El Monte, South El Monte, Baldwin Park, Rosemead, or Irwindale are eligible for membership.
- Individuals who attend school in El Monte, South El Monte, Baldwin Park, Rosemead, or Irwindale are eligible for membership.
Employers and groups
- Employees of the San Gabriel Valley Water Company who work in El Monte, Fontana, or Whittier are eligible for membership.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Other ways
- Other credit unions organized under Federal or State laws are eligible for membership.
- Organizations composed of eligible individuals are eligible for membership.
Cost to join
- Members must maintain a regular share savings account with a minimum balance of $5.00.
- A $5.00 lifetime membership fee is required to join.
- A one-time refundable pledge amount of $5.00 is required upon application review.
Branches
1 branch in Texas
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Texas
1 branch
- Portico Fiserv2601 Network Blvd, Frisco, TX 75034Directions
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 | 10.44% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.06% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.77% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $60 | $59 | — |
- CapitalNet worth ratio10.44%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.06%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.77%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$60Peers’ 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 El Monte Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.