California

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Credit Union CD Rates – 3-Year – West Covina, California

You are viewing rates from credit unions across West Covina

 

Below are three year CD Rates from credit unions in West Covina, California. Three years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.

West Covina, CA - July 6, 2025

3 Year CD National Average : 0.75% ?

Credit Unions APY MIN MILES ?

| Sep 27, 2016

why have you not updated your rates Read More

Rate History: 4.35% → 4.50% → 4.60% → 4.35% → 4.30%

Rate History: 4.23% → 4.28% → 4.23% → 4.17% → 3.81%

3.70%

3.60%

$100,000

$500

16.57

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Rate History: 3.75% → 3.95% → 3.55%

Rate History: 4.20% → 4.10% → 3.50%

Rate History: 2.50% → 3.70% → 3.45% → 3.35%

Rate History: 4.10% → 4.00% → 3.50% → 3.40% → 3.25%

3.15%

3.00%

$100,000

$1,000

15.16

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Rate History: 4.00% → 3.75% → 3.30% → 2.95% → 3.00%

| May 12, 2016

19 what, years or months Read More

| Apr 19, 2021

Anyone is better than dealing with these guys! It's amazing how they work. And I've had loans off and on for 30 years. Their website and support are horrible. Their ability to track and appropriatel... Read More

1.16%

$100,000

3.27

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1.11%

$50,000

12.10

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1.11%

$100,000

23.78

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1.10%

$100,000

16.32

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1.06%

$1,000

12.10

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1.05%

$100,000

18.71

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1.00%

$10,000

3.27

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1.00%

$10,000

23.78

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1.00%

$10,000

16.32

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1.00%

$10,000

4.04

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0.95%

$10,000

16.95

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Rate History: 0.85% → 0.95%

0.95%

$100,000

12.84

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0.95%

$10,000

18.71

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Sce

Sce Branch
Restrictions

0.95%

$10,000

17.45

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0.95%

$100,000

11.96

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0.90%

$100,000

10.41

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0.90%

$100,000

20.56

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0.85%

$10,000

12.84

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0.85%

$10,000

8.14

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0.85%

$10,000

18.59

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0.85%

$100,000

18.14

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0.85%

$10,000

11.96

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0.80%

$10,000

20.56

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0.75%

$10,000

4.84

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0.75%

$10,000

10.41

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0.75%

$100,000

13.78

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0.70%

$100,000

21.93

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0.70%

$10,000

18.64

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0.70%

$10,000

18.14

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0.65%

$100,000

13.41

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0.60%

$10,000

15.15

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0.60%

$1,000

13.41

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0.60%

$100,000

23.38

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0.60%

$10,000

21.93

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0.55%

$10,000

23.38

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0.50%

$10,000

9.76

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0.45%

$10,000

13.78

Learn More
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 West Covina, CA - July 6, 2025


Branch Street City State
SELF-HELP
El Monte El Monte Branch
10918 Valley Blvd El Monte CA
SCHOOLSFIRST
Glendale Usd Loan District And Service Center Glendale Usd Loan District And Service Center Branch
223 N Jackson St Glendale CA
SCHOOLSFIRST
Glendale Usd Loan District And Service Center Glendale Usd Loan District And Service Center Branch
223 N Jackson St Glendale CA
SCHOOLSFIRST
Glendale Usd Loan District And Service Center Glendale Usd Loan District And Service Center Branch
223 N Jackson St Glendale CA
SCHOOLSFIRST
Glendale Usd Loan District And Service Center Glendale Usd Loan District And Service Center Branch
223 N Jackson St Glendale CA
NORTHROP GRUMMAN
Northrop Grumman Northrop Grumman Branch
879 W. 190th Street Gardena CA
THE GOLDEN 1
Los Angeles Los Angeles Branch
320 W 4th St Ste 123 Los Angeles CA
NORTHROP GRUMMAN
Northrop Grumman Northrop Grumman Branch
879 W. 190th Street Gardena CA
THE GOLDEN 1
Los Angeles Los Angeles Branch
320 W 4th St Ste 123 Los Angeles CA
PARTNERS
Gc3 Branch Gc3 Branch
1201 Flower St Glendale CA
PARTNERS
Gc3 Branch Gc3 Branch
1201 Flower St Glendale CA
CHEVRON
Br#5 Brea Br#5 Brea Branch
145 S State College Blvd Brea CA
PARTNERS
Gc3 Branch Gc3 Branch
1201 Flower St Glendale CA
CHEVRON
Br#5 Brea Br#5 Brea Branch
145 S State College Blvd Brea CA
LOGIX
Lockheed Lockheed Branch
180 S. Lake Ave Pasadena CA
LOGIX
Lockheed Lockheed Branch
180 S. Lake Ave Pasadena CA
BAXTER
Baxter Baxter Branch
4501 Colorado Blvd Los Angeles CA
CALIFORNIA
California California Branch
420 North Rosenell Terrace Los Angeles CA
FINANCIAL PARTNERS
Financial Partners Financial Partners Branch
7800 E. Imperial Highway Downey CA
CREDIT UNION OF SOUTHERN CALIFORNIA
Alhambra Branch Alhambra Branch
900 S Fremont Ave Alhambra CA
WESCOM CENTRAL
Wescom Central Wescom Central Branch
626 Wilshire Blvd Los Angeles CA
FINANCIAL PARTNERS
Financial Partners Financial Partners Branch
7800 E. Imperial Highway Downey CA
UNIFY FINANCIAL
Western Western Branch
Northrop Grumman, 1800 Glenn Curtiss St, Bldg DH3 Carson CA
UNIFY FINANCIAL
Western Western Branch
Northrop Grumman, 1800 Glenn Curtiss St, Bldg DH3 Carson CA
KINECTA
Kinecta Kinecta Branch
1009 W Martin Luther King Jr Blvd Los Angeles CA
UNIFY FINANCIAL
Western Western Branch
Northrop Grumman, 1800 Glenn Curtiss St, Bldg DH3 Carson CA
NUVISION
Nuvision Nuvision Branch
555 W. Fifth St., 17th Floor Los Angeles CA
NUVISION
Nuvision Nuvision Branch
555 W. Fifth St., 17th Floor Los Angeles CA
NUVISION
Nuvision Nuvision Branch
555 W. Fifth St., 17th Floor Los Angeles CA
NUVISION
Nuvision Nuvision Branch
555 W. Fifth St., 17th Floor Los Angeles CA
KINECTA
Kinecta Kinecta Branch
1009 W Martin Luther King Jr Blvd Los Angeles CA
CHAFFEY
Chaffey Chaffey Branch
210 N First St La Puente CA
F & A
F & A F & A Branch
2625 CORPORATE PLACE MONTEREY PARK CA
HONDA
Honda Honda Branch
19701 Hamilton Ave., Ste 130 Torrance CA
SOUTHLAND
Southland Southland Branch
200 S Spring St Los Angeles CA
F & A
F & A F & A Branch
2625 CORPORATE PLACE MONTEREY PARK CA
USC
Campus Center Branch (university Park Campus) Campus Center Branch (university Park Campus)
3601 Trousdale Pkwy Ste 106 Los Angeles CA
CHAFFEY
Chaffey Chaffey Branch
210 N First St La Puente CA
HONDA
Honda Honda Branch
19701 Hamilton Ave., Ste 130 Torrance CA
SOUTHLAND
Southland Southland Branch
200 S Spring St Los Angeles CA
EAGLE COMMUNITY
City Of Industry Branch City Of Industry Branch
15421 E Gale Ave City of Industry CA
AMERICAN FIRST
Buena Park Buena Park Branch
6011 Lincoln Ave Ste B Buena Park CA
ALTURA
Altura Altura Branch
16035 Robin Way City of Industry CA
INTERFAITH
United Methodist United Methodist Branch
5405 E Arrow Hwy Suite 104 Montclair CA
USC
Campus Center Branch (university Park Campus) Campus Center Branch (university Park Campus)
3601 Trousdale Pkwy Ste 106 Los Angeles CA
RIZE
Sce Sce Branch
3200 Mulford Avenue Lynwood CA
PASADENA
Pasadena Pasadena Branch
1038 South Fair Oaks Avenue Pasadena CA
TRUGROCER
Trugrocer Trugrocer Branch
341 E. Imperial Highway Fullerton CA
LBS FINANCIAL
Lbs Financial Lbs Financial Branch
4436 Atlantic Ave Long Beach CA
ALTURA
Altura Altura Branch
16035 Robin Way City of Industry CA
INTERFAITH
United Methodist United Methodist Branch
5405 E Arrow Hwy Suite 104 Montclair CA
CERTIFIED
Vons Employees Vons Employees Branch
618 Michillinda Arcadia CA
THE FIRST FINANCIAL
Lakewood Branch Lakewood Branch
4018 Hardwick ST Lakewood CA
CLEARPATH
Clearpath Clearpath Branch
340 Arden Ave Glendale CA
PASADENA
Pasadena Pasadena Branch
1038 South Fair Oaks Avenue Pasadena CA
LBS FINANCIAL
Lbs Financial Lbs Financial Branch
4436 Atlantic Ave Long Beach CA
EL MONTE COMMUNITY
El Monte City Employ El Monte City Employ Branch
11333 Valley Blvd El Monte CA
TRUGROCER
Trugrocer Trugrocer Branch
341 E. Imperial Highway Fullerton CA
LA FINANCIAL
La Financial La Financial Branch
1520 W Colorado Blvd Pasadena CA
ORANGE COUNTY'S
Orange County's Orange County's Branch
1800 Ximeno Ave Ste. 101C Long Beach CA
RANCHO
Rancho Rancho Branch
630 Shatto Pl. Los Angeles CA
CLEARPATH
Clearpath Clearpath Branch
340 Arden Ave Glendale CA
ARROWHEAD CENTRAL
Arrowhead Central Arrowhead Central Branch
12099 Central Avenue Chino CA
CENTER CITY COMMUNITY
Yamaha Buena Park Yamaha Buena Park Branch
6600 Orangethorpe Ave Buena Park CA
ARROWHEAD CENTRAL
Arrowhead Central Arrowhead Central Branch
12099 Central Avenue Chino CA
LOS ANGELES
Los Angeles Los Angeles Branch
1352 W Artesia Blvd Gardena CA
ORANGE COUNTY'S
Orange County's Orange County's Branch
1800 Ximeno Ave Ste. 101C Long Beach CA
LOS ANGELES
Los Angeles Los Angeles Branch
1352 W Artesia Blvd Gardena CA
CAMINO
Montebello Montebello Branch
520 N Taylor Ave Montebello CA
LA FINANCIAL
La Financial La Financial Branch
1520 W Colorado Blvd Pasadena CA


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 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.

SAVINGS & CD CALCULATOR

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