Back to El Monte credit unions

Certified

4455 Arden Dr, El Monte, CA 91731
NCUA Insured4.3 (88 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1954

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

4455 Arden Dr

El Monte, CA 91731

Service Area

This credit union is located in El Monte and serves members in the CA area. Currently serving 60,018 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.24%

Used Auto Loan

7.36%

Personal Loan

13.83%

Credit Card APR

11.45%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(11 total)

Member Reviews

4.3

88 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Bischtek

Bischtek

7 months ago

Long time member with prospectors before the merger or acquisition, they were membership oriented & i had a couple of small loans years ago which was easier approved & paid off, but this year i applied for a car loan & rejected with the excuse of payment history with the last loan that I've submitted a change of payment date according to my social security retirement check & they agreed , apparently they don't keep their records after the merger, hence affecting my credit & I've to go somewhere else. This institution failed miserably because now they're after profit only & disregard for their longstanding customers. I'm in the process to close my account & advise friends & family to do so,

L D

L D

5 months ago

My family and I were long time members with Vons EFCU which is now called Certified Federal Credit Union. We had checking, savings, IRAs, CDs, real estate and car loans through them over the years. Despite the longevity and numerous accounts in excellent standing, we experienced poor customer service ranging from no return calls, long wait times, unprofessional interactions, informal office environment with lots of employees talking versus making customers feel important, etc. The online systems are clunky, not user friendly and not intuitive. It feels like a low level "ranch style" informal financial institution both in interactions in-person, via email and over the telephone whereby they are not well trained to provide service on a high level and do not inspire confidence to invest more money or do business with them. Most of the issues seem to be with particular departments and leadership versus the tellers and regular member services where interactions were much more pleasant and professional.

Julianna Valentine

Julianna Valentine

11 months ago

This is absolutely the worse bank to possibly trust your money with. Certified federal credit union had fraud in my account, didn’t notice it, charged me fees for it, and continuously keeps messing up all my accounts since I’ve been a member in 2016. I’ve been in the process of getting all my money transferred to Chase and I’m still running into issues with CFCU. All I want is to cash in my rewards and leave, but they make it impossible to do so.

Cynthia Guzman

Cynthia Guzman

a year ago

Thank goodness its over! If you are thinking of doing business with this band PLEASE think again! I had a home mortgage with them for about 15 yrs and the banking service is equal to a hostage situation. Please make sure to read the fine the print because if you fall in hard times with your mortgage they will FREEZE your entire account until you resolve your account. It does not matter if you're medication dependent or need to feed your children. The harassment from these reps was next level rude, stressful and disrespectful!! This was the worst business relationship we ever experienced!! PLEASE PLEASE BEWARE!!

Wonderful World

Wonderful World

7 months ago

Great credit union offering no fee checking acct and very low rate credit cards and loans. Awesome customer service. Zelle is also available. Highly recommended

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).