California

Image Courtesy: www.pixabay.com

Credit Union CD Rates – 5-Year – Lake Forest, California

You are viewing rates from credit unions across Lake Forest





Below are 5 year CD Rates from credit unions that are located in Lake Forest, California. Five Year Certificates of Deposit (CD) are generally the longest term CD that most credit unions will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.

Lake Forest, CA - July 16, 2025

5 Year CD National Average : 0.92% ?

Credit Unions APY MIN MILES ?

4.50%

$1,000

20.44

Learn More

Rate History: 4.45% → 4.60% → 4.75% → 4.50% → 4.40%

Rate History: 3.14% → 4.07%

| Jun 12, 2017

five star......great location...fast service Read More

3.90%

3.80%

$100,000

$500

23.60

Learn More

Rate History: 3.45% → 3.65% → 3.70%

Rate History: 2.20% → 2.00% → 1.95% → 1.90% → 3.60%

Rate History: 0.50% → 3.85% → 3.55% → 4.05% → 3.55%

| 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

Rate History: 3.95% → 3.85% → 3.50%

3.40%

3.25%

$100,000

$1,000

17.46

Learn More

| May 12, 2016

19 what, years or months Read More

Rate History: 4.40% → 4.00% → 3.75% → 3.50% → 3.00%

| 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

Rate History: 2.25% → 2.00% → 1.75%

Rate History: 1.25% → 1.35%

1.35%

$100,000

19.09

Learn More

1.30%

$100,000

16.07

Learn More

1.30%

$1,000

19.09

Learn More

1.25%

$100,000

9.02

Learn More

1.20%

$10,000

22.19

Learn More

Sce

Sce Branch
Restrictions

1.20%

$10,000

12.16

Learn More

1.20%

$10,000

16.07

Learn More

1.15%

$10,000

9.02

Learn More

1.15%

$100,000

20.42

Learn More

1.10%

$10,000

15.24

Learn More

1.06%

$100,000

22.88

Learn More

1.01%

$10,000

20.42

Learn More

1.00%

$10,000

4.23

Learn More

1.00%

$10,000

9.87

Learn More

1.00%

$10,000

22.88

Learn More

0.95%

$10,000

22.94

Learn More

0.85%

$100,000

14.50

Learn More

0.75%

$10,000

14.50

Learn More

Edu


Restrictions

0.40%

$500

-

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 Lake Forest, CA - July 16, 2025


Branch Street City State
FRONTWAVE
Camp Pendleton Camp Pendleton Branch
MCX Complex, Building CU - 1105 Camp Pendleton CA
SCHOOLSFIRST
Cypress Cypress Branch
6828 Katella Ave Cypress CA
SCHOOLSFIRST
Cypress Cypress Branch
6828 Katella Ave Cypress CA
SCHOOLSFIRST
Cypress Cypress Branch
6828 Katella Ave Cypress CA
SCHOOLSFIRST
Cypress Cypress Branch
6828 Katella Ave Cypress CA
AMERICAN AIRLINES
Aafcu - Sna Aafcu - Sna Branch
18017 Sky Park Cir Ste A Irvine CA
THE GOLDEN 1
The Golden 1 The Golden 1 Branch
15046 S. Euclid Avenue Chino CA
THE GOLDEN 1
The Golden 1 The Golden 1 Branch
15046 S. Euclid Avenue Chino CA
PARTNERS
Partners Partners Branch
700 W. Ball Road Anaheim CA
PARTNERS
Partners Partners Branch
700 W. Ball Road Anaheim CA
BAXTER
Brea Brea Branch
250 S Kraemer Blvd Brea CA
PARTNERS
Partners Partners Branch
700 W. Ball Road Anaheim CA
NAVY FEDERAL CREDIT UNION
Fountain Valley Fountain Valley Branch
18709 Brookhurst St Fountain Valley CA
NAVY FEDERAL CREDIT UNION
Fountain Valley Fountain Valley Branch
18709 Brookhurst St Fountain Valley CA
CHEVRON
Br#5 Brea Br#5 Brea Branch
145 S State College Blvd Brea CA
CHEVRON
Br#5 Brea Br#5 Brea Branch
145 S State College Blvd Brea CA
FINANCIAL PARTNERS
Financial Partners Financial Partners Branch
16468 Beach Blvd. Westminster CA
UNIFY FINANCIAL
Western Western Branch
7801 Edinger Ave Huntington Beach CA
UNIFY FINANCIAL
Western Western Branch
7801 Edinger Ave Huntington Beach CA
NUVISION
Bldg 11 Branch Bldg 11 Branch
5301 Bolsa Ave HUNTINGTON BEACH CA
FINANCIAL PARTNERS
Financial Partners Financial Partners Branch
16468 Beach Blvd. Westminster CA
NUVISION
Bldg 11 Branch Bldg 11 Branch
5301 Bolsa Ave HUNTINGTON BEACH CA
NUVISION
Bldg 11 Branch Bldg 11 Branch
5301 Bolsa Ave HUNTINGTON BEACH CA
NUVISION
Bldg 11 Branch Bldg 11 Branch
5301 Bolsa Ave HUNTINGTON BEACH CA
UNIFY FINANCIAL
Western Western Branch
7801 Edinger Ave Huntington Beach CA
AMERICAN AIRLINES
Aafcu - Sna Aafcu - Sna Branch
18017 Sky Park Cir Ste A Irvine CA
WESCOM CENTRAL
Wescom Central Wescom Central Branch
8880 Valley View Street Buena Park CA
KINECTA
Westminster Westminster Branch
540 Westminster Mall Westminster CA
KINECTA
Westminster Westminster Branch
540 Westminster Mall Westminster CA
SAN DIEGO COUNTY
Branch 26 Laguna Niguel Branch 26 Laguna Niguel
32341 Golden Lantern Ste A Laguna Niguel CA
ALTURA
Altura Altura Branch
2331 Compton Ave Corona CA
ARROWHEAD CENTRAL
Arrowhead Central Arrowhead Central Branch
1030 Hamner Avenue Suite D Norco CA
SOUTHLAND
Garden Grove Branch Garden Grove Branch
12860 Euclid St Garden Grove CA
ARROWHEAD CENTRAL
Arrowhead Central Arrowhead Central Branch
1030 Hamner Avenue Suite D Norco CA
USC
Orange County Relationship Center Orange County Relationship Center Branch
2272 Michelson Dr Ste 102 Irvine CA
ALTURA
Altura Altura Branch
2331 Compton Ave Corona CA
AMERICAN FIRST
Buena Park Buena Park Branch
6011 Lincoln Ave Ste B Buena Park CA
RIZE
Sce Sce Branch
5000 Pacific Coast Highway San Clemente CA
SOUTHLAND
Garden Grove Branch Garden Grove Branch
12860 Euclid St Garden Grove CA
USC
Orange County Relationship Center Orange County Relationship Center Branch
2272 Michelson Dr Ste 102 Irvine CA
LBS FINANCIAL
Westminster Westminster Branch
5505 Garden Grove Blvd Westminster CA
EAGLE COMMUNITY
Eagle Community Eagle Community Branch
12934 Harbor Blvd. Garden Grove CA
TRUGROCER
Trugrocer Trugrocer Branch
341 E. Imperial Highway Fullerton CA
LBS FINANCIAL
Westminster Westminster Branch
5505 Garden Grove Blvd Westminster CA
CAPSTONE
Capstone Federal Credit Union Capstone Federal Credit Union Branch
3 POLARIS WAY STE 31B ALISO VIEJO CA
THE FIRST FINANCIAL
Brea Branch Brea Branch
1001 E Imperial Hwy Ste A Brea CA
TRUGROCER
Trugrocer Trugrocer Branch
341 E. Imperial Highway Fullerton CA
CENTER CITY COMMUNITY
Yamaha Buena Park Yamaha Buena Park Branch
6600 Orangethorpe Ave Buena Park CA
ORANGE COUNTY'S
Orange County's Cu Orange County's Cu Branch
18287 Brookhurst St Fountain Valley CA
ORANGE COUNTY'S
Orange County's Cu Orange County's Cu Branch
18287 Brookhurst St Fountain Valley 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

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates