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California Credit Union IRA CD Rates 2020

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 - July 5, 2020

Advertiser Disclosure
Credit Unions APY Months MIN Miles?
Sponsored Advertiser Disclosure
Premier Community
Restrictions
2.00% 60 $500 -
Thinkwise
Restrictions
1.95% - $500 -
Premier Community
Restrictions
1.85% 60 $10,000 -
F & A
Restrictions
1.71% - $1,000 -
Travis
Restrictions
1.60% 24 $1,000 -
Travis
Restrictions
1.50% 13 $500 -
Provident
Restrictions
1.41% - $500 -
1.41% - $1,000 -
Wings Financial
Restrictions
1.36% 60 $250,000 -
Honda
Restrictions
1.35% - $500 -
Schoolsfirst
Restrictions
1.35% - $500 -
Altura
Restrictions
1.35% - $1,000 -
Schools Financial
Restrictions
1.35% - $500 -
Wings Financial
Restrictions
1.31% 60 $100,000 -
Sandia Laboratory
Restrictions
1.30% - $1,000 -
American Airlines
Restrictions
1.26% - $1,000 -
Wings Financial
Restrictions
1.26% 60 $10,000 -
Alaska Usa
Restrictions
1.25% - $500 -
Sun Community
Restrictions
1.25% - $500 -
Excite
Restrictions
1.25% - $500 -
Tulare County
Restrictions
1.21% - $1,000 -
1.21% - $2,000 -
Wings Financial
Restrictions
1.21% 60 $500 -
Pasadena
Restrictions
1.20% - $1,000 -
Chevron
Restrictions
1.20% - $500 -
Sce
Restrictions
1.15% - $1,000 -
Technology
Restrictions
1.15% - $1,000 -
First California
Restrictions
1.11% - $2,500 -
Energy One
Restrictions
1.10% 13 $100,000 -
American First
Restrictions
1.10% - $1,000 -
Star One
Restrictions
1.06% - $100 -
1.05% - $1,000 -
California
Restrictions
1.01% - $1,000 -
Lbs Financial
Restrictions
1.01% - $100 -
Energy One
Restrictions
1.00% 13 $500 -
Lassen County
Restrictions
1.00% - $1,000 -
Pentagon
Restrictions
1.00% - $1,000 -
1.00% - $1,000 -
1.00% - $500 -
Valley First
Restrictions
1.00% - $1,000 -
Orange County's
Restrictions
1.00% - $1,000 -
Travis
Restrictions
1.00% - $500 -
Premier One
Restrictions
1.00% 36 $1,000 -
Wings Financial
Restrictions
1.00% - $500 -
First City
Restrictions
0.95% - $1,000 -
0.90% - $1,000 -
Energy One
Restrictions
0.90% 7 $100,000 -
Ukrainian
Restrictions
0.90% - $500 -
Stanford
Restrictions
0.90% - $1,000 -
0.90% - $100 -
0.90% - $1,000 -
Keypoint
Restrictions
0.90% - $1,000 -
Meriwest
Restrictions
0.90% - $1,000 -
Premier America
Restrictions
0.90% - $1,000 -
Ventura County
Restrictions
0.90% - $1,000 -
Nuvision
Restrictions
0.89% - $1,000 -
Point Loma
Restrictions
0.89% 13 $1,000 -
0.85% - $2,000 -
Kings
Restrictions
0.85% - $500 -
Edwards
Restrictions
0.85% - $1,000 -
Self-help
Restrictions
0.85% - $100 -
Sacramento
Restrictions
0.85% - $500 -
Frontwave
Restrictions
0.85% - $1,000 -
Patelco
Restrictions
0.85% - $500 -
Energy One
Restrictions
0.80% 7 $500 -
Logix
Restrictions
0.80% - $500 -
Noble
Restrictions
0.80% - $100 -
Southland
Restrictions
0.80% - $1,000 -
0.80% - $25 -
Sierra Central
Restrictions
0.75% - $500 -
Point Loma
Restrictions
0.75% - $1,000 -
Silverado
Restrictions
0.75% - $1,000 -
Coasthills
Restrictions
0.75% - $500 -
0.70% - $1,000 -
Mission
Restrictions
0.70% - $2,000 -
San Diego County
Restrictions
0.70% - $2,000 -
The Golden 1
Restrictions
0.70% - $25 -
0.70% - $500 -
Kinecta
Restrictions
0.65% - $1,000 -
Sesloc
Restrictions
0.65% - $500 -
0.65% - $1,000 -
Redwood
Restrictions
0.65% - $1,000 -
0.65% - $5 -
Uncle
Restrictions
0.65% - $1,500 -
South Bay
Restrictions
0.65% - $1,000 -
Los Angeles
Restrictions
0.60% - $1,000 -
American United
Restrictions
0.60% - $500 -
Xceed Financial
Restrictions
0.60% - $500 -
0.60% - $500 -
First Imperial
Restrictions
0.60% - $500 -
Safe
Restrictions
0.60% - $500 -
Premier One
Restrictions
0.60% - $1,000 -
Ume
Restrictions
0.55% - $2,000 -
Safe 1
Restrictions
0.55% 20 $1,000 -
Merco
Restrictions
0.55% - $2,500 -
Baxter
Restrictions
0.55% - $500 -
Justice
Restrictions
0.50% - $500 -
Altaone
Restrictions
0.50% - $500 -
Unify Financial
Restrictions
0.50% - $1,000 -
First Technology
Restrictions
0.50% - $500 -
Premier Community
Restrictions
0.50% - $500 -
0.50% - $1,000 -
0.50% - $500 -
Media City
Restrictions
0.50% - $1,000 -
Bay
Restrictions
0.45% - $1,000 -
Eagle Community
Restrictions
0.45% - $1,000 -
0.45% - $1,000 -
Gain
Restrictions
0.40% - $1,000 -
Arrowhead Central
Restrictions
0.35% - $1,000 -
0.31% - $2,000 -
Inova
Restrictions
0.30% - $200 -
Desert Valleys
Restrictions
0.30% - $1,000 -
Yolo
Restrictions
0.30% - $500 -
Scient
Restrictions
0.30% - $500 -
Central State
Restrictions
0.30% - $1,000 -
Alta Vista
Restrictions
0.30% - $1,000 -
California Coast
Restrictions
0.30% - $1,000 -
0.30% - $1,000 -
0.30% - $500 -
Tucoemas
Restrictions
0.25% - $10,000 -
0.25% - $1,000 -
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 -
Utility District
Restrictions
0.20% - $10,000 -
Wescom Central
Restrictions
0.20% - $500 -
Cabrillo
Restrictions
0.20% - $2,000 -
Pacific Crest
Restrictions
0.15% - $1,000 -
Partners 1st
Restrictions
0.15% - $500 -
Monterey
Restrictions
0.15% - $1,000 -
0.05% - $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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