Credit union · NCUA insured
Rancho Federal Credit Union
A $110.3M credit union headquartered in Downey, CA, with 6,989 members and 3 branches in California. Best rates: CDs 2.80% and savings 0.32% APY.
Rancho Federal Credit Union Carrot Score
86
Carrot Score
Higher than 74% of U.S. banks and credit unions
#48 of 128 in Los Angeles, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Rancho Federal Credit Union
Founded in 1936, Rancho Federal Credit Union is a member-owned cooperative operating three full-service branches.
The credit union maintains strong ties with healthcare employees and union grocery workers.
- Headquarters
- 12620 Erickson Ave Ste H, Downey, CA 90242-4019
- NCUA charter
- 1204
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This may be incomplete or out of date, so check with the credit union before you apply.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 and members of eligible partner companies, unions, and organizations served by Rancho Federal Credit Union are eligible for membership.
- Retirees of eligible partner employer and union groups are eligible for membership.
Military, government and schools
- Los Angeles County employees working at Rancho Los Amigos National Rehabilitation Center, Los Amigos Research and Education Institute, or Internal Service Department Dept #300 are eligible for membership.
Family and household
- Immediate family members and household members of current Rancho Federal Credit Union members in good standing are eligible to join.
Cost to join
- An initial deposit of at least $25.00 into regular savings is required to establish membership.
- A one-time membership fee of $5.00 is required to join.
Branches
3 branches in California
Loading map…
California
3 branches
- DowneyMain office12620 Erickson Ave Ste H, Downey, CA 90242Directions
- Buena Park8530 Stanton Ave, Buena Park, CA 90620Directions
- Claremont705 W Arrow Hwy, Claremont, CA 91711Directions
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 | 8.64% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.47% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.48% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $61 | $76 | — |
- CapitalNet worth ratio8.64%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.47%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.48%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$61Peers’ 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 Rancho 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.