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California Credit Union IRA CD Rates 2019

If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

CA - June 17, 2019

Advertiser Disclosure
Credit UnionS APY Months MIN Miles?
Ukrainian
Restrictions
3.10% 15 $500 -
Noble
Restrictions
2.89% 39 $100,000 -
2.80% 25 $250,000 -
Energy One
Restrictions
2.75% 20 $100,000 -
2.75% 10 $50 -
Sce
Restrictions
2.75% 17 $10,000 -
Wings Financial
Restrictions
2.73% 60 $90,000 -
2.70% 25 $100,000 -
Wings Financial
Restrictions
2.68% 60 $10,000 -
Energy One
Restrictions
2.65% 20 $500 -
Alliant
Restrictions
2.65% - $1,000 -
Wings Financial
Restrictions
2.63% 60 $500 -
Sri
Restrictions
2.62% - $1,000 -
Ukrainian
Restrictions
2.60% - $500 -
2.60% 25 $1,000 -
Energy One
Restrictions
2.55% 13 $100,000 -
2.53% - $1 -
Kinecta
Restrictions
2.50% 15 $1,000 -
Chevron
Restrictions
2.50% - $500 -
San Diego County
Restrictions
2.50% 16 $2,000 -
San Mateo
Restrictions
2.50% 24 $2,000 -
Travis
Restrictions
2.50% 24 $1,000 -
2.50% 24 $500 -
Wings Financial
Restrictions
2.48% 18 $5,000 -
Energy One
Restrictions
2.45% 13 $500 -
Melrose
Restrictions
2.42% - $5,000 -
Wings Financial
Restrictions
2.42% 48 $10,000 -
Mission
Restrictions
2.40% 16 $2,000 -
American First
Restrictions
2.40% 13 $1,000 -
Noble
Restrictions
2.39% 39 $50,000 -
Travis
Restrictions
2.37% 13 $500 -
Wings Financial
Restrictions
2.37% 48 $500 -
American Airlines
Restrictions
2.33% - $1,000 -
Partners 1st
Restrictions
2.30% 29 $500 -
First Technology
Restrictions
2.30% - $500 -
American First
Restrictions
2.30% 7 $1,000 -
Sesloc
Restrictions
2.27% 16 $500 -
Stanford
Restrictions
2.27% - $1,000 -
Wings Financial
Restrictions
2.27% 13 $500 -
2.25% - $1,000 -
Sce
Restrictions
2.25% 15 $1,000 -
Schoolsfirst
Restrictions
2.25% - $500 -
Technology
Restrictions
2.25% - $1,000 -
2.25% 12 $500 -
2.22% - $1,000 -
Provident
Restrictions
2.21% - $500 -
Alliance
Restrictions
2.20% - $500 -
Lbs Financial
Restrictions
2.20% - $100 -
Star One
Restrictions
2.20% - $100 -
F & A
Restrictions
2.17% - $1,000 -
Ventura County
Restrictions
2.15% - $1,000 -
Usc
Restrictions
2.15% - $1,000 -
Sesloc
Restrictions
2.12% - $500 -
Self-help
Restrictions
2.12% - $100 -
Coasthills
Restrictions
2.12% 24 $500 -
Pasadena
Restrictions
2.10% - $1,000 -
Alaska Usa
Restrictions
2.10% - $500 -
2.10% - $2,000 -
Orange County's
Restrictions
2.10% - $1,000 -
Premier America
Restrictions
2.10% - $1,000 -
Wings Financial
Restrictions
2.07% 36 $90,000 -
Safe 1
Restrictions
2.05% 15 $1,000 -
Wings Financial
Restrictions
2.02% 36 $10,000 -
Coasthills
Restrictions
2.02% - $500 -
Pentagon
Restrictions
2.00% - $1,000 -
Xceed Financial
Restrictions
2.00% - $500 -
Wings Financial
Restrictions
1.96% 36 $500 -
Kinecta
Restrictions
1.95% - $1,000 -
Thinkwise
Restrictions
1.95% - $5 -
Partners 1st
Restrictions
1.90% 16 $500 -
Ume
Restrictions
1.87% - $2,000 -
Wings Financial
Restrictions
1.86% - $500 -
Nuvision
Restrictions
1.85% - $1,000 -
1.85% - $1,000 -
Geico
Restrictions
1.81% - $1,000 -
Noble
Restrictions
1.80% 39 $10,000 -
Redwood
Restrictions
1.80% - $1,000 -
Justice
Restrictions
1.76% - $500 -
Sandia Laboratory
Restrictions
1.76% - $1,000 -
1.76% - $100 -
Lassen County
Restrictions
1.75% - $1,000 -
Unify Financial
Restrictions
1.75% - $1,000 -
California
Restrictions
1.75% - $1,000 -
1.75% - $500 -
American First
Restrictions
1.75% - $1,000 -
Energy One
Restrictions
1.70% - $500 -
1.70% - $1,000 -
Sce
Restrictions
1.55% - $1,000 -
Partners
Restrictions
1.55% - $1,000 -
1.55% - $1,000 -
Schools Financial
Restrictions
1.55% - $500 -
Patelco
Restrictions
1.55% - $500 -
Los Angeles
Restrictions
1.51% - $1,000 -
1.51% - $100 -
Smw 104
Restrictions
1.50% - $1,000 -
1.50% - $500 -
1.50% - $100 -
San Mateo
Restrictions
1.50% 18 $1,000 -
Alta Vista
Restrictions
1.50% - $1,000 -
Pacific Service
Restrictions
1.50% - $500 -
Edwards
Restrictions
1.47% - $1,000 -
Sun Community
Restrictions
1.46% - $500 -
Bay
Restrictions
1.46% - $1,000 -
Sierra Central
Restrictions
1.46% - $500 -
Logix
Restrictions
1.40% - $1,000 -
Noble
Restrictions
1.40% 39 $500 -
1.40% - $500 -
Noble
Restrictions
1.36% - $100 -
Altura
Restrictions
1.35% - $1,000 -
San Diego County
Restrictions
1.34% - $2,000 -
Uncle
Restrictions
1.31% - $1,500 -
1.31% - $1,000 -
Point Loma
Restrictions
1.31% - $1,000 -
Baxter
Restrictions
1.30% - $500 -
1.26% - $2,000 -
Menlo Survey
Restrictions
1.26% - $500 -
Inova
Restrictions
1.25% - $200 -
San Mateo
Restrictions
1.25% - $1,000 -
Travis
Restrictions
1.25% - $500 -
Premier One
Restrictions
1.25% - $1,000 -
Media City
Restrictions
1.25% 9 $15,000 -
Tulare County
Restrictions
1.21% - $1,000 -
1.21% - $1,000 -
Kings
Restrictions
1.21% - $500 -
1.21% - $1,000 -
Mission
Restrictions
1.20% - $2,000 -
Wescom Central
Restrictions
1.20% - $500 -
1.20% - $500 -
Keypoint
Restrictions
1.16% - $1,000 -
First California
Restrictions
1.11% - $2,500 -
Frontwave
Restrictions
1.05% - $1,000 -
1.00% - $2,000 -
Media City
Restrictions
1.00% - $1,000 -
0.90% - $1,000 -
The Golden 1
Restrictions
0.90% - $25 -
0.90% - $25 -
Rancho
Restrictions
0.89% - $1,000 -
California Coast
Restrictions
0.85% 18 $90,000 -
Safe
Restrictions
0.85% - $500 -
Merco
Restrictions
0.80% - $2,500 -
0.80% - $500 -
Chabot
Restrictions
0.75% - $5,000 -
California Coast
Restrictions
0.75% 18 $50,000 -
Silverado
Restrictions
0.75% - $1,000 -
Desert Valleys
Restrictions
0.70% - $1,000 -
Premier Community
Restrictions
0.65% - $500 -
California Coast
Restrictions
0.65% 18 $10,000 -
Pacific Crest
Restrictions
0.60% - $1,000 -
First Imperial
Restrictions
0.60% - $500 -
Gain
Restrictions
0.50% - $1,000 -
Altaone
Restrictions
0.50% - $500 -
Scient
Restrictions
0.50% - $500 -
California Coast
Restrictions
0.50% 18 $1,000 -
Eagle Community
Restrictions
0.50% - $2,000 -
Central State
Restrictions
0.40% - $1,000 -
0.40% - $5 -
Valley First
Restrictions
0.40% - $1,000 -
Kern Schools
Restrictions
0.35% - $1,000 -
Tucoemas
Restrictions
0.35% - $10,000 -
Strata
Restrictions
0.35% - $1,000 -
Arrowhead Central
Restrictions
0.35% - $1,000 -
Yolo
Restrictions
0.30% - $500 -
California Coast
Restrictions
0.30% - $1,000 -
Fme
Restrictions
0.25% - $500 -
0.25% - $2,000 -
Monterey
Restrictions
0.25% - $1,000 -
Partners 1st
Restrictions
0.23% - $500 -
La Financial
Restrictions
0.20% - $1,000 -
Clearpath
Restrictions
0.20% - $500 -
Mokelumne
Restrictions
0.20% - $1,500 -
United Local
Restrictions
0.20% - $2,000 -
Cabrillo
Restrictions
0.20% - $2,000 -
Meriwest
Restrictions
0.15% - $1,000 -
Mocse
Restrictions
0.02% - $100 -
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


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PRODUCT INFORMATION


Fixed Rate IRA CDs

Fixed Rate IRA CDs are CDs that are held within an Individual Retirement Account (IRA) or a Roth Retirement Account. In an IRA, the funds are deposited pre-tax and allowed to accumulate tax free. When the individual retires, they are withdrawn and all earnings are taxed at the prevailing tax rate. Because individuals generally have lower incomes upon retirement, the tax rate is lower than what it would have been during their working years.

With a Roth IRA, post-tax funds are deposited into the account and the money is allowed to accumulate and be withdrawn tax free.

If the funds are withdrawn before retirement age 59 1/2, the individual will be required to pay a 10% penalty on top of any taxes owed. There are some exceptions to this rule. Fund can be withdrawn penalty free if they are used to pay for education at an IRA qualifying institution or in the purchase of a house.

Advantages to a FIRA

  • Money grows in a tax-advantaged way.
  • Funds are FDIC insured, just like a regular CD.
  • Interest rates on FIRAs are often higher than the same terms for a CD.
  • Some flexibility in withdrawing the money early for first time homebuyers and education expenses.

Disadvantages to a FIRA

  • Returns may not be as high as stocks, bonds, mutual funds.
  • Funds cannot be withdrawn until 59 1/2 without penalty (except for IRS approved expenses).
  • If interest rates rise during the term of the FIRA, money will be stuck in lower yielding account.

Please click here for more information on fixed rate IRA CDs.

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