Rancho Credit Union
Verified rate book
Current Rancho Credit Union rates
30 published offers verified as of August 3, 2026.
Auto & vehicle rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Auto Loanauto | 4.740% APR | 4.740% | — | Standard |
| New & Used Auto Loanauto_any_36mo | 4.740% APR | 4.740% | 36 mo · any | Standard |
| New & Used Auto Loanauto_any_48mo | 5.240% APR | 5.240% | 48 mo · any | Standard |
| New & Used Auto Loanauto_any_72mo | 5.740% APR | 5.740% | 72 mo · any | Standard |
| New & Used Auto Loanauto_any_84mo | 6.240% APR | 6.240% | 84 mo · any | Standard |
| Used Motorcycle/ Watercraft/ATVmotorcycle_used_36mo | 9.750% APR | 9.750% | 36 mo · used | Standard |
| New Motorcycle/ Watercraft/ATVmotorcycle_new_36mo | 9.750% APR | 9.750% | 36 mo · new | Standard |
HELOC rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable)heloc_variable | 8.250% APR | 8.250% | — | Standard |
| Home Equity Lines of Creditheloc | 8.250% APR | 8.250% | — | Standard |
Personal loan rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Closed End Personal Signature Loanpersonal_unsecured | 10.990% APR | 10.990% | — | Standard |
| Personal / Signature Loanpersonal_unsecured_60mo | 10.990% APR | 10.990% | 60 mo | Standard |
| Debt Consolidation Loanpersonal | 12.000% APR | 12.000% | — | Standard |
| 24/7 Fast Cash Loan - Anytime Loanpersonal | 18.000% APR | 18.000% | — | Standard |
| PayDay Assistance Loan (PAL)personal_unsecured_3mo | 28.000% APR | 28.000% | 3 mo | Standard |
| Payday Assistance Loanpersonal_unsecured_3mo | 28.000% APR | 28.000% | 3 mo | Standard |
Credit card rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| MasterCard Premiercredit_card | 10.750% APR | 10.750% | — | Standard |
| MasterCard Regularcredit_card | 15.960% APR | 15.960% | — | Standard |
| MasterCard Share Securedcredit_card_secured | 18.000% APR | 18.000% | — | Standard |
Savings & CD rates
11 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Restricted Christmas Clubsavings | 0.10% APY | 0.10% | — | Standard |
| Savingssavings | 0.10% APY | 0.10% | — | Standard |
| Money Marketmoney_market | 0.32% APY | 0.32% | — | Standard |
| Money Marketmoney_market | 0.60% APY | 0.59% | — | Standard |
| Money Marketmoney_market | 0.60% APY | 0.60% | — | Standard |
| Money Marketmoney_market | 0.80% APY | 0.80% | — | Standard |
| 3 Month Cert.cd_3mo | 1.78% APY | 1.76% | 3 mo | Standard |
| 6 Month Cert.cd_6mo | 2.00% APY | 1.99% | 6 mo | Standard |
| 36 Month Cert.cd_36mo | 2.50% APY | 2.47% | 36 mo | Standard |
| 12 Month Cert.cd_12mo | 2.76% APY | 2.73% | 12 mo | Standard |
| 24 Month Cert.cd_24mo | 2.80% APY | 2.76% | 24 mo | Standard |
Other rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Consolidation Loanother | 12.000% % | 12.000% | — | Standard |
Vehicle loans available from 4.74% APR. HELOC rates from 8.25% APR. Personal loan rates from 10.99% APR. Credit card rates from 10.75% APR. Savings and certificate yields up to 2.80% APY.
Source: RateAPI.dev, verified from Rancho Credit Union's official website
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About Rancho Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 7K
- Assets
- $110.3M
- Founded
- 1936
- Locations reported
- 3
- NCUA charter
- 1204
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
- Bilingual services
- Payday Alternative Loans I
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Rancho Credit Union
Membership eligibility from Rancho Credit Union's own published criteria. How we verify this.
Membership via employers (Albertsons +6 more)
- EmployerAlbertsons, CVS, Disneyland, Kaiser, Panda Express, Rite Aid, Vons
Cost to join: About $30 (a $5 membership fee plus a $25 minimum deposit).
Verified from Rancho Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Rancho Credit Union?
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Frequently Asked Questions
What rates does Rancho Credit Union offer?
Rancho Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.
How often are Rancho Credit Union rates updated?
RateAPI verifies Rancho Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.
Where does RateAPI get Rancho Credit Union's rate data?
Rate data is collected directly from Rancho Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Rancho Credit Union's auto & motorcycle loan rates?
As of August 3, 2026, Rancho Credit Union offers vehicle loans from 4.74% APR.
What is Rancho Credit Union's HELOC rate?
As of August 3, 2026, Rancho Credit Union offers home equity lines of credit from 8.25% APR.
What is Rancho Credit Union's personal loan rate?
As of August 3, 2026, Rancho Credit Union offers personal loans from 10.99% APR.
What is Rancho Credit Union's best CD rate?
As of August 3, 2026, Rancho Credit Union offers savings and certificate (CD) yields up to 2.80% APY.
Related Rate Data
Compare Rancho Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Rancho Credit Union rates
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# Get rates for Rancho Credit Union
curl "https://api.rateapi.dev/credit-unions/california/rancho" \
-H "Authorization: Bearer YOUR_API_KEY"