Best Credit Union 18 Month CD Rates in California, CA

You are viewing rates from credit unions across California

Below are eighteen month Certificates of Deposit (CD) rates from credit unions in 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.

CA - August 4, 2025

18 Month CD National Average : 0.58% ^?

Credit Unions	APY	MIN	MILES ^?
Frontwave Pacific Marine Branch Restrictions	6.00%	$1,000	-	Learn More Add Review
Self-help Self-help Branch Restrictions	4.60%	$500	-	Learn More
northcape5 \| Sep 27, 2016 why have you not updated your rates Read More Reviews (1)
Cbc Cbc Branch Restrictions	4.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 6.00% → 5.00% → 4.75% → 4.50%
Schoolsfirst Schoolsfirst 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 Alaska Usa Branch Restrictions	4.15%	$10,000	-	Learn More Add Review
Rate History: 2.55% → 2.85% → 4.05% → 3.85% → 4.15%
Community First Mendo Lake Branch Restrictions	4.00%	$1,000	-	Learn More Add Review
Inova Restrictions	4.00%	$200	-	Learn More Add Review
Rate History: 4.50% → 4.75% → 4.50% → 4.40% → 4.00%
Navy Federal Credit Union Navy Federal Credit 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 Technology Branch Restrictions	3.75%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 3.75%
California Beaudry 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 Merced Branch Restrictions	3.65%	$500	-	Learn More Add Review
Rate History: 1.30% → 4.50% → 5.00% → 4.85% → 3.65%
Citizens Equity First Citizens Equity Firs 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 Mission 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 Branch Restrictions	3.55% 3.45%	$100,000 $500	-	Learn More Add Review
Educational Employees Educational Employee 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 Credit Union Of Sout 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%
Pentagon Restrictions	3.25%	$1,000	-	Learn More
Rate History: 4.30% → 4.00% → 3.70% → 3.60% → 3.25%
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
Patelco Roseville 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 Wescom Central 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 Gr Branch Restrictions	2.75%	$1,000	-	Learn More Add Review
Rate History: 4.15% → 3.75% → 3.50% → 3.25% → 2.75%
Safe North Natomas 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 San Diego County Branch Restrictions	1.75%	$2,000	-	Learn More Add Review
Safe 1 Safe 1 Branch Restrictions	1.75%	$1,000	-	Learn More Add Review
Provident Provident Branch Restrictions	1.61%	$10,000	-	Learn More Add Review
Rate History: 2.21% → 1.61%
Sandia Laboratory Sandia Laboratory Branch Restrictions	1.25%	$100,000	-	Learn More Add Review
Sandia Laboratory Sandia Laboratory Branch Restrictions	1.05%	$10,000	-	Learn More Add Review
Pacific Service Pacific Service Branch Restrictions	1.00%	$100,000	-	Learn More Add Review
First City First City Branch Restrictions	0.90%	$100,000	-	Learn More Add Review
Pacific Service Pacific Service Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
East County Schools Grossmont Schools Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Coasthills Vandenerg Air Force Base Branch Restrictions	0.85%	$100,000	-	Learn More Add Review
California Coast California Coast Branch Restrictions	0.85%	$100,000	-	Learn More Add Review
San Mateo San Mateo 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 Energy One Branch Restrictions	0.85%	$100,000	-	Learn More Add Review
San Diego Firefighters San Diego Firefighte Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Lassen County Lassen County Branch Restrictions	0.80%	$100,000	-	Learn More Add Review
First City First City Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Noble Fresno County Branch Restrictions	0.80%	$100,000	-	Learn More Add Review
Together Anheuser-busch Emplo Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Sun Community Sun Community 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 First Imperial Branch Restrictions	0.75%	$100,000	-	Learn More Add Review
Noble Fresno County Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Certified Vons Employees Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Energy One Energy One Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Kings Kings Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Valley First Valley First Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Operating Engineers Local Union #3 Operating Engineers Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
First Imperial First Imperial Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Lassen County Lassen County Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Capstone Capstone Branch	0.70%	$10,000	-	Learn More Add Review
Lbs Financial Lbs Financial Branch Restrictions	0.70%	$100,000	-	Learn More Add Review
Sce Ontario Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Siskiyou Central Cu Siskiyou Central Cu Branch Restrictions	0.70%	$100,000	-	Learn More Add Review
Sierra Central Marysville Branch Restrictions	0.70%	$100,000	-	Learn More Add Review
Sun Community Sun Community Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Sacramento Sacramento Branch Restrictions	0.70%	$100,000	-	Learn More Add Review
Justice Justice Branch Restrictions	0.65%	$100,000	-	Learn More Add Review
First U.s. Community First U.s. Community Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Coasthills Vandenerg Air Force Base Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
California Coast California Coast Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Sacramento Sacramento Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Chabot Chabot Branch Restrictions	0.65%	$500	-	Learn More Add Review
Altaone Altaone Branch Restrictions	0.65%	$100,000	-	Learn More Add Review
Silverado Silverado Branch Restrictions	0.65%	$1,000	-	Learn More Add Review
Media City Media City Community Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
Commonwealth Central Commonwealth Central Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Pasadena Pasadena Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
Lbs Financial Lbs Financial Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Siskiyou Central Cu Siskiyou Central Cu Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Sierra Central Marysville Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Xceed Financial Xceed Financial 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 Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
Cabrillo Carlsbad Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
Justice Justice Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Ventura County Ventura County 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 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 Sesloc Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Bay Bay Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Gain Burbank City Branch Restrictions	0.55%	$100,000	-	Learn More Add Review
Altaone Altaone Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Cabrillo Carlsbad Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Smw 104 Smw 104 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 Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
United Local United Local Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
Alta Vista Alta Vista Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Los Angeles Los Angeles Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
The First Financial West Covina Branch	0.50%	$10,000	-	Learn More Add Review
Pasadena Pasadena Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Uncle Uncle Branch Restrictions	0.47%	$10,000	-	Learn More Add Review
El Monte Community El Monte City Employ Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Premier One National 1st Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
United Local United Local Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Los Angeles Los Angeles Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Ume Burbank Community Branch Restrictions	0.45%	$100,000	-	Learn More Add Review
Valley Strong	0.40%	$10,000	-	Learn More
Rangkay \| Sep 12, 2020 What's the swift code Read More Reviews (1)
Arrowhead Central Arrowhead Central Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
Clearpath Clearpath Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
Gain Burbank City Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
American United American United Fami Branch Restrictions	0.40%	$500	-	Learn More Add Review
Ume Burbank Community Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Arrowhead Central Arrowhead Central Branch Restrictions	0.35%	$1,000	-	Learn More Add Review
Media City Media City Community Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
San Francisco Fire San Francisco Fire Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Central State Central State Branch Restrictions	0.30%	$100,000	-	Learn More Add Review
Yolo Yolo Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
California Agribusiness California Agribusin Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Clearpath Clearpath Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Allus Monterey County Empl Branch	0.25%	$10,000	-	Learn More Add Review
Central State Central State Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Cooperative Center Cooperative Center Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Partners 1st Partners 1st Branch Restrictions	0.18%	$10,000	-	Learn More Add Review
Monterey Monterey 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 10007

Branch	Street	City	State
FRONTWAVE Pacific Marine Pacific Marine Branch	MCX Complex, Building CU - 1105	Camp Pendleton	CA
SELF-HELP Self-help Self-help Branch	1836 Bay Road, Suite B	East Palo Alto	CA
OCEANAIR Cbc Cbc Branch	2151 E. GONZALES RD.	OXNARD	CA
SCHOOLSFIRST Schoolsfirst Schoolsfirst Branch	2115 N Broadway	Santa Ana	CA
SCHOOLSFIRST Schoolsfirst Schoolsfirst Branch	2115 N Broadway	Santa Ana	CA
SCHOOLSFIRST Schoolsfirst Schoolsfirst Branch	2115 N Broadway	Santa Ana	CA
GLOBAL Alaska Usa Alaska Usa Branch	15961 Apple Valley Road	Apple Valley	CA
SCHOOLSFIRST Schoolsfirst Schoolsfirst Branch	2115 N Broadway	Santa Ana	CA
COMMUNITY FIRST Mendo Lake Mendo Lake Branch	526 S. State St	Ukiah	CA
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1824 Marron ST.,, Suite 112, The North County Plaz	Carlsbad	CA
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1824 Marron ST.,, Suite 112, The North County Plaz	Carlsbad	CA
TECHNOLOGY Technology Technology Branch	2010 NORTH FIRST STREET	SAN JOSE	CA
CALIFORNIA Beaudry Beaudry Branch	333 S BEAUDRY AVE STE 213	LOS ANGELES	CA
PREMIER AMERICA Corporate Headquarters Corporate Headquarters Branch	19867 Prairie St	Chatsworth	CA
TRAVIS Merced Branch Merced Branch	1194 W Olive Ave	Merced	CA
CITIZENS EQUITY FIRST Citizens Equity Firs Citizens Equity Firs Branch	2980 E. Capitol Expressway, Suite 90	San Jose	CA
MISSION Mission Mission Branch	5785 Oberlin Drive	San Diego	CA
THE GOLDEN 1 The Golden 1 The Golden 1 Branch	8945 CAL CENTER DRIVE	SACRAMENTO	CA
MISSION Mission Mission Branch	5785 Oberlin Drive	San Diego	CA
CITIZENS EQUITY FIRST Citizens Equity Firs Citizens Equity Firs Branch	2980 E. Capitol Expressway, Suite 90	San Jose	CA
EDUCATIONAL EMPLOYEES Educational Employee Educational Employee Branch	2222 W. SHAW AVE.	FRESNO	CA
MISSION Mission Mission Branch	5785 Oberlin Drive	San Diego	CA
THE GOLDEN 1 The Golden 1 The Golden 1 Branch	8945 CAL CENTER DRIVE	SACRAMENTO	CA
EDUCATIONAL EMPLOYEES Educational Employee Educational Employee Branch	2222 W. SHAW AVE.	FRESNO	CA
EDUCATIONAL EMPLOYEES Educational Employee Educational Employee Branch	2222 W. SHAW AVE.	FRESNO	CA
CREDIT UNION OF SOUTHERN CALIFORNIA Credit Union Of Sout Credit Union Of Sout Branch	10 Pointe Dr., Suite 330	Brea	CA
LOGIX Burbank Burbank Branch	2340 N Hollywood Way	Burbank	CA
EDUCATIONAL EMPLOYEES Educational Employee Educational Employee Branch	2222 W. SHAW AVE.	FRESNO	CA
LOGIX Burbank Burbank Branch	2340 N Hollywood Way	Burbank	CA
PATELCO Roseville Roseville Branch	5040 Foothills Blvd	Roseville	CA
WESCOM CENTRAL Wescom Central Wescom Central Branch	123 S Marengo Ave	Pasadena	CA
FARMERS INSURANCE Farmers Insurance Gr Farmers Insurance Gr Branch	4601 Wilshire Blvd	Los Angeles	CA
SAFE North Natomas North Natomas Branch	2200 Del Paso Rd	Sacramento	CA
SAFE North Natomas North Natomas Branch	2200 Del Paso Rd	Sacramento	CA
SAN DIEGO COUNTY San Diego County San Diego County Branch	6545 SEQUENCE DRIVE	SAN DIEGO	CA
SAFE 1 Safe 1 Safe 1 Branch	1400 Mill Rock Way	Bakersfield	CA
PROVIDENT Provident Provident Branch	303 Twin Dolphin Drive	Redwood City	CA
SUNWARD Sandia Laboratory Sandia Laboratory Branch	39 South Livermore Ave, Suite 101	Livermore	CA
SUNWARD Sandia Laboratory Sandia Laboratory Branch	39 South Livermore Ave, Suite 101	Livermore	CA
PACIFIC SERVICE Pacific Service Pacific Service Branch	2850 Shadelands Dr	Walnut Creek	CA
FIRST CITY First City First City Branch	717 W Temple St	Los Angeles	CA
PACIFIC SERVICE Pacific Service Pacific Service Branch	2850 Shadelands Dr	Walnut Creek	CA
EAST COUNTY SCHOOLS Grossmont Schools Grossmont Schools Branch	1069 Graves Avenue Suite 100	El Cajon	CA
COASTHILLS Vandenerg Air Force Base Vandenerg Air Force Base Branch	100 COMMUNITY LOOP	VANDENBERG AFB	CA
CALIFORNIA COAST California Coast California Coast Branch	9201 Spectum Center Boulevard	San Diego	CA
MONTERRA San Mateo San Mateo Branch	350 CONVENTION WAY	REDWOOD CITY	CA
ENERGY ONE Energy One Energy One Branch	10000 Stockdale Hwy, Ste 103	Bakersfield	CA
SAN DIEGO FIREFIGHTERS San Diego Firefighte San Diego Firefighte Branch	4926 La Cuenta Drive	San Diego	CA
LASSEN COUNTY Lassen County Lassen County Branch	2605 RIVERSIDE DR	SUSANVILLE	CA
FIRST CITY First City First City Branch	717 W Temple St	Los Angeles	CA
NOBLE Fresno County Fresno County Branch	2580 W Shaw Lane	Fresno	CA
TOGETHER Anheuser-busch Emplo Anheuser-busch Emplo Branch	2351 N. Watney Way Suite A	Fairfield	CA
SUN COMMUNITY Sun Community Sun Community Branch	1068 Broadway	El Centro	CA
TULARE COUNTY Tulare Corporate Branch Tulare Corporate Branch	300 N K St	Tulare	CA
FIRST IMPERIAL First Imperial First Imperial Branch	1602 West Main Street	El Centro	CA
NOBLE Fresno County Fresno County Branch	2580 W Shaw Lane	Fresno	CA
CERTIFIED Vons Employees Vons Employees Branch	4455 Arden Dr.	El Monte	CA
ENERGY ONE Energy One Energy One Branch	10000 Stockdale Hwy, Ste 103	Bakersfield	CA
KINGS Kings Kings Branch	1415 W Lacey Blvd	Hanford	CA
VALLEY FIRST Valley First Valley First Branch	1005 W ORANGEBURG	MODESTO	CA
OPERATING ENGINEERS LOCAL UNION #3 Operating Engineers Operating Engineers Branch	250 North Canyons Parkway	Livermore	CA
FIRST IMPERIAL First Imperial First Imperial Branch	1602 West Main Street	El Centro	CA
LASSEN COUNTY Lassen County Lassen County Branch	2605 RIVERSIDE DR	SUSANVILLE	CA
CAPSTONE Capstone Capstone Branch	3 POLARIS WAY, SUITE 31B	ALISO VIEJO	CA
LBS FINANCIAL Lbs Financial Lbs Financial Branch	5505 Garden Grove Blvd	Westminster	CA
RIZE Ontario Branch Ontario Branch	975 N Haven Ave	Ontario	CA
SISKIYOU Siskiyou Central Cu Siskiyou Central Cu Branch	845 FOURTH STREET	YREKA	CA
SIERRA CENTRAL Marysville Branch Marysville Branch	422 4th St	Marysville	CA
SUN COMMUNITY Sun Community Sun Community Branch	1068 Broadway	El Centro	CA
SACRAMENTO Sacramento Sacramento Branch	800 H STREET	SACRAMENTO	CA
JUSTICE Justice Justice Branch	9797 Aero Drive	San Diego	CA
FIRST U.S. COMMUNITY First U.s. Community First U.s. Community Branch	580 UNIVERSITY AVE	SACRAMENTO	CA
COASTHILLS Vandenerg Air Force Base Vandenerg Air Force Base Branch	100 COMMUNITY LOOP	VANDENBERG AFB	CA
CALIFORNIA COAST California Coast California Coast Branch	9201 Spectum Center Boulevard	San Diego	CA
SACRAMENTO Sacramento Sacramento Branch	800 H STREET	SACRAMENTO	CA
CHABOT Chabot Chabot Branch	7080 Donlon Way, Ste 100	Dublin	CA
ALTAONE Altaone Altaone Branch	701 S. China Lake	Ridgecrest	CA
SILVERADO Silverado Silverado Branch	1 Angwin Plaza	Angwin	CA
MEDIA CITY Media City Community Media City Community Branch	1020 West Olive Avenue	Burbank	CA
COMMONWEALTH CENTRAL Commonwealth Central Commonwealth Central Branch	5890 SILVER CREEK VALLEY ROAD	SAN JOSE	CA
PASADENA Pasadena Pasadena Branch	1038 South Fair Oaks Avenue	Pasadena	CA
LBS FINANCIAL Lbs Financial Lbs Financial Branch	5505 Garden Grove Blvd	Westminster	CA
SISKIYOU Siskiyou Central Cu Siskiyou Central Cu Branch	845 FOURTH STREET	YREKA	CA
SIERRA CENTRAL Marysville Branch Marysville Branch	422 4th St	Marysville	CA
XCEED FINANCIAL Xceed Financial Xceed Financial Branch	888 NORTH NASH STREET	EL SEGUNDO	CA
1ST NORTHERN CALIFORNIA Martinez Martinez Branch	1111 Pine St	Martinez	CA
ORANGE COUNTY'S Orange County's Orange County's Branch	1701 E. St. Andrew Place	Santa Ana	CA
CABRILLO Carlsbad Branch Carlsbad Branch	5814 Van Allen Way	Carlsbad	CA
JUSTICE Justice Justice Branch	9797 Aero Drive	San Diego	CA
VENTURA COUNTY Ventura County Ventura County Branch	6026 Telephone Road	Ventura	CA
SMW 104 Smw 104 Smw 104 Branch	1750 Abram Ct.	San Leandro	CA
1ST NORTHERN CALIFORNIA Martinez Martinez Branch	1111 Pine St	Martinez	CA
SESLOC Sesloc Sesloc Branch	11491 LOS OSOS VALLEY ROAD	SAN LUIS OBISPO	CA
BAY Bay Bay Branch	3333 CLARES ST	CAPITOLA	CA
GAIN Burbank City Burbank City Branch	1800 W. Magnolia Blvd	Burbank	CA
ALTAONE Altaone Altaone Branch	701 S. China Lake	Ridgecrest	CA
CABRILLO Carlsbad Branch Carlsbad Branch	5814 Van Allen Way	Carlsbad	CA
SMW 104 Smw 104 Smw 104 Branch	1750 Abram Ct.	San Leandro	CA
ORANGE COUNTY'S Orange County's Orange County's Branch	1701 E. St. Andrew Place	Santa Ana	CA
UNITED LOCAL United Local United Local Branch	3650 E Ashlan Ave	Fresno	CA
ALTA VISTA Alta Vista Alta Vista Branch	1425 W. LUGONIA AVE	REDLANDS	CA
LOS ANGELES Los Angeles Los Angeles Branch	300 S Glendale Avenue	Glendale	CA
THE FIRST FINANCIAL West Covina Branch West Covina Branch	2530 E Workman Ave	West Covina	CA
PASADENA Pasadena Pasadena Branch	1038 South Fair Oaks Avenue	Pasadena	CA
UNCLE Uncle Uncle Branch	2100 LAS POSITAS COURT	LIVERMORE	CA
EL MONTE COMMUNITY El Monte City Employ El Monte City Employ Branch	11718 Ramona Blvd	El Monte	CA
PREMIER ONE National 1st National 1st Branch	2999 SAN YSIDRO WY	SANTA CLARA	CA
UNITED LOCAL United Local United Local Branch	3650 E Ashlan Ave	Fresno	CA
LOS ANGELES Los Angeles Los Angeles Branch	300 S Glendale Avenue	Glendale	CA
UME Burbank Community Burbank Community Branch	3000 W. Magnolia Blvd.	Burbank	CA
ARROWHEAD CENTRAL Arrowhead Central Arrowhead Central Branch	550 EAST HOSPITALITY LANE, SUITE #2	SAN BERNARDINO	CA
CLEARPATH Clearpath Clearpath Branch	340 Arden Ave	Glendale	CA
GAIN Burbank City Burbank City Branch	1800 W. Magnolia Blvd	Burbank	CA
AMERICAN UNITED American United Fami American United Fami Branch	49750 Seminole Drive	Cabazon	CA
UME Burbank Community Burbank Community Branch	3000 W. Magnolia Blvd.	Burbank	CA
ARROWHEAD CENTRAL Arrowhead Central Arrowhead Central Branch	550 EAST HOSPITALITY LANE, SUITE #2	SAN BERNARDINO	CA
MEDIA CITY Media City Community Media City Community Branch	1020 West Olive Avenue	Burbank	CA
SAN FRANCISCO FIRE San Francisco Fire San Francisco Fire Branch	3201 California Street	San Francisco	CA
CENTRAL STATE Central State Central State Branch	919 N Center St	Stockton	CA
YOLO Yolo Yolo Branch	266 W Main	Woodland	CA
CENTER CITY COMMUNITY California Agribusin California Agribusin Branch	6281 Beach Blvd., Suite 87	Buena Park	CA
CLEARPATH Clearpath Clearpath Branch	340 Arden Ave	Glendale	CA
ALLUS Monterey County Empl Monterey County Empl Branch	20 W. MARKET STREET	SALINAS	CA
CENTRAL STATE Central State Central State Branch	919 N Center St	Stockton	CA
COOPERATIVE CENTER Cooperative Center Cooperative Center Branch	2001 ASHBY AVE	BERKELEY	CA
PARTNERS 1ST Partners 1st Partners 1st Branch	c/o NXP, 1151 McKay Drive	San Jose	CA
MONTEREY Monterey Monterey Branch	501 E. FRANKLIN AVE	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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PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

NCUA Insurance

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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