The Ontario Montclair School Employees Federal Credit Union All Credit Levels is a cdfi lender from Ontario Montclair School Employees Federal Credit Union. The annual fee is $0. The ongoing APR is 4.55%. Rewards: Members benefit from competitive rates, no NSF or overdraft fees, and access to mobile banking services.. This product reports activity to your personal credit report. Ontario Montclair School Employees Federal Credit Union, also known as Vida Federal Credit Union, provides financial services primarily to individuals associated with the Ontario Montclair School District and those living or working in San Bernardino County, CA. The credit union offers a variety of lending options including competitive auto loans, mortgages, and personal loans, with a focus on supporting the financial needs of its members. Services include: auto loans, mortgages, personal loans. US Treasury certified CDFI Credit Union in Ontario, CA. Membership required.