RANKING · Q2 2026

Lowest cost of shares and deposits in California

150 of 239 credit unions in California that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: NCUA Call Report data.

Lowest cost of shares and deposits in California, Q2 2026
Rank	Institution	Headquarters	Cost of all shares and deposits, annualized for the quarter	Total assets
1	Central State Credit Union	Stockton, CA	0.14%	$258 million
2	Yolo Federal Credit Union	Woodland, CA	0.25%	$412 million
3	Rancho Federal Credit Union	Downey, CA	0.35%	$109 million
4	Mocse Federal Credit Union	Modesto, CA	0.46%	$426 million
5	First California Federal Credit Union	Fresno, CA	0.53%	$110 million
6	Sag-Aftra Federal Credit Union	Burbank, CA	0.54%	$336 million
7	Tucoemas Federal Credit Union	Visalia, CA	0.56%	$332 million
8	La Loma Federal Credit Union	Loma Linda, CA	0.56%	$117 million
9	Commonwealth Central Credit Union	San Jose, CA	0.56%	$625 million
10	United Local Credit Union	Fresno, CA	0.59%	$119 million
11	Torrance Community Federal Credit Union	Torrance, CA	0.65%	$163 million
12	Wescom Central Credit Union	Pasadena, CA	0.68%	$6.6 billion
13	Families and Schools Together Federal Credit Union	Hanford, CA	0.70%	$330 million
14	San Francisco Fire Credit Union	San Francisco, CA	0.71%	$1.6 billion
15	Water and Power Community Credit Union	Los Angeles, CA	0.72%	$1.0 billion
16	East County Schools Federal Credit Union	El Cajon, CA	0.77%	$147 million
17	First City Credit Union	Pasadena, CA	0.78%	$949 million
18	Strata Federal Credit Union	Bakersfield, CA	0.79%	$345 million
19	Alta Vista Credit Union	Redlands, CA	0.80%	$209 million
20	Thinkwise Federal Credit Union	San Bernardino, CA	0.85%	$123 million
21	Los Angeles Federal Credit Union	Glendale, CA	0.85%	$1.3 billion
22	Edwards Federal Credit Union	Edwards, CA	0.86%	$277 million
23	Blupeak Credit Union	San Diego, CA	0.86%	$1.1 billion
24	Santa Cruz Community Credit Union	Santa Cruz, CA	0.87%	$172 million
25	Arrowhead Federal Credit Union	Rancho Cucamong, CA	0.88%	$2.9 billion
26	Priority One Credit Union	South Pasadena, CA	0.89%	$206 million
27	Altura Federal Credit Union	Riverside, CA	0.90%	$2.6 billion
28	Siskiyou Credit Union	Yreka, CA	0.92%	$144 million
29	Pasadena Federal Credit Union	Monrovia, CA	0.93%	$375 million
30	The Police Credit Union	San Bruno, CA	0.94%	$1.0 billion
31	Camino Federal Credit Union	Montebello, CA	0.95%	$179 million
32	Santa Ana Federal Credit Union	Santa Ana, CA	0.95%	$112 million
33	E-Central Credit Union	Pasadena, CA	1.02%	$174 million
34	California Coast Credit Union	San Diego, CA	1.03%	$3.5 billion
35	Downey Federal Credit Union	Downey, CA	1.04%	$328 million
36	Schools Federal Credit Union	Torrance, CA	1.06%	$196 million
37	Ume Federal Credit Union	Burbank, CA	1.06%	$328 million
38	Uncle Credit Union	Livermore, CA	1.07%	$716 million
39	Valley Strong Credit Union	Bakersfield, CA	1.08%	$4.1 billion
40	The First Financial Federal Credit Union	Pasadena, CA	1.10%	$748 million
41	Mirastar Federal Credit Union	San Jose, CA	1.10%	$1.0 billion
42	Gain Federal Credit Union	Burbank, CA	1.11%	$454 million
43	Monterey Credit Union	Monterey, CA	1.13%	$361 million
44	Kings Federal Credit Union	Hanford, CA	1.13%	$162 million
45	Popa Federal Credit Union	Cerritos, CA	1.13%	$405 million
46	Excite Credit Union	San Jose, CA	1.14%	$614 million
47	Tulare County Federal Credit Union	Tulare, CA	1.15%	$167 million
48	San Diego County Credit Union	San Diego, CA	1.15%	$9.5 billion
49	Educational Employees Credit Union	Fresno, CA	1.17%	$5.4 billion
50	1st United Credit Union	Pleasanton, CA	1.18%	$1.3 billion
51	Frontwave Credit Union	Oceanside, CA	1.19%	$1.7 billion
52	South Bay Credit Union	Redondo Beach, CA	1.20%	$161 million
53	Merco Credit Union	Merced, CA	1.21%	$207 million
54	Glendale Federal Credit Union	Glendale, CA	1.21%	$103 million
55	Vida Federal Credit Union	Ontario, CA	1.21%	$175 million
56	Lassen County Federal Credit Union	Susanville, CA	1.23%	$107 million
57	Merced School Employees Federal Credit Union	Merced, CA	1.24%	$899 million
58	Smw 104 Federal Credit Union	Livermore, CA	1.26%	$118 million
59	1st Northern California Credit Union	Martinez, CA	1.28%	$829 million
60	Valley First Federal Credit Union	Modesto, CA	1.29%	$1.1 billion
61	Ventura County Credit Union	Ventura, CA	1.29%	$1.5 billion
62	Southland Credit Union	Los Alamitos, CA	1.31%	$1.3 billion
63	Interfaith Federal Credit Union	Montclair, CA	1.31%	$135 million
64	Premier One Credit Union	San Jose, CA	1.31%	$656 million
65	Usc Credit Union	Los Angeles, CA	1.32%	$741 million
66	Marin County Federal Credit Union	San Rafael, CA	1.32%	$104 million
67	F3 Credit Union	San Jose, CA	1.32%	$237 million
68	Pacific Service Credit Union	Concord, CA	1.33%	$1.3 billion
69	Sesloc Credit Union	San Luis Obispo, CA	1.33%	$1.3 billion
70	Noble Federal Credit Union	Fresno, CA	1.33%	$1.5 billion
71	Mypoint Credit Union	San Diego, CA	1.34%	$705 million
72	Altaone Federal Credit Union	Ridgecrest, CA	1.34%	$967 million
73	Keypoint Credit Union	San Jose, CA	1.35%	$1.7 billion
74	Cabrillo Credit Union	San Diego, CA	1.35%	$574 million
75	Coasthills Federal Credit Union	Santa Maria, CA	1.36%	$1.8 billion
76	Sea West Coast Guard Federal Credit Union	Oakland, CA	1.37%	$378 million
77	Safe Credit Union	Folsom, CA	1.37%	$4.4 billion
78	Operating Engineers Local Union #3 Federal Credit Union	Livermore, CA	1.39%	$1.7 billion
79	Community First Credit Union	Santa Rosa, CA	1.41%	$921 million
80	First U.S. Community Credit Union	Sacramento, CA	1.43%	$548 million
81	Chaffey Federal Credit Union	Upland, CA	1.44%	$230 million
82	First Entertainment Credit Union	Hollywood, CA	1.45%	$2.1 billion
83	Corazo Credit Union	El Centro, CA	1.46%	$244 million
84	Credit Union of Southern Ca, A	Anaheim, CA	1.46%	$4.0 billion
85	Bay Federal Credit Union	Capitola, CA	1.47%	$1.9 billion
86	San Francisco Federal Credit Union	San Francisco, CA	1.49%	$1.6 billion
87	Certified Federal Credit Union	El Monte, CA	1.54%	$925 million
88	Los Angeles Police Federal Credit Union	Van Nuys, CA	1.54%	$1.4 billion
89	Safe 1 Credit Union	Bakersfield, CA	1.56%	$1.2 billion
90	Sacramento Credit Union	Sacramento, CA	1.58%	$858 million
91	University Credit Union	Los Angeles, CA	1.60%	$1.2 billion
92	Long Beach City Employees Federal Credit Union	Signal Hill, CA	1.60%	$271 million
93	Monterra Credit Union	Redwood City, CA	1.61%	$1.9 billion
94	Foothill Federal Credit Union	Arcadia, CA	1.63%	$779 million
95	I.L.W.U. Federal Credit Union	Long Beach, CA	1.64%	$608 million
96	Heritage Community Credit Union	Rancho Cordova, CA	1.65%	$283 million
97	Meriwest Credit Union	San Jose, CA	1.66%	$2.1 billion
98	Mission City Federal Credit Union	Santa Clara, CA	1.67%	$172 million
99	Wheelhouse Credit Union	San Diego, CA	1.67%	$460 million
100	Sea Air Federal Credit Union	Seal Beach, CA	1.68%	$119 million

Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings