At a glance
From its website, read 2 Nov 2026Rolling F Credit Union is a credit union based in Turlock, California. Its website describes auto loans, credit-builder loans, home mortgages and 1 other loan type. Stated loan amounts run up to $200,000. Where it lends: Stanislaus and Merced counties in California. Consumer loan APRs stated on its site range from 4.3% to 8.95%. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (209) 634-2911 source |
|---|---|
| support@rollingf.org source | |
| Apply online | Page with the application link |
| Website | rollingf.org |
| Office (official list) | 2101 Geer Road Suite 401, Turlock, CA 95382 |
What their website says about applying
Give us a call (209) 634-2911 to talk about pre-approval.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate: from 4.3% APR | as low as 4.30% APR | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | 5.30 - 13.60% | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | 5.40 - 14.14% | source |
| Credit-builder loans | Rate stated, not as an APR: see their wording | 12.10 - 20.10% | source |
| Personal / consumer loans | Rate: from 8.95% APR | as low as 8.95% APR. | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | 9.95 - 17.95% | source |
| Loans (general) | Term: see their wording | 120 MONTHS (10YRS) | source |
| Loans (general) | Term: see their wording | 180 MONTHS (15 YRS) | source |
| Loans (general) | Term: see their wording | 240 MONTHS (20 YRS) | source |
| Auto / vehicle loans | Term: up to 7 yr | We offer terms all the way up to 84 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
Even if you have a low or bad credit, we’re more than happy to work with you
source - Collateral required
You use your home as collateral for the loan.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 30 Nov 2021 |
| RSSD ID | 278498 |
| Address | 2101 Geer Road Suite 401, Turlock, CA 95382 Directions (Google Maps) |
| Website | rollingf.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Whether you’re purchasing a new vehicle or refinancing your current one, Rolling F Credit Union offers the best low-rate auto loans. | source |
| Credit-builder loans | up to $500 | CREDIT BUILDER - Max. $500 | source |
| Home mortgages | up to $200,000 | MAX: $200,000.00 | source |
| Personal / consumer loans | up to $10,000 | You can borrow up to $10,000 and you repay us monthly. | source |
Loan sizes
If you are purchasing new or used (2015-Current) You are eligible for a maximum of $100,000.
sourceYou can borrow up to $10,000 and you repay us monthly.
sourceCREDIT BUILDER - Max. $500
sourceMAX: $200,000.00
source
Range used for the size filter: not stated to $200,000
Service area
Stanislaus and Merced counties in California
Remember — We currently only serve the Stanislaus and Merced counties of California.
source
Counties this matches: Merced County, CA, Stanislaus County, CA
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. CLICK HERE FOR ONLINE APPLICATION (Digital)
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - Is there a minimum loan amount?
Their website gives a maximum ($200,000) but no minimum. - What is the APR, including fees, on your credit-builder loans and home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$125,000 in 1 award from the U.S. Treasury's CDFI Fund, 2021 (CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Program, Technical Assistance | $125,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as ROLLING F (charter 61128). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $63.9 million (as of 30 Jun 2026) |
|---|---|
| Members | 4,752 (as of 30 Jun 2026) |
| Offices | 1 (as of 30 Jun 2026) |
Offices by state and county (1)
California (1 office)
- Stanislaus County (1): 2101 Geer Rd Ste 401, Turlock 95382 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Rolling F Credit Union (NCUA charter 61128, filed as “ROLLING F”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $33.3 million, 4,258 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 4.9% from $31.8 million on 30 Jun 2025 |
| Members | 4,752 (as of 30 Jun 2026); 5,098 (as of 30 Jun 2025) |
| Loans per member | $7,016 (total loans divided by members, 30 Jun 2026) |
| Total assets | $63.9 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $3.9 million | 11.7% |
| Used vehicle loans | $9.1 million | 27.3% |
| First-lien home mortgages (1-4 family) | $12.2 million | 36.7% |
| Other real estate loans (junior liens, other) | $2.2 million | 6.7% |
| Other unsecured loans | $3.2 million | 9.5% |
| Leases and other secured loans | $2.7 million | 8.1% |
None reported on the 30 Jun 2026 report: commercial (business) loans; credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $200,000 | Other credit unions whose website states a maximum: median $60,000. Higher than the stated maximum of 67% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $63.9 million | Larger than 12% of the 25 other certified credit unions in California (median $613.8 million). |
| Loans as a share of assets | 52% | Median of the same 25 credit unions: 72%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $31.8 million → $33.3 million (+5%) | Median change of 24 other certified credit unions in California: +5%. Rank by loans held among these 25: 22 → 22. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 67% |
| Call Report total assets | other certified credit unions in California | 25 | larger than 12% |
| Loans held then vs now | certified credit unions in California reporting both dates | 24 | rank 22 → 22 of 25 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Turlock and California
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- American Nonprofits, Inc.Loan fund · Santa Cruz, CAVerified
- Apoyo Financiero Inc.Loan fund · Concord, CAPersonal / consumer loans, Small-business loansVerified
Work at Rolling F Credit Union? Link to this page
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