California

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Credit Union CD Rates – 4-Year – San Jose, California 2019

Below are four year CD Rates from credit unions in San Jose, California. Four Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

San Jose, CA - December 15, 2019

4 Year CD National Average : 1.31% ?

Advertiser Disclosure
Credit UnionS APY MIN MILES ?
3.02% $75,000 6656.95
American Airlines
Restrictions
2.78% $10,000 6665.99
Thinkwise
Restrictions
2.65% $500 6648.64
2.60% $1,000 6961.76
Southland
Restrictions
2.55% $100,000 6679.64
2.52% $1,000 6656.95
Excite
Restrictions
2.50% $500 6954.23
Premier America
Restrictions
2.45% $100,000 6714.65
Schools Financial
Restrictions
2.45% $1,000 6963.95
Wings Financial
Restrictions
2.43% $100,000 6698.20
Nuvision
Restrictions
2.40% $1,000 6684.66
Unify Financial
Restrictions
2.40% $1,000 6697.05
2.40% $100,000 6704.82
Southland
Restrictions
2.40% $1,000 6679.64
Kinecta
Restrictions
2.40% $100,000 6697.66
Wings Financial
Restrictions
2.37% $10,000 6698.20
Lbs Financial
Restrictions
2.35% $2,500 6685.96
Premier America
Restrictions
2.35% $10,000 6714.65
Eagle Community
Restrictions
2.35% $2,000 6671.20
Technology
Restrictions
2.35% $1,000 6957.25
American United
Restrictions
2.35% $500 6619.31
Schoolsfirst
Restrictions
2.35% $500 6668.55
Sun Community
Restrictions
2.32% $100,000 6530.70
Justice
Restrictions
2.30% $500 6704.38
Kinecta
Restrictions
2.30% $1,000 6697.66
2.30% $10,000 6704.82
First Imperial
Restrictions
2.30% $100,000 6534.32
Ventura County
Restrictions
2.30% $10,000 6747.24
2.28% $500 6920.66
Bay
Restrictions
2.28% $10,000 0.00
Sun Community
Restrictions
2.27% $500 6530.70
Pasadena
Restrictions
2.25% $1,000 6691.29
First Imperial
Restrictions
2.25% $500 6534.32
Ukrainian
Restrictions
2.25% $500 6961.92
Sce
Restrictions
2.25% $1,000 6682.48
Alaska Usa
Restrictions
2.25% $10,000 6657.97
Stanford
Restrictions
2.22% $1,000 6970.33
Energy One
Restrictions
2.20% $1,000 6769.26
Provident
Restrictions
2.16% $1,000 6989.23
2.15% $1,000 6701.10
Orange County's
Restrictions
2.15% $1,000 6666.33
Chevron
Restrictions
2.15% $500 6987.16
Premier One
Restrictions
2.15% $1,000 6962.60
Geico
Restrictions
2.13% $1,000 6606.80
Altura
Restrictions
2.10% $100,000 6643.54
Sacramento
Restrictions
2.07% $1,000 6969.34
South Bay
Restrictions
2.06% $1,000 6696.02
Gain
Restrictions
2.05% $5,000 6701.24
Xceed Financial
Restrictions
2.05% $500 6698.18
Sierra Central
Restrictions
2.02% $500 6978.68
2.00% $5,000 6958.12
2.00% $1,000 6956.62
Altura
Restrictions
2.00% $1,000 6643.54
2.00% $250 6965.99
Edwards
Restrictions
1.97% $1,000 6698.32
American First
Restrictions
1.95% $1,000 6675.88
Patelco
Restrictions
1.95% $1,000 6988.63
Frontwave
Restrictions
1.90% $1,000 6627.97
First City
Restrictions
1.90% $10,000 6694.48
1.90% $500 6949.07
Travis
Restrictions
1.90% $500 6983.33
F & A
Restrictions
1.87% $1,000 6690.06
Point Loma
Restrictions
1.87% $1,000 6609.28
1.87% $10,000 6600.50
Camino
Restrictions
1.87% $2,500 6686.70
Ohio Catholic
Restrictions
1.85% $100,000 -
Mission
Restrictions
1.85% $10,000 6614.06
Cabrillo
Restrictions
1.81% $10,000 6608.37
San Diego County
Restrictions
1.80% $90,000 6613.67
Wescom Central
Restrictions
1.80% $500 6667.08
Uncle
Restrictions
1.76% $5,000 6959.96
San Diego County
Restrictions
1.75% $10,000 6613.67
Media City
Restrictions
1.75% $1,000 6700.68
California Coast
Restrictions
1.75% $10,000 6609.43
Ohio Catholic
Restrictions
1.75% $25,000 -
Baxter
Restrictions
1.75% $500 6697.62
1.71% $1,000 6959.85
Keypoint
Restrictions
1.71% $1,000 6784.14
1.70% $1,000 6664.86
Ohio Catholic
Restrictions
1.65% $500 -
The Golden 1
Restrictions
1.60% $100,000 6962.73
Ume
Restrictions
1.56% $50,000 6701.73
1.55% $10,000 6964.41
The Golden 1
Restrictions
1.55% $10,000 6962.73
Lassen County
Restrictions
1.55% $10,000 6976.96
Safe
Restrictions
1.51% $500 6966.37
Valley First
Restrictions
1.50% $10,000 6921.30
Ume
Restrictions
1.46% $2,000 6701.73
Tulare County
Restrictions
1.46% $1,000 6802.29
1.45% $10,000 6614.32
Logix
Restrictions
1.45% $1,000 6702.65
Los Angeles
Restrictions
1.41% $1,000 6696.55
Pacific Crest
Restrictions
1.40% $10,000 7082.54
Altaone
Restrictions
1.26% $10,000 6704.47
Sesloc
Restrictions
1.16% $1,000 6842.41
Central State
Restrictions
1.10% $10,000 6943.18
Strata
Restrictions
1.05% $1,000 6765.16
Arrowhead Central
Restrictions
1.00% $100,000 6666.11
Arrowhead Central
Restrictions
0.95% $1,000 6666.11
Clearpath
Restrictions
0.90% $10,000 6697.47
Coasthills
Restrictions
0.90% $500 6818.69
Kern Schools
Restrictions
0.85% $1,000 6768.98
Meriwest
Restrictions
0.75% $1,000 6951.75
Yolo
Restrictions
0.75% $10,000 6986.61
Partners 1st
Restrictions
0.72% $500 6961.81
0.45% $1,000 6928.02
0.26% $5,000 6988.26
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 2019

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