Best Credit Union 18 Month CD Rates in Cudahy, California, CA

You are viewing rates from credit unions across Cudahy

Below are eighteen month Certificates of Deposit (CD) rates from credit unions in Cudahy, California. Eighteen Month CDs offer a bit more yield than 1 year CDs but require a longer time-commitment. Like any CD, you should consider the trade-off between the difference in yield and the required time commitment. If an 18 month CD pays significantly above the yield of a 12-month CD, it may be worth opening.

Cudahy, CA - August 26, 2025

18 Month CD National Average : 0.58% ^?

Credit Unions	APY	MIN	MILES ^?
Frontwave Fire Mountain 008 Branch Restrictions	6.00%	$1,000	-	Learn More Add Review
Self-help Riverbank Branch Restrictions	4.60%	$500	-	Learn More
northcape5 \| Sep 27, 2016 why have you not updated your rates Read More Reviews (1)
Cbc Camarillo Branch Restrictions	4.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 6.00% → 5.00% → 4.75% → 4.50%
Schoolsfirst Santa Ana Branch Restrictions	4.30% 4.25% 4.20% 4.15%	$100,000 $50,000 $20,000 $500	-	Learn More Add Review
Rate History: 4.25% → 4.40% → 4.60% → 4.35% → 4.30%
Global North Apple Valley Branch Restrictions	4.15%	$10,000	-	Learn More Add Review
Rate History: 2.55% → 2.85% → 4.05% → 3.85% → 4.15%
Community First Ukiah Branch Restrictions	4.00%	$1,000	-	Learn More Add Review
Navy Federal Credit Union China Lake Branch Restrictions	3.85% 3.80%	$100,000 $1,000	-	Learn More
Rate History: 4.45% → 4.15% → 3.85%
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
Technology Campbell Financial Center Branch Restrictions	3.75%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 3.75%
California Glendale Branch Restrictions	3.75%	$1,000	-	Learn More Add Review
Rate History: 4.30% → 3.75%
Premier America Corporate Headquarters Branch Restrictions	3.75%	$1,000	-	Learn More Add Review
Rate History: 3.00% → 4.00% → 3.75%
Travis Travis Afb Branch Restrictions	3.65%	$500	-	Learn More Add Review
Rate History: 1.30% → 4.50% → 5.00% → 4.85% → 3.65%
Citizens Equity First Willow Glen Member Center Branch Restrictions	3.56% 3.51%	$100,000 $1,000	-	Learn More Add Review
Rate History: 5.00% → 4.30% → 4.55% → 4.05% → 3.56%
Mission Oberlin Branch Restrictions	3.55% 3.51% 3.45%	$100,000 $10,000 $2,000	-	Learn More Add Review
Rate History: 2.70% → 3.55%
The Golden 1 The Golden 1 Credit Union Corporate Office Branch Restrictions	3.55% 3.45%	$100,000 $500	-	Learn More Add Review
Educational Employees Corporate Branch Restrictions	3.45% 3.40% 3.35% 3.30%	$100,000 $50,000 $10,000 $500	-	Learn More Add Review
Credit Union Of Southern California Corporate Office Branch Restrictions	3.35%	$1,000	-	Learn More Add Review
Rate History: 2.95% → 3.30% → 3.35%
Logix Burbank Branch Restrictions	3.35% 3.25%	$100,000 $1,000	-	Learn More Add Review
Rate History: 2.55% → 3.60% → 3.45% → 3.35%
Patelco Berkeley Branch Restrictions	3.15%	$250	-	Learn More
Rate History: 4.00% → 3.15%
ceblack9490@comcast.net \| Feb 6, 2023 max. amt. per account thats insured under your ncua? limit on how many accts? Read More Reviews (2)
Wescom Central Ops Center Branch Restrictions	3.00%	$500	-	Learn More Add Review
Rate History: 5.00% → 4.10% → 4.00% → 3.10% → 3.00%
Farmers Insurance Group Farmers Insurance Group Federal Credit Union Branch Restrictions	2.75%	$1,000	-	Learn More Add Review
Rate History: 4.15% → 3.75% → 3.50% → 3.25% → 2.75%
Safe Antelope Branch Restrictions	2.58% 2.43%	$25,000 $500	-	Learn More Add Review
Department of Commerce Restrictions	2.18%	$500	-	Learn More
Rate History: 4.76% → 4.24% → 3.98% → 3.52% → 2.18%
member \| Dec 14, 2022 Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More Reviews (2)
San Diego County Operations Center - Administration Building Branch Restrictions	1.75%	$2,000	-	Learn More Add Review
Safe 1 Main Office Branch Restrictions	1.75%	$1,000	-	Learn More Add Review
Provident Vital Record Center Branch Restrictions	1.61%	$10,000	-	Learn More Add Review
Rate History: 2.21% → 1.61%
Sandia Laboratory Downtown Livermore Branch Restrictions	1.25%	$100,000	-	Learn More Add Review
Sandia Laboratory Downtown Livermore Branch Restrictions	1.05%	$10,000	-	Learn More Add Review
Pacific Service Concord Branch Restrictions	1.00%	$100,000	-	Learn More Add Review
First City Los Angeles Branch Restrictions	0.90%	$100,000	-	Learn More Add Review
Pacific Service Concord Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
East County Schools Main Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Coasthills Lompoc Branch Restrictions	0.85%	$100,000	-	Learn More Add Review
California Coast Spectrum Center Branch Restrictions	0.85%	$100,000	-	Learn More Add Review
San Mateo 350 Convention Way Branch Restrictions	0.85%	$10,000	-	Learn More
Evelyn Navarro \| Aug 21, 2020 What is San Mateo's SWIFT code? Read More Reviews (1)
Energy One Bakersfield Branch Restrictions	0.85%	$100,000	-	Learn More Add Review
San Diego Firefighters San Diego Firefighters Federal Credit Union - Main Office Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Lassen County Lassen County Federal Credit Union Branch Restrictions	0.80%	$100,000	-	Learn More Add Review
First City Los Angeles Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Noble Fcfcu Administration Branch Restrictions	0.80%	$100,000	-	Learn More Add Review
Together Los Angeles Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Sun Community El Centro Branch Restrictions	0.80%	$100,000	-	Learn More Add Review
Tulare County Tulare Corporate Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
First Imperial Brawley Branch Restrictions	0.75%	$100,000	-	Learn More Add Review
Noble Fcfcu Administration Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Certified San Diego Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Energy One Bakersfield Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Kings Kings Federal Credit Union Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Valley First Orangeburg Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Operating Engineers Local Union #3 Admin Offices Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
First Imperial Brawley Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Lassen County Lassen County Federal Credit Union Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Capstone Capstone Federal Credit Union Branch	0.70%	$10,000	-	Learn More Add Review
Lbs Financial Bixby Knolls Branch Restrictions	0.70%	$100,000	-	Learn More Add Review
Sce Irwindale Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Siskiyou Central Cu Siskiyou Central Credit Union Branch Restrictions	0.70%	$100,000	-	Learn More Add Review
Sierra Central Beale Branch Restrictions	0.70%	$100,000	-	Learn More Add Review
Sun Community El Centro Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Sacramento H Street Branch Restrictions	0.70%	$100,000	-	Learn More Add Review
Justice Wilshire West Branch #8 Restrictions	0.65%	$100,000	-	Learn More Add Review
First U.s. Community Watt Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Coasthills Lompoc Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
California Coast Spectrum Center Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Sacramento H Street Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Chabot Chabot Fcu Branch Restrictions	0.65%	$500	-	Learn More Add Review
Altaone Corporate Branch Restrictions	0.65%	$100,000	-	Learn More Add Review
Silverado Silverado Home Office Branch Restrictions	0.65%	$1,000	-	Learn More Add Review
Media City Media City Community Credit Union Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
Commonwealth Central Corporate Office Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Pasadena Pasadena Federal Credit Union Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
Lbs Financial Bixby Knolls Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Siskiyou Central Cu Siskiyou Central Credit Union Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Sierra Central Beale Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Xceed Financial Head Office Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
1st Northern California Martinez Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
Orange County's Orange County's Cu Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
Cabrillo Federal Building Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
Justice Wilshire West Branch #8 Restrictions	0.55%	$10,000	-	Learn More Add Review
Ventura County Ventura County Credit Union Branch Restrictions	0.55%	$10,000	-	Learn More
Mark Radner \| Dec 3, 2021 When a Credit Union targets homeless people and steals money from a homeless persons account without their consent is disgusting. I am currently homeles and have noticed unauthorized charges going to my ac... Read More Reviews (2)
Smw 104 Smw 104 Fcu Branch Restrictions	0.55%	$100,000	-	Learn More
Gdanalynn \| Dec 17, 2022 Let me start by saying, this is a garbage institution. They do not carry cash at all. You have to go to another bank to withdraw the cash from your own account. What is the point of having an account here?... Read More Reviews (1)
1st Northern California Martinez Branch Restrictions	0.55%	$50,000	-	Learn More Add Review
Sesloc Branch 1 Restrictions	0.55%	$10,000	-	Learn More Add Review
Bay Live Oak Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Gain 1800 W. Magnolia Blvd Branch Restrictions	0.55%	$100,000	-	Learn More Add Review
Altaone Corporate Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Cabrillo Federal Building Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Smw 104 Smw 104 Fcu Branch Restrictions	0.50%	$10,000	-	Learn More
Gdanalynn \| Dec 17, 2022 Let me start by saying, this is a garbage institution. They do not carry cash at all. You have to go to another bank to withdraw the cash from your own account. What is the point of having an account here?... Read More Reviews (1)
Orange County's Orange County's Cu Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
United Local United Local Credit Union Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
Alta Vista Lugonia Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Los Angeles Glendale Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
The First Financial First Financial Credit Union Branch	0.50%	$10,000	-	Learn More Add Review
Pasadena Pasadena Federal Credit Union Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Uncle Main Office Branch Restrictions	0.47%	$10,000	-	Learn More Add Review
El Monte Community Main Office Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Premier One Santa Clara Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
United Local United Local Credit Union Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Los Angeles Glendale Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Ume Main Office Branch Restrictions	0.45%	$100,000	-	Learn More Add Review
Arrowhead Central Chino Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
Clearpath Main Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
Gain 1800 W. Magnolia Blvd Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
American United 1st Californian Branch Restrictions	0.40%	$500	-	Learn More Add Review
Ume Main Office Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Arrowhead Central Chino Branch Restrictions	0.35%	$1,000	-	Learn More Add Review
Media City Media City Community Credit Union Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
San Francisco Fire Main Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Central State Main Branch Restrictions	0.30%	$100,000	-	Learn More Add Review
Yolo Woodland Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
California Agribusiness Buena Park Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Clearpath Main Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Allus Salinas Branch	0.25%	$10,000	-	Learn More Add Review
Central State Main Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Cooperative Center Main Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Partners 1st Partners 1st Fcu, Br. 57 Branch Restrictions	0.18%	$10,000	-	Learn More Add Review
Monterey Monterey Credit Union Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Pacific Crest Dorris Branch Restrictions	0.14%	$100,000	-	Learn More Add Review
Pacific Crest Dorris Branch Restrictions	0.12%	$10,000	-	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116

Branch	Street	City	State
FRONTWAVE Fire Mountain 008 Fire Mountain 008 Branch	2454 Vista Way	Oceanside	CA
SELF-HELP Riverbank Riverbank Branch	2256 Patterson Rd	Riverbank	CA
OCEANAIR Camarillo Branch Camarillo Branch	300 Arneill Rd	Camarillo	CA
SCHOOLSFIRST Santa Ana Santa Ana Branch	2115 N Broadway	Santa Ana	CA
SCHOOLSFIRST Santa Ana Santa Ana Branch	2115 N Broadway	Santa Ana	CA
SCHOOLSFIRST Santa Ana Santa Ana Branch	2115 N Broadway	Santa Ana	CA
GLOBAL North Apple Valley Branch North Apple Valley Branch	15961 Apple Valley Rd	Apple Valley	CA
SCHOOLSFIRST Santa Ana Santa Ana Branch	2115 N Broadway	Santa Ana	CA
COMMUNITY FIRST Ukiah Ukiah Branch	526 S State St	Ukiah	CA
NAVY FEDERAL CREDIT UNION China Lake China Lake Branch	234 Balsam St	Ridgecrest	CA
NAVY FEDERAL CREDIT UNION China Lake China Lake Branch	234 Balsam St	Ridgecrest	CA
TECHNOLOGY Campbell Financial Center Campbell Financial Center Branch	1562 S Bascom Ave	San Jose	CA
CALIFORNIA Glendale Glendale Branch	701 N BRAND BLVD	GLENDALE	CA
PREMIER AMERICA Corporate Headquarters Corporate Headquarters Branch	19867 Prairie St	Chatsworth	CA
TRAVIS Travis Afb Branch Travis Afb Branch	659 Skymaster Cir	Travis AFB	CA
CITIZENS EQUITY FIRST Willow Glen Member Center Willow Glen Member Center Branch	670 Lincoln Ave	San Jose	CA
MISSION Oberlin Oberlin Branch	5785 Oberlin Dr	San Diego	CA
THE GOLDEN 1 The Golden 1 Credit Union Corporate Office The Golden 1 Credit Union Corporate Office Branch	8945 Cal Center Dr	Sacramento	CA
MISSION Oberlin Oberlin Branch	5785 Oberlin Dr	San Diego	CA
CITIZENS EQUITY FIRST Willow Glen Member Center Willow Glen Member Center Branch	670 Lincoln Ave	San Jose	CA
EDUCATIONAL EMPLOYEES Corporate Corporate Branch	2222 W Shaw Ave	Fresno	CA
MISSION Oberlin Oberlin Branch	5785 Oberlin Dr	San Diego	CA
THE GOLDEN 1 The Golden 1 Credit Union Corporate Office The Golden 1 Credit Union Corporate Office Branch	8945 Cal Center Dr	Sacramento	CA
EDUCATIONAL EMPLOYEES Corporate Corporate Branch	2222 W Shaw Ave	Fresno	CA
EDUCATIONAL EMPLOYEES Corporate Corporate Branch	2222 W Shaw Ave	Fresno	CA
CREDIT UNION OF SOUTHERN CALIFORNIA Corporate Office Corporate Office Branch	8101 E Kaiser Blvd Fl 3	Anaheim	CA
LOGIX Burbank Burbank Branch	2340 N Hollywood Way	Burbank	CA
EDUCATIONAL EMPLOYEES Corporate Corporate Branch	2222 W Shaw Ave	Fresno	CA
LOGIX Burbank Burbank Branch	2340 N Hollywood Way	Burbank	CA
PATELCO Berkeley Berkeley Branch	2033 Shattuck Ave	Berkeley	CA
WESCOM CENTRAL Ops Center Ops Center Branch	5601 E La Palma Ave	Anaheim	CA
FARMERS INSURANCE Farmers Insurance Group Federal Credit Union Farmers Insurance Group Federal Credit Union Branch	87 W Alexander Ave	Merced	CA
SAFE Antelope Antelope Branch	7887 Walerga Rd	Antelope	CA
SAFE Antelope Antelope Branch	7887 Walerga Rd	Antelope	CA
SAN DIEGO COUNTY Operations Center - Administration Building Operations Center - Administration Building Branch	6545 Sequence Dr	San Diego	CA
SAFE 1 Main Office Main Office Branch	1400 Mill Rock Way	Bakersfield	CA
PROVIDENT Vital Record Center Vital Record Center Branch	514 Eccles Ave	South San Francisco	CA
SUNWARD Downtown Livermore Downtown Livermore Branch	39 S Livermore Ave Ste 101	Livermore	CA
SUNWARD Downtown Livermore Downtown Livermore Branch	39 S Livermore Ave Ste 101	Livermore	CA
PACIFIC SERVICE Concord Concord Branch	3000 Clayton Rd	Concord	CA
FIRST CITY Los Angeles Los Angeles Branch	717 W Temple St	Los Angeles	CA
PACIFIC SERVICE Concord Concord Branch	3000 Clayton Rd	Concord	CA
EAST COUNTY SCHOOLS Main Main Branch	1069 Graves Ave Ste 100	El Cajon	CA
COASTHILLS Lompoc Branch Lompoc Branch	1320 N H St	Lompoc	CA
CALIFORNIA COAST Spectrum Center Spectrum Center Branch	9201 Spectrum Center Blvd	San Diego	CA
MONTERRA 350 Convention Way 350 Convention Way Branch	350 Convention Way	Redwood City	CA
ENERGY ONE Bakersfield Bakersfield Branch	10000 Stockdale Hwy	Bakersfield	CA
SAN DIEGO FIREFIGHTERS San Diego Firefighters Federal Credit Union - Main Office San Diego Firefighters Federal Credit Union - Main Office Branch	4926 La Cuenta Dr	San Diego	CA
LASSEN COUNTY Lassen County Federal Credit Union Lassen County Federal Credit Union Branch	2605 Riverside Dr	Susanville	CA
FIRST CITY Los Angeles Los Angeles Branch	717 W Temple St	Los Angeles	CA
NOBLE Fcfcu Administration Fcfcu Administration Branch	2580 W Shaw Ln	Fresno	CA
TOGETHER Los Angeles Los Angeles Branch	15804 Roscoe Blvd	Van Nuys	CA
SUN COMMUNITY El Centro Branch El Centro Branch	1068 Broadway Ave	El Centro	CA
TULARE COUNTY Tulare Corporate Branch Tulare Corporate Branch	300 N K St	Tulare	CA
FIRST IMPERIAL Brawley Branch Brawley Branch	409 W Main St	Brawley	CA
NOBLE Fcfcu Administration Fcfcu Administration Branch	2580 W Shaw Ln	Fresno	CA
CERTIFIED San Diego Branch San Diego Branch	3550 Murphy Canyon Rd	San Diego	CA
ENERGY ONE Bakersfield Bakersfield Branch	10000 Stockdale Hwy	Bakersfield	CA
KINGS Kings Federal Credit Union Kings Federal Credit Union Branch	1415 W Lacey Blvd	Hanford	CA
VALLEY FIRST Orangeburg Orangeburg Branch	1005 W Orangeburg Ave	Modesto	CA
OPERATING ENGINEERS LOCAL UNION #3 Admin Offices Admin Offices Branch	250 N Canyons Pkwy	Livermore	CA
FIRST IMPERIAL Brawley Branch Brawley Branch	409 W Main St	Brawley	CA
LASSEN COUNTY Lassen County Federal Credit Union Lassen County Federal Credit Union Branch	2605 Riverside Dr	Susanville	CA
CAPSTONE Capstone Federal Credit Union Capstone Federal Credit Union Branch	3 POLARIS WAY STE 31B	ALISO VIEJO	CA
LBS FINANCIAL Bixby Knolls Bixby Knolls Branch	4436 Atlantic Ave	Long Beach	CA
RIZE Irwindale Branch Irwindale Branch	12701 Schabarum Ave	Irwindale	CA
SISKIYOU Siskiyou Central Credit Union Siskiyou Central Credit Union Branch	845 4th St	Yreka	CA
SIERRA CENTRAL Beale Branch Beale Branch	17602 25th Street	Beale AFB	CA
SUN COMMUNITY El Centro Branch El Centro Branch	1068 Broadway Ave	El Centro	CA
SACRAMENTO H Street Branch H Street Branch	800 H St	Sacramento	CA
JUSTICE Wilshire West Branch #8 Wilshire West Branch #8	11000 Wilshire Blvd	Los Angeles	CA
FIRST U.S. COMMUNITY Watt Branch Watt Branch	2150 Watt Ave	Sacramento	CA
COASTHILLS Lompoc Branch Lompoc Branch	1320 N H St	Lompoc	CA
CALIFORNIA COAST Spectrum Center Spectrum Center Branch	9201 Spectrum Center Blvd	San Diego	CA
SACRAMENTO H Street Branch H Street Branch	800 H St	Sacramento	CA
CHABOT Chabot Fcu Chabot Fcu Branch	7080 DONLON WAY STE 100	DUBLIN	CA
ALTAONE Corporate Corporate Branch	701 S China Lake Blvd	Ridgecrest	CA
SILVERADO Silverado Home Office Silverado Home Office Branch	PO Box 330	Angwin	CA
MEDIA CITY Media City Community Credit Union Media City Community Credit Union Branch	1020 W Olive Ave	Burbank	CA
COMMONWEALTH CENTRAL Corporate Office Corporate Office Branch	5890 Silver Creek Valley Rd	San Jose	CA
PASADENA Pasadena Federal Credit Union Pasadena Federal Credit Union Branch	1038 S Fair Oaks Ave	Pasadena	CA
LBS FINANCIAL Bixby Knolls Bixby Knolls Branch	4436 Atlantic Ave	Long Beach	CA
SISKIYOU Siskiyou Central Credit Union Siskiyou Central Credit Union Branch	845 4th St	Yreka	CA
SIERRA CENTRAL Beale Branch Beale Branch	17602 25th Street	Beale AFB	CA
XCEED FINANCIAL Head Office Head Office Branch	888 N Nash St	El Segundo	CA
1ST NORTHERN CALIFORNIA Martinez Martinez Branch	1111 Pine St	Martinez	CA
ORANGE COUNTY'S Orange County's Cu Orange County's Cu Branch	1701 E Saint Andrew Pl	Santa Ana	CA
CABRILLO Federal Building Federal Building Branch	880 Front St	San Diego	CA
JUSTICE Wilshire West Branch #8 Wilshire West Branch #8	11000 Wilshire Blvd	Los Angeles	CA
VENTURA COUNTY Ventura County Credit Union Ventura County Credit Union Branch	6026 Telephone Rd	Ventura	CA
SMW 104 Smw 104 Fcu Smw 104 Fcu Branch	1750 Abram Ct	San Leandro	CA
1ST NORTHERN CALIFORNIA Martinez Martinez Branch	1111 Pine St	Martinez	CA
SESLOC Branch 1 Branch 1	3807 BROAD ST	SAN LUIS OBISPO	CA
BAY Live Oak Live Oak Branch	5300 Soquel Ave Ste 201	Santa Cruz	CA
GAIN 1800 W. Magnolia Blvd 1800 W. Magnolia Blvd Branch	1800 W Magnolia Blvd	Burbank	CA
ALTAONE Corporate Corporate Branch	701 S China Lake Blvd	Ridgecrest	CA
CABRILLO Federal Building Federal Building Branch	880 Front St	San Diego	CA
SMW 104 Smw 104 Fcu Smw 104 Fcu Branch	1750 Abram Ct	San Leandro	CA
ORANGE COUNTY'S Orange County's Cu Orange County's Cu Branch	1701 E Saint Andrew Pl	Santa Ana	CA
UNITED LOCAL United Local Credit Union United Local Credit Union Branch	3650 E Ashlan Ave	Fresno	CA
ALTA VISTA Lugonia Branch Lugonia Branch	1425 W LUGONIA AVE	REDLANDS	CA
LOS ANGELES Glendale Glendale Branch	300 S Glendale Ave	Glendale	CA
THE FIRST FINANCIAL First Financial Credit Union First Financial Credit Union Branch	1600 W Cameron Ave	West Covina	CA
PASADENA Pasadena Federal Credit Union Pasadena Federal Credit Union Branch	1038 S Fair Oaks Ave	Pasadena	CA
UNCLE Main Office Main Office Branch	2100 LAS POSITAS CT	LIVERMORE	CA
EL MONTE COMMUNITY Main Office Main Office Branch	11718 Ramona Blvd	El Monte	CA
PREMIER ONE Santa Clara Santa Clara Branch	2999 SAN YSIDRO WAY	SANTA CLARA	CA
UNITED LOCAL United Local Credit Union United Local Credit Union Branch	3650 E Ashlan Ave	Fresno	CA
LOS ANGELES Glendale Glendale Branch	300 S Glendale Ave	Glendale	CA
UME Main Office Main Office Branch	3000 W Magnolia Blvd	Burbank	CA
ARROWHEAD CENTRAL Chino Chino Branch	12099 Central Ave	Chino	CA
CLEARPATH Main Branch Main Branch	340 Arden Ave	Glendale	CA
GAIN 1800 W. Magnolia Blvd 1800 W. Magnolia Blvd Branch	1800 W Magnolia Blvd	Burbank	CA
AMERICAN UNITED 1st Californian 1st Californian Branch	47993 Morongo Trl	Cabazon	CA
UME Main Office Main Office Branch	3000 W Magnolia Blvd	Burbank	CA
ARROWHEAD CENTRAL Chino Chino Branch	12099 Central Ave	Chino	CA
MEDIA CITY Media City Community Credit Union Media City Community Credit Union Branch	1020 W Olive Ave	Burbank	CA
SAN FRANCISCO FIRE Main Branch Main Branch	3201 California St	San Francisco	CA
CENTRAL STATE Main Branch Main Branch	919 N Center St	Stockton	CA
YOLO Woodland Woodland Branch	266 W Main St	Woodland	CA
CENTER CITY COMMUNITY Buena Park Branch Buena Park Branch	6281 Beach Blvd Ste 87	Buena Park	CA
CLEARPATH Main Branch Main Branch	340 Arden Ave	Glendale	CA
ALLUS Salinas Branch Salinas Branch	1410 N Main St	Salinas	CA
CENTRAL STATE Main Branch Main Branch	919 N Center St	Stockton	CA
COOPERATIVE CENTER Main Branch Main Branch	2001 Ashby Ave	Berkeley	CA
PARTNERS 1ST Partners 1st Fcu, Br. 57 Partners 1st Fcu, Br. 57 Branch	c/o NXP	San Jose	CA
MONTEREY Monterey Credit Union Monterey Credit Union Branch	2600 Garden Rd	MONTEREY	CA
PACIFIC CREST Dorris Branch Dorris Branch	201 W Third Street	Dorris	CA
PACIFIC CREST Dorris Branch Dorris Branch	201 W Third Street	Dorris	CA

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PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.

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FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

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