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San Jose, California Credit Union CD Rates – 3 Month 2017

Below are the best three month CD Rates in San Jose, 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.

San Jose, CA - November 24, 2017

CD National Average : 0.20% ?

Credit Union APY MIN MILES ?
1.01% $500 -
Chevron
Restrictions
1.00% $500 -
0.65% $100,000 -
0.60% $10,000 -
Wings Financial
Restrictions
0.60% $90,000 -
Wings Financial
Restrictions
0.55% $10,000 -
Unify Financial
Restrictions
0.55% $100,000 -
0.50% $500 -
Lbs Financial
Restrictions
0.50% $1,000 -
Sierra Central
Restrictions
0.50% $500 -
Schoolsfirst
Restrictions
0.50% $500 -
Unify Financial
Restrictions
0.45% $1,000 -
Baxter
Restrictions
0.45% $500 -
Altura
Restrictions
0.45% $100,000 -
Lassen County
Restrictions
0.45% $100,000 -
Kings
Restrictions
0.45% $10,000 -
Chabot
Restrictions
0.45% $5,000 -
0.40% $10,000 -
0.40% $500 -
Altura
Restrictions
0.40% $1,000 -
0.40% $100,000 -
California
Restrictions
0.40% $10,000 -
Kinecta
Restrictions
0.40% $100,000 -
Usc
Restrictions
0.40% $1,000 -
Sce
Restrictions
0.40% $1,000 -
First Imperial
Restrictions
0.35% $100,000 -
American First
Restrictions
0.35% $1,000 -
Premier America
Restrictions
0.35% $10,000 -
0.35% $1,000 -
Kinecta
Restrictions
0.35% $1,000 -
0.30% $1,000 -
First Imperial
Restrictions
0.30% $500 -
Alaska Usa
Restrictions
0.30% $10,000 -
Justice
Restrictions
0.30% $500 -
Smw 104
Restrictions
0.28% $1,000 -
0.25% $1,000 -
Eagle Community
Restrictions
0.25% $2,000 -
Clearpath
Restrictions
0.25% $10,000 -
Technology
Restrictions
0.25% $1,000 -
0.25% $1,000 -
Redwood
Restrictions
0.25% $100,000 -
Logix
Restrictions
0.25% $1,000 -
San Diego County
Restrictions
0.25% $90,000 -
Self-help
Restrictions
0.25% $500 -
The Golden 1
Restrictions
0.25% $100,000 -
Noble
Restrictions
0.25% $10,000 -
Safe
Restrictions
0.25% $500 -
Wescom Central
Restrictions
0.25% $500 -
Patelco
Restrictions
0.25% $1,000 -
0.25% $2,000 -
0.20% $10,000 -
0.20% $500 -
Mission
Restrictions
0.20% $10,000 -
California Coast
Restrictions
0.20% $10,000 -
San Diego County
Restrictions
0.20% $10,000 -
0.20% $1,000 -
Redwood
Restrictions
0.20% $10,000 -
Silverado
Restrictions
0.20% $1,000 -
Kern
Restrictions
0.20% $1,000 -
Safe 1
Restrictions
0.20% $1,000 -
Los Angeles
Restrictions
0.20% $1,000 -
Alliance
Restrictions
0.20% $500 -
0.20% $10,000 -
0.20% $1,000 -
Arrowhead Central
Restrictions
0.15% $100,000 -
The Golden 1
Restrictions
0.15% $10,000 -
Point Loma
Restrictions
0.15% $1,000 -
Pasadena
Restrictions
0.15% $10,000 -
Lassen County
Restrictions
0.15% $10,000 -
Bay
Restrictions
0.15% $10,000 -
0.15% $10,000 -
Ventura County
Restrictions
0.15% $10,000 -
0.15% $2,000 -
Partners
Restrictions
0.15% $1,000 -
Pacific Service
Restrictions
0.15% $1,000 -
0.15% $250 -
Rancho
Restrictions
0.13% $1,000 -
Central Coast
Restrictions
0.10% $1,000 -
Arrowhead Central
Restrictions
0.10% $1,000 -
Partners 1st
Restrictions
0.10% $500 -
Coasthills
Restrictions
0.10% $500 -
Inova
Restrictions
0.10% $200 -
San Mateo
Restrictions
0.10% $2,000 -
Stanford
Restrictions
0.10% $10,000 -
Premier One
Restrictions
0.10% $1,000 -
Uncle
Restrictions
0.08% $1,500 -
Scient
Restrictions
0.05% $500 -
0.05% $500 -
La Financial
Restrictions
0.05% $10,000 -
Monterey
Restrictions
0.05% $10,000 -
Community First
Restrictions
0.05% $10,000 -

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 2017

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” and 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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