--- title: "Espeeco Credit Union Rates (Nov 2026): CDs to 0.40%" description: "Espeeco Credit Union rates today: savings & CDs up to 0.40% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Espeeco Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/espeeco" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Espeeco Credit Union Rates (Nov 2026): CDs to 0.40% ### Auto & vehicle rates 14 offers | Product | Published | Rate | Term / condition | Status | | **84-Month New Auto Loan** auto_new_84mo | — APR | 5.250% | 84 mo · new | Context only | | **New Auto Loan** auto_new | — APR | 5.250% | new | Standard | | **Used Auto Loan** auto_used | — APR | 5.750% | used | Standard | | **USED AUTO (LESS THAN 10 YEARS OLD)** auto_used_72mo | — APR | 5.750% | 72 mo · used | Context only | | **72-Month New Motorcycle Loan** motorcycle_new_72mo | — APR | 6.750% | 72 mo · new | Context only | | **Motorcycle Loan** motorcycle | — APR | 6.750% | — | Standard | | **60-Month Used Motorcycle Loan** motorcycle_used_60mo | — APR | 7.000% | 60 mo · used | Context only | | **NEW RV & MOTORHOMES** rv_new_120mo | — APR | 7.500% | 120 mo · new | Context only | | **USED RV & MOTORHOMES** rv_used_96mo | — APR | 7.750% | 96 mo · used | Context only | | **72-Month New Boat Loan** boat_new_72mo | — APR | 8.000% | 72 mo · new | Context only | | **60-Month Used Boat Loan** boat_used_60mo | — APR | 8.500% | 60 mo · used | Context only | | **ATV, UTV, JET SKI, SNOWMOBILE** powersports_any_60mo | — APR | 11.000% | 60 mo | Context only | | **STOCK TRAILER** powersports | — APR | 11.000% | — | Context only | | **1ST TIME AUTO BUYER LOAN** auto_any_60mo | — APR | 15.000% | 60 mo | Context only | Espeeco Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **120-Month Share-Secured Loan** personal_secured_120mo | — APR | 3.500% | 120 mo | Context only | | **Signature Loan** personal_unsecured | — APR | 10.000% | — | Standard | | **60-Month Signature Loan** personal_unsecured_60mo | — APR | 10.000% | 60 mo | Context only | | **STARTER SIGNATURE LOAN** personal_unsecured_12mo | — APR | 15.000% | 12 mo | Context only | Espeeco Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 14 offers | Product | Published | Rate | Term / condition | Status | | **$2500.00 - $4,999.99** savings | — APY | 0.10% | — | Standard | | **$1,500.00 - $4,999.99** savings | 0.10% APY | 0.10% | — | Standard | | **$10,000.00 And Up** savings | 0.10% APY | 0.10% | — | Standard | | **$5,000.00 - $9,999.99** savings | 0.10% APY | 0.10% | — | Standard | | **$25.00 - $2,499.99** savings | — APY | 0.10% | — | Standard | | **$250.00 - $1,499.99** savings | 0.10% APY | 0.10% | — | Standard | | **Holiday Club Account (max deposit $2,500.00)** savings | 0.15% APY | 0.15% | — | Specialty offer | | **Educational IRA** ira | 0.40% APY | 0.40% | — | Standard | | **Term Certificates (3 month $1,000.00 and up)** cd_3mo | — APY | 1.00% | 3 mo | Standard | | **Term Certificates (6 month $1,000.00 and up)** cd_6mo | — APY | 1.25% | 6 mo | Standard | | **Term Certificates (12 month $1,000.00 and up)** cd_12mo | — APY | 1.50% | 12 mo | Standard | | **Term Certificates (18 month $1,000.00 and up)** cd_18mo | — APY | 1.75% | 18 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 2.00% | 24 mo | Standard | | **Certificate** share_certificate | — APY | 2.00% | — | Standard | Espeeco Credit Union savings & cd rates as of November 12, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **APR as low as** other | — % | 0.100% | — | Standard | | **Featured Rates** other | — % | 0.100% | — | Standard | | **APR as high as** other | — % | 2.000% | — | Standard | Espeeco Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 0.40% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/espeeco) , verified from [Espeeco Credit Union's official website](https://www.espeeco.org/) Loading branch locator… ## About Espeeco Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.1K Assets $12.4M Founded 1954 Locations reported 3 NCUA charter 9590 Charter type Federal credit union ### Services and member support - Electronic statements - Mobile check deposit Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Valley Strong** Downtown Branch · Bakersfield · CA · 93301 About 0.2 miles away](https://rateapi.dev/credit-unions/california/valley-strong) [**Self-Help** Bakersfield · Bakersfield · CA · 93301 About 0.4 miles away](https://rateapi.dev/credit-unions/north-carolina/self-help) [**Bakersfield City Employees** Strata Credit Union · Bakersfield · CA · 93301 About 0.8 miles away](https://rateapi.dev/credit-unions/california/bakersfield-city-employees) [**Strata** Branch 1 Main Branch · Bakersfield · CA · 93301-5102 About 0.8 miles away](https://rateapi.dev/credit-unions/california/strata) [**Safe 1** Vital Records Center · Bakersfield · CA · 93304 About 1.9 miles away](https://rateapi.dev/credit-unions/california/safe-1) [**Chevron** BR#210 Bakersfield · Bakersfield · CA · 93309-7077 About 2.6 miles away](https://rateapi.dev/credit-unions/california/chevron) 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 Espeeco Credit Union Membership eligibility from Espeeco Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Espeeco Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Union Pacific Railroad, Collective Gyms, St. John’s Church, Christ the King Catholic Church, San Joaquin Valley Railroad, Pruett Tech Inc., O'Hennings Cocktail Lounge, Rendezvous Salon, Russell Brucker Construction, Inc., John R. Wright Trucking, Best Corp., Jeremy Willer Construction, Sully and Sons Hydraulics, Ruben's Mexican Grill, Mexicali Restaurants, Tricor Refinery (Golden Bear), Costco Wholesale, MP Enviromental, Good Samaritan Hospital, Pho-Vy Restaurant, Kern Backhoe Service Inc., Electrical Pros, Bakersfield Pentecostal Church, G.H. Slack and Son, Young Wooldridge, LLP, United Brotherhood of Carpenters 743, Armored Transport of California, Dessy and Dessy Verified from [Espeeco Credit Union's membership page](https://www.espeeco.org/about-us/how-to-join) . Final membership determination is always made by the credit union. ## Membership rules for Espeeco Credit Union Employers 28 · Family 29 published paths to membership, last verified November 8, 2026, quoted from Espeeco Credit Union’s own published criteria. ### Employers 28 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of Union Pacific Railroad “Union Pacific Railroad” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Union Pacific Railroad - Employee of Collective Gyms, LLC “Collective Gyms” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Collective Gyms, LLC - Employee of San Joaquin Valley Railroad “San Joaquin Valley Railroad” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of San Joaquin Valley Railroad - Employee of Pruett Tech Inc. “Pruett Tech Inc.” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Pruett Tech Inc. - Employee of O'Hennings Cocktail Lounge “O'Hennings Cocktail Lounge” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of O'Hennings Cocktail Lounge - Employee of Rendezvous Salon “Rendezvous Salon” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Rendezvous Salon - Employee of Russell Brucker Construction, Inc. “Russell Brucker Construction, Inc.” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Russell Brucker Construction, Inc. - Employee of John R. Wright Trucking “John R. Wright Trucking” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of John R. Wright Trucking - Employee of Best Corp. “Best Corp.” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Best Corp. - Employee of Jeremy Willer Construction “Jeremy Willer Construction” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Jeremy Willer Construction - Employee of Sully and Sons Hydraulics “Sully and Sons Hydraulics” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Sully and Sons Hydraulics - Employee of Ruben's Mexican Grill “Ruben's Mexican Grill” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Ruben's Mexican Grill - Employee of Mexicali Restaurants “Mexicali Restaurants” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Mexicali Restaurants - Employee of Tricor Refinery (Golden Bear) “Tricor Refinery (Golden Bear)” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Tricor Refinery (Golden Bear) - Employee of Costco Wholesale “Costco Wholesale” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Costco Wholesale - Employee of MP Enviromental “MP Enviromental” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of MP Enviromental - Employee of Good Samaritan Hospital “Good Samaritan Hospital” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Good Samaritan Hospital - Employee of Pho-Vy Restaurant “Pho-Vy Restaurant” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Pho-Vy Restaurant - Employee of Kern Backhoe Service Inc. “Kern Backhoe Service Inc.” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Kern Backhoe Service Inc. - Employee of Electrical Pros “Electrical Pros” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Electrical Pros - Employee of G.H. Slack and Son “G.H. Slack and Son” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of G.H. Slack and Son - Employee of Young Wooldridge, LLP “Young Wooldridge, LLP” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Young Wooldridge, LLP - Employee of Armored Transport of California “Armored Transport of California” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Armored Transport of California - Employee of Dessy and Dessy “Dessy and Dessy” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Dessy and Dessy - Employee of St. John’s Church “St. John’s Church” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of St. John’s Church - Employee of Christ the King Catholic Church “Christ the King Catholic Church” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Christ the King Catholic Church - Employee of Bakersfield Pentecostal Church “Bakersfield Pentecostal Church” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of Bakersfield Pentecostal Church - Employee of United Brotherhood of Carpenters 743 “United Brotherhood of Carpenters 743” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Employee of United Brotherhood of Carpenters 743 ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member spouse, sibling, parent, child, grandchild “Immediate family member of an existing member which includes: The members spouse, sibling, parent, child, or grandchild The parent or sibling of the member’s spouse The spouse of a member’s child The spouse of a member’s sibling” > [source ↗](https://www.espeeco.org/about-us/how-to-join) - Family member (spouse, sibling, parent, child, grandchild) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Espeeco Credit Union? Yes No ## Work at Espeeco Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Espeeco Credit Union ranks against California peers. - See which AI assistants fetched Espeeco Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=espeeco&state=california&code=CA&name=Espeeco%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Espeeco Credit Union offer? Espeeco Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Espeeco Credit Union rates updated? RateAPI verifies Espeeco Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Espeeco Credit Union's rate data? Rate data is collected directly from Espeeco Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Espeeco Credit Union's best CD rate? As of November 12, 2026, Espeeco Credit Union offers savings and certificate (CD) yields up to 0.40% APY. ### Who can join Espeeco Credit Union? Espeeco Credit Union publishes its membership criteria on its own website. RateAPI tracks 29 published membership paths covering 28 employers for Espeeco Credit Union, each quoted from Espeeco Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Espeeco Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.espeeco.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Espeeco Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Espeeco Credit Union curl "https://api.rateapi.dev/credit-unions/california /espeeco " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Espeeco Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/espeeco Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp