Business Details
Your Trusted Partner for Financial Solutions in Los Angeles
F & A Federal Credit Union has served the financial needs of Los Angeles County residents and essential workers since our founding. As a member-owned, not-for-profit institution, we prioritize personalized service and competitive rates across a comprehensive range of financial products. Our expertise spans deposit accounts, loan programs, and investment solutions tailored to meet diverse financial goals. We demonstrate authority through transparent practices, federally insured accounts, and a commitment to community-focused banking.Our trustworthiness is evidenced by decades of service, no hidden fees, and a member-centric approach that treats clients as valued partners rather than account numbers. We maintain rigorous compliance standards and emphasize financial education to empower informed decision-making.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Loans
Credit Cards
Certificates
Personal Loans
Home Equity Loans
Retirement Accounts
Youth Savings
Highlights and features
- We offer consistently great rates on deposits and loans with no temporary promotions
- Our checking accounts feature no monthly fees or minimum balance requirements
- We provide federally insured investment options with guaranteed returns
- Our loan programs include flexible terms up to 144 months for major purchases
- We specialize in member-focused financial solutions for local communities
What people say
Family-oriented
On top of all issues
Care about you as a person
Services
Auto Loans
Competitive-rate financing for new and used vehicles up to 125% loan-to-value. Terms up to 84 months with maximum loans of $150,000. Available for cars, trucks, and specialty vehicles. Our program accommodates various credit profiles while maintaining transparent fee structures.
Certificates
Fixed-return investment options with terms from 6 months to 5 years. Minimum deposits start at $1,000 with automatic renewal options. Federally insured products offering guaranteed rates up to 4.50% APY. Designed for risk-averse savers seeking predictable growth.
Premier Low Rate Visa
Low-interest credit card with APRs from 6.90% to 14.50% for purchases and balance transfers. Features $0 annual fee, credit lines between $5,000-$25,000, and no balance transfer fees. Ideal for managing ongoing balances while avoiding excessive interest charges.
Home Equity Loans
Fixed-rate financing using home equity for major expenses. Available in 10-30 year terms with competitive rates. No prepayment penalties and flexible use for renovations, education, or debt consolidation. Provides predictable monthly payments for long-term financial planning.
Youth Savings Accounts
Specialized accounts for young savers up to age 26. Offers premium rates on balances up to $1,000 with no minimum requirements. Designed to teach financial literacy through practical money management experience while maintaining parental oversight options.
Questions
Who is eligible for membership?
Employees of Los Angeles County Fire Department, municipal workers, and their immediate family members qualify for membership.
What loan terms do you offer?
Loan terms range from 6 months to 144 months depending on product type, with flexible repayment options.
Are there monthly maintenance fees?
No accounts have monthly maintenance fees, including checking, savings, and loan products.
How are interest rates determined?
Rates are based on market conditions, loan type, and member creditworthiness with transparent pricing structures.
Can I access digital banking tools?
All accounts include free digital banking with mobile payments, bill pay, and real-time transaction monitoring.
