Rancho Federal Credit Union

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A short history of Rancho FCU

Since its inception in 1936 the Rancho Federal Credit Union has been serving its members in the DOWNEY, California area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by M. Mitchell Bonca, the Rancho FCU has grown its membership to over 10,386 with assets of more than $96,226,351. They have a main office and 5 branch offices. Please see the credit unions website or contact them by phone at (562) 803-6401 or email them at memser@ranchofcu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in DOWNEY, CA.

General Information For Rancho FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 1204
Address 12620 ERICKSON AVE STE H 
State California 
Zip-Code 90242
Phone Number (562) 803-6401
Fax Number (562) 803-8798
Email Address: memser@ranchofcu.org
CEO/President M. Mitchell Bonca
Members 10,386 
Full-Time Employees 33 
Part-Time Employees
Number of Branch Offices
Total Assets 96,226,351 
Website http://www.ranchofcu.org 

Compare Rancho Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Financial Partners CU VA Hospital 3350 La Jolla Village Dr (619) 641-1100 No 0.93
Downey CU Main Branch 8237 3rd St 90241 (562) 862-8141 No 1.37
Auto Club CU AUTO CLUB FEDERAL CREDIT UNION 18327 GRIDLEY RD STE F 90703 (562) 924-1843 No 4.86
Popa CU San Dimas Branch 188 E Arrow Hwy 91773 (562) 229-9181 No 5.77
Camino CU Montebello 520 N Taylor Ave 90640 (323) 722-3400 No 6.86

Rancho Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Rancho Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 7.50 4.90 8.90 4.13 5.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 64 387 686 159 229
Rank Among All California Credit Unions 5 129 183 65 70

Rancho Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.08 0.11 0.29 0.29
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 134 133 303 260
Rank Among All California Credit Unions N/A 40 45 90 76
Rancho Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 7.5001,3692,090,533
All Other Unsecured Loans/Lines of Credit 14.9001,9114,045,591
Short-Term, Small Amount Loans (STS) (Federal CU Only) 28.00016073,438
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.9004598,053,149
Used Vehicle Loans 8.9005816,081,870
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.13016630,184,571
Total Other Real Estate Loans/Lines of Credit 5.0001133,569,499
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.00043405,666
TOTAL LOANS & LEASES 4,80254,504,317

Rancho Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 9421,986,79961,730,751
    b. 15 Years or less 728,197,77200
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 285,79700
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1113,483,7023213,124
Open-End Fixed Rate 0000
TOTALS 27933,754,07091,943,875


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Rancho Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending Yes
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes