Save more. Achieve more. Climb higher.
Experience exceptional rates and unmatched personal service at F&A — exclusively for those who keep LA County safe and running. That’s the F&A promise to our members.
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Featured Rates
Great Rates, No Gimmicks.
No complicated terms, no temporary promotions — just consistently great rates on deposits and loans that put more money in your pocket. That's the F&A promise.
1-Year Certificate
F&A Certificates offer the security of fixed returns without market risk. Enjoy peace of mind while your savings grow at industry-leading rates.
APY{{apy}} as high as
4.25%
Dividend rate{{cert_dividend}} as high as
4.16%
Premier Low Rate Visa
Save more with our market-leading low rates — an excellent card for anyone who often carries a balance.
APR{{cc_apr}} for purchases
6.90% to 14.50%
APR for balance transfers
6.90% to 14.50%
APR for cash advances
6.90% to 14.50%
Annual fee
$0.00
Credit line
$5,000.00 to $25,000.00
Auto Loans at Exceptional Rates
Whether you’re financing your daily commute or your weekend escape, F&A delivers exceptionally competitive rates that keep more money in your pocket.
Auto Loans
Finance a new or used car or truck up to 125% loan to value with a low-interest F&A auto loan.
APR{{auto_apr}} as low as
4.60%
Maximum term
84 mo.
Maximum loan
$150,000.00
Maximum vehicle age{{auto_max_age}}
12 years
Guaranteed Auto Protection & Mechanical Breakdown Protection
Protect your investment with Guaranteed Auto Protection (GAP) and Mechanical Breakdown Protection (MBP). If your car or truck is totaled, GAP covers the difference between your insurance payout and your remaining loan balance, potentially saving you thousands out of pocket. With MBP, enjoy coverage that’s often more comprehensive than dealer warranties.
Climb Higher with Industry-Leading Rates
F&A Certificates are a safe, flexible way to build up your savings and diversify your financial portfolio. Lock in competitive rates for terms ranging from 6 months to 5 years in a federally insured investment.
Certificates
Earn a guaranteed rate of return{{apy}}{{cert_dividend}} on your investment with this safe, flexible savings option. Choose a term from six months to five years. Minimum deposit of $1,000.
Certificates at a Glance
- Choose flexible terms from 6 months to 5 years
- Earn exceptional dividends monthly{{cert_dividend}}
- Minimum balance of $1,000 for standard Certificates, $50,000 for jumbo Certificates
- No monthly fee
- Automatic renewal options to keep your savings growing continuously
Banking That Works As Hard As You Do
Simplify your finances with F&A’s Checking Accounts that offer convenient access, digital tools, and no monthly fees to make everyday banking effortless. Our High-Yield eChecking delivers an impressive APY, turning your primary account into a powerful earning tool.
High Yield eChecking
Watch your money grow at a premium rate when you agree to receive paperless eStatements.
APY{{apy_checking}} as high as
4.59%
Dividend rate{{dividend}} as high as
4.50%
$10,000+ balance rate
0.25%
Minimum to open
$0.00
Monthly fee
$0.00
Checking at a Glance
- No minimum balance
- No monthly fee
- Free BillPay, Visa® debit card, and first set of checks
- Connect to Apple Pay®, Google Pay®, and Samsung Pay®
Free overdraft protection{{overdraft_protection}} with an F&A Savings Account
Remarkable Rates for Limitless Possibilities
Whether it’s everyday purchases or financing larger expenses, F&A’s Visa credit cards featuring exceptionally low rates help you save money with every swipe. Climb higher with a card designed to work for you.
Premier Low Rate Visa
Save more with our market-leading low rates — an excellent card for anyone who often carries a balance.
APR{{cc_apr}} for purchases
6.90% to 14.50%
APR for balance transfers
6.90% to 14.50%
APR for cash advances
6.90% to 14.50%
Annual fee
$0.00
Credit line
$5,000.00 to $25,000.00
Credit Cards at a Glance
- Low fixed rates
- No annual fees
- No balance transfer fees
- No over-limit fees
- No cash advance fees
- Free fraud protection with $0 deductible
Unlock Your Home’s Equity for Your Goals
Open a Home Equity Line of Credit (HELOC) or Fixed-Rate Home Equity Loan from F&A and give yourself financial flexibility to meet your goals, whether it’s a home renovation, education funding, or unexpected expenses. Let’s climb higher together.
Home Equity Line of Credit (HELOC) Snapshot
- Revolving line of credit — pay interest only on what you use
- Competitive variable rates
- Quick, flexible access to funds
- No prepayment penalties
Home Equity Lines of Credit at a Glance
HELOC:
- Revolving line of credit — pay interest only on what you use
- Competitive variable rates
- Quick, flexible access to funds
Home Equity Loan
- One-time lump sum of funds
- Locked-in fixed rates
- Flexible terms
Higher Rates Mean Higher Earnings
Grow your savings with competitive rates and complete flexibility. Earn guaranteed returns while maintaining access to use your funds when needed. See how high your earnings can go with an F&A Money Market Account.
Money Market Accounts
Gain higher dividends with an F&A Money Market Account.
APY{{apy}} as high as
2.79%
Dividend rate{{dividend}} as high as
2.25%
Minimum to open
$2,500.00
Minimum balance required{{mm_min_balance}}
$2,500.00
Monthly fee
$0.00
Money Market at a Glance
- Dividends paid monthly
- No monthly fees
- Funds insured by NCUA
Account can be used for overdraft protection{{overdraft_protection}}
Home Financing That Fits Your Future
Find your perfect home solution with F&A’s competitive mortgage options tailored to fit your unique financial journey, offering fixed and adjustable rate (ARM) options and 10-, 15-, 20-, and 30-year terms. Let’s get you home.
Mortgages at a Glance
- Free pre-qualifications
- Apply in as little as 20 minutes
- Mortgage professionals available by phone or email
Mortgage Resources
Buying a home can be an overwhelming decision — and may be the largest financial decision of your life. Our mortgage resources aim to help with the process. Explore our resources to get a firmer understanding of the process.
Flexible Options for Your Next Steps
Whether you’re consolidating debt, funding a home improvement, or covering unexpected expenses, F&A’s personal loans offer competitive rates and convenient terms tailored to your unique situation.
Personal Loans
Access this flexible option for any of life’s surprises or as a way to consolidate higher-interest debt.
FICO{{fico}} Score Range
APR{{all_personal_apr}}
FICO 720 and above
7.90%
FICO 680 to 719
9.90%
FICO 620 to 679
13.90%
FICO 619 or less
16.90%
Personal Loans at a Glance
- Low, exceptional rates
- No origination fee
- 0.50% rate reduction for payments made by automatic transfer or payroll deduction
- No prepayment penalty
- No collateral required
- Funds can be deposited directly into your F&A account
Save with Exceptional Rates on Recreational Loans
Turn your dreams of adventure into reality with F&A’s recreational vehicle financing. From boats and RVs to motorcycles, our competitive rates and flexible terms help you hit the open road or water without draining your savings.
RV Loans
APR{{rv_apr}} range
6.90% to 14.90%
Maximum term
144 mo.
Maximum loan (new)
$200,000.00
Maximum financing (new)
80% of MSRP; 90% for 720+ credit scores
Maximum loan (used)
$125,000.00
Maximum financing (used)
80% of used average from NADA
Maximum vehicle age{{rv_boat_max_age}}
12 years
Recreational Loans at a Glance
- Same rate for new or used RVs, boats, and motorcycles
- Flexible repayment terms
- No prepayment penalty
- Autopay through your connected F&A account
Plan for Retirement Confidently
Our Retirement Accounts offer flexibility while providing steady growth over fixed terms. Whether you’re starting your retirement journey or diversifying an existing portfolio, our options are designed to help build the future you envision.
Traditional IRAs, Roth IRAs, and SEP IRAs Available
Plan for tomorrow with tax-advantaged retirement savings and dependable growth. IRA Savings Accounts and IRA Certificates are available as Traditional IRAs, Roth IRAs, or SEP IRAs. Discover your perfect fit with an F&A Retirement Specialist today.
Rollover Your Old Retirement Plan
Have a 401(k) from a former employer? Wish to consolidate your retirement holdings? You can roll over a former employer's retirement plan into an F&A IRA account. Contact our Member Contact Center for more information at (800) 222-1226.
Establish Your Membership at F&A
As a member-owned not-for-profit credit union, F&A returns value directly to you as a member. Open an Ownership/Savings Account to access our exceptional deposit rates, loan rates, and top-tier customer service.
Ownership/Savings
An Ownership/Savings Account establishes your membership at F&A with just $5, giving you access to great rates and personalized member service. Additional savings accounts can be opened at the same great rate.
APY{{apy}} as high as
0.25%
Dividend rate{{dividend}} as high as
0.25%
Minimum to earn
$5.00
Minimum to open
$5.00
Minimum balance required{{min_bal_5}}
$5.00
Monthly fee
$0.00
Ownership/Savings at a Glance
- Exceptional rates
- Concierge-like member service
- Required $5 minimum balance{{min_bal_5}}
- No service fees
Available to employees of the Los Angeles County Fire Department and municipal workers in the city and county, plus immediate family members. Please check your eligibility.
A Pathway to Smarter Savings
Help your child or grandchild build healthy financial habits with F&A’s Youth Savings Account. It’s the perfect savings tool to help them learn about money management while earning an exceptional rate.
Youth Savings
Create a pathway to smarter savings. Youth up to age 26½{{youth_savings}} earn a preferred rate on balances up to $1,000.
APY{{apy}} as high as
6.18%
Dividend rate{{dividend}} as high as
6.00%
Minimum to earn
$0.00
Minimum to open
$0.00
Monthly fee
$0.00
Youth Savings Accounts at a Glance
- Available to youth up to age 22½ — or age 26½,{{youth_savings}} if the paperless eStatements option is selected
- No minimum balance
- No service fees
- Balances up to $1,000 earn a preferred dividend rate
- Balances over $1,000 earn our regular savings dividend rate
Board of Directors & Supervisory Committee Election
The board election cycle is now open to candidates wishing to serve on F&A Federal Credit Union's Board of Directors or Supervisory Committee.
Member Appreciation Luncheon
Join F&A Credit Union as we celebrate you, our members, at our annual Member Appreciation Luncheon.
"F&A is family-oriented and on top of all issues right away. They care about you as a person. You are not just a number."
- Cindy J
Respect
Bringing value through teamwork, kindness, and inclusion.
At F&A, we celebrate the diversity of our membership and our team, believing it makes us stronger. Our commitment to respect shapes how we serve members and support colleagues, understand different perspectives, and foster a welcoming environment. We endeavor to make every interaction reflect the consideration you deserve.
