At a glance
From its website, read 2 Nov 2026Vida Federal Credit Union is a credit union based in Ontario, California. Its website describes auto loans, credit-builder loans and personal loans. Stated loan amounts run from $500 to $250,000. Where it lends: San Bernardino County, California; membership open to people who live, work, worship, attend school or do business there. Consumer loan APRs stated on its site range from 4.55% to 7.26%. It says it considers borrowers with low or no credit history. You can start an application online. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (909) 983-1959 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.vidafcu.org |
| Office (official list) | 1520 N Palmetto Ave, Ontario, CA 91762 |
What their website says about applying
Apply online in minutes. No branch visit required
sourceApply online, sign remotely, vehicle delivered to you
sourceContact us directly to get started. No online application required.
sourceApply online, by phone, or in branch
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 |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | As low as 6.00% | source |
| Loans (general) | Rate stated, not as an APR: see their wording | 6.75% to 11.31% | source |
| Loans (general) | Rate: from 7.26% APR | 20-year fixed as low as 7.26% APR | source |
| Loans (general) | Rate stated, not as an APR: see their wording | 7.26% to 12.01% | source |
| Auto / vehicle loans | Rate: from 4.55% APR | 4.55% APR | source |
| Auto / vehicle loans | Term: up to 7 yr | 100% financing. Up to 84 months. | source |
| Personal / consumer loans | Term: see their wording | Up to 72 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
- Membership required
Membership required. All loans subject to credit approval.
source - Low or damaged credit considered
A less-than-perfect score does not automatically disqualify you.
source - No or thin credit history considered
Credit builder loans available for first-time or rebuilding borrowers
source - First-time homebuyer program
First-time buyer programs are available through Varris
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) | 7 Aug 2019 |
| RSSD ID | 6486 |
| Address | 1520 N Palmetto Ave, Ontario, CA 91762 Directions (Google Maps) |
| Website | www.vidafcu.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. First mortgages are arranged through partner Varris Mortgage Solutions and were excluded from the products list. 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 | — | 100% financing. Real rates. No dealer games, no hidden fees. Apply online, sign from home, and don't pay a thing for up to 90 days. | source |
| Credit-builder loans | — | Credit builder loans available for first-time or rebuilding borrowers | source |
| Personal / consumer loans | up to $40,000 | Up to $20,000 solo. Up to $40,000 together. Fixed rates. Use it for anything. | source |
Loan sizes
Minimum loan amount $500. Membership must be open for at least one month.
sourceUp to $20,000 solo. Up to $40,000 together. Fixed rates. Use it for anything.
sourceThe maximum loan amount is $250,000, up to 80% CLTV.
sourceOwner-occupied primary residences only, $10,000 minimum
source
Range used for the size filter: $500 to $250,000
Service area
San Bernardino County, California; membership open to people who live, work, worship, attend school or do business there
Live, work, worship, attend school, or do business in San Bernardino County
source
Counties this matches: San Bernardino County, CA
Borrower focus
- Not stated on the pages we read.
Languages
- Spanish
Spanish-language support available at no cost
source
Online application
Yes — the site links to an application. Apply online in minutes. No branch visit required
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. - 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$7.4 million in 4 awards from the U.S. Treasury's CDFI Fund, 2019–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $1,250,000 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2021 | CDFI Program, Financial Assistance | $590,000 |
| 2019 | CDFI Program, Financial Assistance | $650,000 |
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 VIDA (charter 14542). 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 | $174.6 million (as of 30 Jun 2026) |
|---|---|
| Members | 10,179 (as of 30 Jun 2026) |
| Offices | 1 (as of 30 Jun 2026) |
Offices by state and county (1)
California (1 office)
- San Bernardino County (1): 1520 N Palmetto Ave, Ontario 91762 (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 Vida Federal Credit Union (NCUA charter 14542, filed as “VIDA”). 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 | $88.8 million, 8,963 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 6.2% from $83.6 million on 30 Jun 2025 |
| Members | 10,179 (as of 30 Jun 2026); 10,178 (as of 30 Jun 2025) |
| Loans per member | $8,721 (total loans divided by members, 30 Jun 2026) |
| Total assets | $174.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $9.6 million | 10.8% |
| Used vehicle loans | $18.7 million | 21.1% |
| First-lien home mortgages (1-4 family) | $33.4 million | 37.6% |
| Other real estate loans (junior liens, other) | $11.1 million | 12.5% |
| Credit cards | $6 million | 6.8% |
| Other unsecured loans | $7.8 million | 8.8% |
| Leases and other secured loans | $2.1 million | 2.4% |
None reported on the 30 Jun 2026 report: commercial (business) loans.
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 | $250,000 | Other credit unions whose website states a maximum: median $60,000. Higher than the stated maximum of 72% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $174.6 million | Larger than 32% of the 25 other certified credit unions in California (median $613.8 million). |
| Loans as a share of assets | 51% | 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 | $83.6 million → $88.8 million (+6%) | Median change of 24 other certified credit unions in California: +4%. Rank by loans held among these 25: 19 → 19. |
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 72% |
| Call Report total assets | other certified credit unions in California | 25 | larger than 32% |
| Loans held then vs now | certified credit unions in California reporting both dates | 24 | rank 19 → 19 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 Ontario and California
- AmPac Tri-State CDC Inc.Loan fund · Ontario, CAOfficial list only
- 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
Work at Vida Federal Credit Union? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.