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Credit Union CD Rates – 3-Month – Los Angeles, California 2018

Below are the best three month CD Rates in Los Angeles, California, CA from hundreds of credit unions. Three month CD rates are generally the shortest term offered by credit unions and come with the lowest interest rates. You may want to consider opening a 3 month CD if the rates are comparable to a savings and money market account, you don’t need the money for the timeperiod, and you feel that savings rates will drop.

Los Angeles, CA - November 19, 2018

CD National Average : 0.37% ?

Advertiser Disclosure
Credit UnionS APY MIN MILES ?
Chevron
Restrictions
1.95% $500 6987.16
Stanford
Restrictions
1.66% $1,000 6970.33
Technology
Restrictions
1.25% $1,000 6957.25
1.15% $2,000 6607.67
Unify Financial
Restrictions
1.11% $100,000 6697.05
Wings Financial
Restrictions
1.11% $90,000 6698.20
Kinecta
Restrictions
1.05% $100,000 6697.66
Wings Financial
Restrictions
1.05% $10,000 6698.20
1.01% $500 6920.66
Schools Financial
Restrictions
1.00% $1,000 6963.95
Kinecta
Restrictions
1.00% $1,000 6697.66
Unify Financial
Restrictions
1.00% $1,000 6697.05
Sierra Central
Restrictions
1.00% $500 6978.68
Sce
Restrictions
1.00% $1,000 6682.48
Schoolsfirst
Restrictions
0.95% $500 6668.55
0.95% $100,000 6704.82
Lbs Financial
Restrictions
0.90% $1,000 6685.96
Usc
Restrictions
0.85% $1,000 6695.10
0.85% $1,000 6656.95
Premier America
Restrictions
0.85% $10,000 6714.65
0.85% $10,000 6704.82
Sacramento
Restrictions
0.80% $1,000 6969.34
American First
Restrictions
0.75% $1,000 6675.88
Baxter
Restrictions
0.75% $500 6697.62
0.75% $500 6679.57
0.65% $100,000 6885.96
California
Restrictions
0.65% $10,000 6697.24
Nuvision
Restrictions
0.65% $1,000 6684.66
0.60% $1,000 6672.01
Thinkwise
Restrictions
0.60% $500 6648.64
Kings
Restrictions
0.60% $10,000 6821.05
0.60% $1,000 6956.62
San Diego County
Restrictions
0.60% $90,000 6613.67
0.55% $1,000 6961.76
San Diego County
Restrictions
0.55% $10,000 6613.67
Logix
Restrictions
0.55% $1,000 6702.65
Patelco
Restrictions
0.50% $1,000 6988.63
Wescom Central
Restrictions
0.50% $500 6667.08
0.50% $500 6700.47
Pasadena
Restrictions
0.50% $10,000 6691.29
0.50% $1,000 6885.96
Altura
Restrictions
0.50% $100,000 6643.54
Pacific Service
Restrictions
0.45% $1,000 6979.30
Partners
Restrictions
0.45% $1,000 6670.24
Alaska Usa
Restrictions
0.45% $10,000 6657.97
Point Loma
Restrictions
0.45% $1,000 6609.28
0.45% $10,000 6600.50
Altura
Restrictions
0.45% $1,000 6643.54
Mission
Restrictions
0.45% $10,000 6614.06
Lassen County
Restrictions
0.45% $10,000 6976.96
0.40% $500 6949.07
Keypoint
Restrictions
0.40% $1,000 6784.14
The Golden 1
Restrictions
0.40% $100,000 6962.73
Noble
Restrictions
0.40% $10,000 6841.85
0.40% $10,000 6614.32
0.35% $500 6958.12
0.35% $1,000 6959.85
Safe
Restrictions
0.35% $500 6966.37
0.35% $10,000 6964.41
First Imperial
Restrictions
0.35% $100,000 6534.32
Tulare County
Restrictions
0.35% $1,000 6802.29
Chabot
Restrictions
0.35% $5,000 6968.14
San Mateo
Restrictions
0.30% $2,000 6976.96
Justice
Restrictions
0.30% $500 6704.38
The Golden 1
Restrictions
0.30% $10,000 6962.73
First Imperial
Restrictions
0.30% $500 6534.32
Los Angeles
Restrictions
0.30% $1,000 6696.55
Smw 104
Restrictions
0.28% $1,000 6979.72
Rancho
Restrictions
0.27% $1,000 6686.84
Redwood
Restrictions
0.25% $10,000 7024.47
Eagle Community
Restrictions
0.25% $2,000 6671.20
Clearpath
Restrictions
0.25% $10,000 6697.47
0.20% $250 6995.27
Coasthills
Restrictions
0.20% $100,000 6818.69
Kern
Restrictions
0.20% $1,000 6765.16
Safe 1
Restrictions
0.20% $1,000 6768.12
Silverado
Restrictions
0.20% $1,000 7015.94
0.20% $1,000 6664.86
California Coast
Restrictions
0.20% $10,000 6609.43
Alliance
Restrictions
0.20% $500 6954.23
Monterey
Restrictions
0.15% $10,000 6935.30
Cabrillo
Restrictions
0.15% $10,000 6608.37
Ventura County
Restrictions
0.15% $10,000 6747.24
Arrowhead Central
Restrictions
0.15% $100,000 6666.11
Bay
Restrictions
0.15% $10,000 0.00
La Financial
Restrictions
0.15% $10,000 6693.11
Premier One
Restrictions
0.10% $1,000 6962.60
Arrowhead Central
Restrictions
0.10% $1,000 6666.11
Coasthills
Restrictions
0.10% $500 6818.69
Central Coast
Restrictions
0.10% $1,000 6934.70
Partners 1st
Restrictions
0.10% $500 6961.81
Yolo
Restrictions
0.10% $10,000 6986.61
Uncle
Restrictions
0.08% $1,500 6959.96
All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2018

Credit union certificates of deposit (“CDs”, also commonly called “time depositst 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. {hyperlink: https://www.bestcashcow.com/articles/can-you-always-withdraw-your-money-early-from-a-cd-9178}

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  {insert hyperlink} in order to understand the importance of compounding interest at higher rates on your money over time.

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