Best Credit Union 6 Month CD Rates in Cudahy, California, CA

You are viewing rates from credit unions across Cudahy

Below are the best six month CD Rates from credit unions in Cudahy, California. Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

Cudahy, CA - August 26, 2025

6 Month CD National Average : 0.41% ^?

Credit Unions	APY	MIN	MILES ^?
Cbc Camarillo Branch Restrictions	5.00%	$500	-	Learn More Add Review
Rate History: 4.75% → 5.00% → 5.25% → 5.00%
Community First Ukiah Branch Restrictions	4.75%	$1,000	-	Learn More Add Review
Blupeak Use Credit Union Corporate Headquarters Branch Restrictions	4.75%	$1,000	-	Learn More Add Review
Provident Vital Record Center Branch Restrictions	4.75% 3.75% 3.50%	$1,000 $50,000 $100,000	-	Learn More Add Review
Rate History: 4.50% → 4.75%
Schoolsfirst Santa Ana Branch Restrictions	4.25% 4.20% 4.15% 4.10%	$100,000 $50,000 $20,000 $500	-	Learn More Add Review
Rate History: 3.95% → 4.10% → 4.35% → 4.25%
Spectrum Spectrum Branch	4.25%	$500	-	Learn More Add Review
Technology Campbell Financial Center Branch Restrictions	4.00%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 4.00%
Premier America Corporate Headquarters Branch Restrictions	4.00%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 4.00% → 4.16% → 4.00%
Financial Partners Brea Branch Restrictions	4.00% 3.85%	$100,000 $1,000	-	Learn More Add Review
Chevron Corporate Office - Cfcu Branch Restrictions	3.90%	$500	-	Learn More Add Review
Rate History: 4.25% → 3.90%
Redwood Fourth Street Branch Restrictions	3.75%	$1,000	-	Learn More Add Review
California Glendale Branch Restrictions	3.75%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 3.75%
Star One Main Office - Bordeaux Branch Restrictions	3.75%	$2,500	-	Learn More
Rate History: 3.25% → 3.65% → 3.75%
VD \| Aug 18, 2020 Excellent! Read More Reviews (1)
Northrop Grumman Pacific Point Branch Restrictions	3.66% 3.55%	$40,000 $2,500	-	Learn More Add Review
Rate History: 4.02% → 3.83% → 3.86% → 3.81% → 3.66%
Citizens Equity First Willow Glen Member Center Branch Restrictions	3.56% 3.51%	$100,000 $1,000	-	Learn More Add Review
Rate History: 4.55% → 4.80% → 4.55% → 4.05% → 3.56%
Mission Oberlin Branch Restrictions	3.55% 3.51% 3.45%	$100,000 $10,000 $2,000	-	Learn More Add Review
Rate History: 4.00% → 3.55%
Unify Financial Hawthorne Branch Restrictions	3.50%	$1,000	-	Learn More
dapatton@pacbell.net \| May 12, 2016 19 what, years or months Read More Reviews (1)
Kinecta Kinecta Federal Credit Union Branch Restrictions	3.50% 3.25%	$100,000 $100	-	Learn More
Rate History: 3.25% → 3.50%
BTM1st \| 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 Reviews (2)
L.a. Healthcare California Branch	3.50% 3.00%	$5,000 $1,000	-	Learn More Add Review
First Technology Cupertino Branch Restrictions	3.45%	$500	-	Learn More Add Review
Rate History: 4.50% → 4.25% → 3.75% → 3.50% → 3.45%
Partners Katella Branch Restrictions	3.25%	$1,000	-	Learn More Add Review
Rate History: 4.10% → 4.50% → 3.25%
Credit Union Of Southern California Corporate Office Branch Restrictions	3.20%	$1,000	-	Learn More Add Review
Rate History: 2.70% → 2.85% → 3.00% → 3.20%
The Golden 1 The Golden 1 Credit Union Corporate Office Branch Restrictions	3.15% 3.05%	$100,000 $500	-	Learn More Add Review
Educational Employees Corporate Branch Restrictions	3.14% 3.09% 3.04% 2.99%	$100,000 $50,000 $10,000 $500	-	Learn More Add Review
Farmers Insurance Group Farmers Insurance Group Federal Credit Union Branch Restrictions	2.75%	$1,000	-	Learn More Add Review
Rate History: 3.30% → 3.15% → 3.00% → 2.75%
Wescom Central Ops Center Branch Restrictions	2.50%	$500	-	Learn More Add Review
Rate History: 3.50% → 5.25% → 3.50% → 4.00% → 2.50%
Nuvision Lakewood Branch Restrictions	2.35% 2.30% 2.25% 2.20%	$100,000 $50,000 $25,000 $1,000	-	Learn More Add Review
Logix Burbank Branch Restrictions	2.30% 2.20%	$100,000 $1,000	-	Learn More Add Review
Rate History: 1.45% → 2.20% → 2.30%
Safe Antelope Branch Restrictions	2.27% 1.92%	$25,000 $500	-	Learn More Add Review
Stanford Corporate Office Branch Restrictions	2.27%	$1,000	-	Learn More Add Review
Department of Commerce Restrictions	2.23%	$500	-	Learn More
Rate History: 4.87% → 4.35% → 4.08% → 3.40% → 2.23%
member \| Dec 14, 2022 Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More Reviews (2)
Central Valley Firefighters Fresno Fire Department Credit Union Branch Restrictions	2.01%	$1,000	-	Learn More
Bill and Deanna Hunter \| Dec 3, 2022 You should be embarrassed for the VERY LOW interest you are paying your membership on savings accounts!!! Why would you do to this to your members. Surprised you haven’t been losing these accounts to you... Read More Reviews (1)
Global North Apple Valley Branch Restrictions	2.00%	$10,000	-	Learn More Add Review
Rate History: 2.86% → 5.00% → 4.45% → 4.10% → 2.00%
Patelco Berkeley Branch Restrictions	2.00%	$250	-	Learn More
ceblack9490@comcast.net \| Feb 6, 2023 max. amt. per account thats insured under your ncua? limit on how many accts? Read More Reviews (2)
Baxter Glendale Branch Restrictions	1.60%	$500	-	Learn More Add Review
Rate History: 2.10% → 1.85% → 1.75% → 4.25% → 1.60%
Frontwave Fire Mountain 008 Branch Restrictions	1.50%	$1,000	-	Learn More Add Review
Safeamerica Main Office Branch Restrictions	1.50%	$1,000	-	Learn More Add Review
Safe 1 Main Office Branch Restrictions	1.25%	$1,000	-	Learn More Add Review
San Diego County Operations Center - Administration Building Branch Restrictions	1.00%	$2,000	-	Learn More Add Review
Rate History: 1.60% → 1.70% → 1.00%
Chaffey Rancho Cucamonga Branch Restrictions	0.96%	$10,000	-	Learn More Add Review
Travis Travis Afb Branch Restrictions	0.90%	$500	-	Learn More Add Review
Rate History: 0.90% → 4.50% → 4.25% → 1.00% → 0.90%
Sun Community El Centro Branch Restrictions	0.80%	$100,000	-	Learn More Add Review
F & A F&a Main Branch Restrictions	0.80%	$50,000	-	Learn More Add Review
F & A F&a Main Branch Restrictions	0.75%	$1,000	-	Learn More Add Review
Sun Community El Centro Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Coasthills Lompoc Branch Restrictions	0.70%	$100,000	-	Learn More Add Review
Sandia Laboratory Downtown Livermore Branch Restrictions	0.70%	$100,000	-	Learn More Add Review
Honda Hamilton Office Branch Restrictions	0.70%	$100,000	-	Learn More Add Review
Honda Hamilton Office Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
United Methodist United Methodist Fcu Branch Restrictions	0.65%	$100,000	-	Learn More Add Review
Altura Altura Credit Union - Operation & Technology Center Branch Restrictions	0.65% 0.55%	$100,000 $1,000	-	Learn More Add Review
Rate History: 0.55% → 0.65%
Families And Schools Together Fast Plaza Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Universal City Studios 175 E Olive Avenue Burbank Ca 91502-1823 Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
American First La Habra Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Usc Main Office Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
Energy One Bakersfield Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
First California First California Federal Credit Union Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
Capstone Capstone Federal Credit Union Branch	0.60%	$10,000	-	Learn More Add Review
Justice Wilshire West Branch #8 Restrictions	0.55%	$100,000	-	Learn More Add Review
United Methodist United Methodist Fcu Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
First California First California Federal Credit Union Branch Restrictions	0.55%	$50,000	-	Learn More Add Review
Certified San Diego Branch Restrictions	0.55%	$100,000	-	Learn More Add Review
Media City Media City Community Credit Union Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
Usc Main Office Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Certified San Diego Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Coasthills Lompoc Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Excite Curtner Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Noble Fcfcu Administration Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
Menlo Survey Menlo Survey Fcu Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Sri Main Office Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
San Diego Firefighters San Diego Firefighters Federal Credit Union - Main Office Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
First City Los Angeles Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
Lbs Financial Bixby Knolls Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
Energy One Bakersfield Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Kings Kings Federal Credit Union Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Together Los Angeles Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Siskiyou Central Cu Siskiyou Central Credit Union Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
Southland Los Alamitos Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
Universal City Studios 175 E Olive Avenue Burbank Ca 91502-1823 Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Thinkwise Credit Union Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Ventura County Ventura County Credit Union Branch Restrictions	0.50%	$10,000	-	Learn More
Mark Radner \| Dec 3, 2021 When a Credit Union targets homeless people and steals money from a homeless persons account without their consent is disgusting. I am currently homeles and have noticed unauthorized charges going to my ac... Read More Reviews (2)
Justice Wilshire West Branch #8 Restrictions	0.45%	$10,000	-	Learn More Add Review
Smw 104 Smw 104 Fcu Branch Restrictions	0.45%	$100,000	-	Learn More
Gdanalynn \| Dec 17, 2022 Let me start by saying, this is a garbage institution. They do not carry cash at all. You have to go to another bank to withdraw the cash from your own account. What is the point of having an account here?... Read More Reviews (1)
Pasadena Pasadena Federal Credit Union Branch Restrictions	0.45%	$100,000	-	Learn More Add Review
Sce Irwindale Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Commonwealth Central Corporate Office Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
California Coast Spectrum Center Branch Restrictions	0.45%	$100,000	-	Learn More Add Review
Lbs Financial Bixby Knolls Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Meriwest Corporate Office- San Jose Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Sierra Central Beale Branch Restrictions	0.45%	$100,000	-	Learn More Add Review
Los Angeles Glendale Branch Restrictions	0.45%	$100,000	-	Learn More Add Review
Sacramento H Street Branch Restrictions	0.45%	$100,000	-	Learn More Add Review
Lassen County Lassen County Federal Credit Union Branch Restrictions	0.45%	$100,000	-	Learn More Add Review
Smw 104 Smw 104 Fcu Branch Restrictions	0.40%	$10,000	-	Learn More
Gdanalynn \| Dec 17, 2022 Let me start by saying, this is a garbage institution. They do not carry cash at all. You have to go to another bank to withdraw the cash from your own account. What is the point of having an account here?... Read More Reviews (1)
Ume Main Office Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
Gain 1800 W. Magnolia Blvd Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
East County Schools Main Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
San Diego Firefighters San Diego Firefighters Federal Credit Union - Main Office Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Noble Fcfcu Administration Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Sacramento H Street Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Ukrainian Sacramento Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Siskiyou Central Cu Siskiyou Central Credit Union Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Merco Merced Main Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Operating Engineers Local Union #3 Admin Offices Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Lassen County Lassen County Federal Credit Union Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Premier Community Administration Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
Silverado Silverado Home Office Branch Restrictions	0.40%	$1,000	-	Learn More Add Review
First U.s. Community Watt Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
South Bay Redondo Beach Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
San Mateo 350 Convention Way Branch Restrictions	0.40%	$10,000	-	Learn More
Evelyn Navarro \| Aug 21, 2020 What is San Mateo's SWIFT code? Read More Reviews (1)
Southland Los Alamitos Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Xceed Financial Head Office Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
First Entertainment First Entertainment Credit Union Branch Restrictions	0.40%	$10,000	-	Learn More
CalWritet \| Feb 6, 2024 During my membership with First Entertainment Credit Union, I experienced a less than optimal situation. The treatment I received as an employee was unsatisfactory, characterized by managerial inefficiency... Read More Reviews (1)
Los Angeles Glendale Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
1st Northern California Martinez Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
Eagle Community Garden Grove Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
First City Los Angeles Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Chabot Chabot Fcu Branch Restrictions	0.40%	$500	-	Learn More Add Review
Sandia Laboratory Downtown Livermore Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Geico San Diego Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Keypoint Goleta Branch Restrictions	0.35%	$10,000	-	Learn More
mjohnellis \| Nov 4, 2018 HSA account only earns .25% on any balance. Read More Reviews (1)
First U.s. Community Watt Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Orange County's Orange County's Cu Branch Restrictions	0.35%	$100,000	-	Learn More Add Review
La Financial Corporate Office Branch Restrictions	0.35%	$100,000	-	Learn More Add Review
Cabrillo Federal Building Branch Restrictions	0.35%	$100,000	-	Learn More Add Review
Sierra Central Beale Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Eagle Community Garden Grove Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Pasadena Pasadena Federal Credit Union Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Clearpath Main Branch Restrictions	0.35%	$100,000	-	Learn More Add Review
First Imperial Brawley Branch Restrictions	0.35%	$100,000	-	Learn More Add Review
Uncle Main Office Branch Restrictions	0.33%	$10,000	-	Learn More Add Review
Rancho Downey Branch Restrictions	0.32%	$10,000	-	Learn More Add Review
Mypoint Kearny Mesa Main Office Branch Restrictions	0.31%	$10,000	-	Learn More Add Review
Airco Airco Fcu Branch	0.30%	$10,000	-	Learn More Add Review
Ume Main Office Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
El Monte Community Main Office Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Gain 1800 W. Magnolia Blvd Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
American United 1st Californian Branch Restrictions	0.30%	$500	-	Learn More Add Review
California Coast Spectrum Center Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Strata Branch 1 Main Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
First Imperial Brawley Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Edwards Edwards Afb Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Media City Media City Community Credit Union Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Arrowhead Central Chino Branch Restrictions	0.30%	$100,000	-	Learn More Add Review
Tucoemas Cypress Branch Restrictions	0.30%	$100,000	-	Learn More Add Review
1st United Services Main Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Trugrocer Los Angeles Branch Restrictions	0.30%	$100,000	-	Learn More Add Review
Cabrillo Federal Building Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Orange County's Orange County's Cu Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Bay Live Oak Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Premier One Santa Clara Branch Restrictions	0.25%	$1,000	-	Learn More Add Review
Arrowhead Central Chino Branch Restrictions	0.25%	$1,000	-	Learn More Add Review
Trugrocer Los Angeles Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Desert Valleys Desert Valleys Branch Restrictions	0.25%	$100,000	-	Learn More Add Review
Clearpath Main Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Altaone Corporate Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Desert Valleys Desert Valleys Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
La Financial Corporate Office Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Sesloc Branch 1 Restrictions	0.20%	$10,000	-	Learn More Add Review
Santa Clara County Corporate Center Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
San Francisco Fire Main Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Pacific Service Concord Branch Restrictions	0.20%	$100,000	-	Learn More Add Review
United Local United Local Credit Union Branch Restrictions	0.20%	$100,000	-	Learn More Add Review
Tucoemas Cypress Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Valley First Orangeburg Branch Restrictions	0.18%	$10,000	-	Learn More Add Review
California Agribusiness Buena Park Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Alta Vista Lugonia Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Premier Community Administration Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Tulare County Tulare Corporate Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Pacific Service Concord Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Heritage Community Headquarters Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Yolo Woodland Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
United Local United Local Credit Union Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Camino Montebello Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
The First Financial First Financial Credit Union Branch	0.15%	$10,000	-	Learn More Add Review
Mokelumne Mills Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Self-help Riverbank Branch Restrictions	0.15%	$500	-	Learn More
northcape5 \| Sep 27, 2016 why have you not updated your rates Read More Reviews (1)
Cooperative Center Main Branch Restrictions	0.11%	$10,000	-	Learn More Add Review
Partners 1st Partners 1st Fcu, Br. 57 Branch Restrictions	0.10%	$10,000	-	Learn More Add Review
Allus Salinas Branch	0.10%	$10,000	-	Learn More Add Review
Monterey Monterey Credit Union Branch Restrictions	0.10%	$10,000	-	Learn More Add Review
Pacific Crest Dorris Branch Restrictions	0.07%	$100,000	-	Learn More Add Review
Pacific Crest Dorris Branch Restrictions	0.05%	$10,000	-	Learn More Add Review
Edu Restrictions	0.01%	$500	-	Learn More Add Review

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 zip 10116

Branch	Street	City	State
OCEANAIR Camarillo Branch Camarillo Branch	300 Arneill Rd	Camarillo	CA
COMMUNITY FIRST Ukiah Ukiah Branch	526 S State St	Ukiah	CA
BLUPEAK Use Credit Union Corporate Headquarters Use Credit Union Corporate Headquarters Branch	10120 Pacific Heights Blvd Ste 100	San Diego	CA
PROVIDENT Vital Record Center Vital Record Center Branch	514 Eccles Ave	South San Francisco	CA
SCHOOLSFIRST Santa Ana Santa Ana Branch	2115 N Broadway	Santa Ana	CA
SPECTRUM Spectrum Spectrum Branch	315 Montgomery St, Second Fl	San Francisco	CA
SCHOOLSFIRST Santa Ana Santa Ana Branch	2115 N Broadway	Santa Ana	CA
SCHOOLSFIRST Santa Ana Santa Ana Branch	2115 N Broadway	Santa Ana	CA
SCHOOLSFIRST Santa Ana Santa Ana Branch	2115 N Broadway	Santa Ana	CA
TECHNOLOGY Campbell Financial Center Campbell Financial Center Branch	1562 S Bascom Ave	San Jose	CA
PREMIER AMERICA Corporate Headquarters Corporate Headquarters Branch	19867 Prairie St	Chatsworth	CA
FINANCIAL PARTNERS Brea Brea Branch	2435 E Imperial Hwy Ste F	Brea	CA
CHEVRON Corporate Office - Cfcu Corporate Office - Cfcu Branch	500 12th St Ste 200	Oakland	CA
FINANCIAL PARTNERS Brea Brea Branch	2435 E Imperial Hwy Ste F	Brea	CA
REDWOOD Fourth Street Branch Fourth Street Branch	2763 4th St	Santa Rosa	CA
CALIFORNIA Glendale Glendale Branch	701 N BRAND BLVD	GLENDALE	CA
STAR ONE Main Office - Bordeaux Main Office - Bordeaux Branch	1306 Bordeaux Dr	Sunnyvale	CA
PROVIDENT Vital Record Center Vital Record Center Branch	514 Eccles Ave	South San Francisco	CA
NORTHROP GRUMMAN Pacific Point Pacific Point Branch	879 W 190th St	Gardena	CA
CITIZENS EQUITY FIRST Willow Glen Member Center Willow Glen Member Center Branch	670 Lincoln Ave	San Jose	CA
MISSION Oberlin Oberlin Branch	5785 Oberlin Dr	San Diego	CA
NORTHROP GRUMMAN Pacific Point Pacific Point Branch	879 W 190th St	Gardena	CA
MISSION Oberlin Oberlin Branch	5785 Oberlin Dr	San Diego	CA
CITIZENS EQUITY FIRST Willow Glen Member Center Willow Glen Member Center Branch	670 Lincoln Ave	San Jose	CA
UNIFY FINANCIAL Hawthorne Hawthorne Branch	14500 Aviation Blvd	Hawthorne	CA
KINECTA Kinecta Federal Credit Union Kinecta Federal Credit Union Branch	1440 Rosecrans Ave	Manhattan Beach	CA
L.A. HEALTHCARE California Branch California Branch	1423 S Grand Ave Ste 200	Los Angeles	CA
PROVIDENT Vital Record Center Vital Record Center Branch	514 Eccles Ave	South San Francisco	CA
MISSION Oberlin Oberlin Branch	5785 Oberlin Dr	San Diego	CA
FIRST TECHNOLOGY Cupertino Branch Cupertino Branch	19960 Stevens Creek Blvd	Cupertino	CA
KINECTA Kinecta Federal Credit Union Kinecta Federal Credit Union Branch	1440 Rosecrans Ave	Manhattan Beach	CA
PARTNERS Katella Branch Katella Branch	2401 E Katella Ave	Anaheim	CA
CREDIT UNION OF SOUTHERN CALIFORNIA Corporate Office Corporate Office Branch	8101 E Kaiser Blvd Fl 3	Anaheim	CA
THE GOLDEN 1 The Golden 1 Credit Union Corporate Office The Golden 1 Credit Union Corporate Office Branch	8945 Cal Center Dr	Sacramento	CA
EDUCATIONAL EMPLOYEES Corporate Corporate Branch	2222 W Shaw Ave	Fresno	CA
EDUCATIONAL EMPLOYEES Corporate Corporate Branch	2222 W Shaw Ave	Fresno	CA
THE GOLDEN 1 The Golden 1 Credit Union Corporate Office The Golden 1 Credit Union Corporate Office Branch	8945 Cal Center Dr	Sacramento	CA
EDUCATIONAL EMPLOYEES Corporate Corporate Branch	2222 W Shaw Ave	Fresno	CA
L.A. HEALTHCARE California Branch California Branch	1423 S Grand Ave Ste 200	Los Angeles	CA
EDUCATIONAL EMPLOYEES Corporate Corporate Branch	2222 W Shaw Ave	Fresno	CA
FARMERS INSURANCE Farmers Insurance Group Federal Credit Union Farmers Insurance Group Federal Credit Union Branch	87 W Alexander Ave	Merced	CA
WESCOM CENTRAL Ops Center Ops Center Branch	5601 E La Palma Ave	Anaheim	CA
NUVISION Lakewood Branch Lakewood Branch	2660 Carson St	LAKEWOOD	CA
NUVISION Lakewood Branch Lakewood Branch	2660 Carson St	LAKEWOOD	CA
LOGIX Burbank Burbank Branch	2340 N Hollywood Way	Burbank	CA
SAFE Antelope Antelope Branch	7887 Walerga Rd	Antelope	CA
STANFORD Corporate Office Corporate Office Branch	1860 Embarcadero Rd	Palo Alto	CA
NUVISION Lakewood Branch Lakewood Branch	2660 Carson St	LAKEWOOD	CA
LOGIX Burbank Burbank Branch	2340 N Hollywood Way	Burbank	CA
NUVISION Lakewood Branch Lakewood Branch	2660 Carson St	LAKEWOOD	CA
CENTRAL VALLEY FIREFIGHTERS Fresno Fire Department Credit Union Fresno Fire Department Credit Union Branch	5300 N FRESNO ST	FRESNO	CA
GLOBAL North Apple Valley Branch North Apple Valley Branch	15961 Apple Valley Rd	Apple Valley	CA
PATELCO Berkeley Berkeley Branch	2033 Shattuck Ave	Berkeley	CA
SAFE Antelope Antelope Branch	7887 Walerga Rd	Antelope	CA
BAXTER Glendale Glendale Branch	4501 Colorado Blvd	Los Angeles	CA
FRONTWAVE Fire Mountain 008 Fire Mountain 008 Branch	2454 Vista Way	Oceanside	CA
SAFEAMERICA Main Office Main Office Branch	6001 Gibraltar Dr	Pleasanton	CA
SAFE 1 Main Office Main Office Branch	1400 Mill Rock Way	Bakersfield	CA
SAN DIEGO COUNTY Operations Center - Administration Building Operations Center - Administration Building Branch	6545 Sequence Dr	San Diego	CA
CHAFFEY Rancho Cucamonga Rancho Cucamonga Branch	9679 Baseline Rd	Rancho Cucamonga	CA
TRAVIS Travis Afb Branch Travis Afb Branch	659 Skymaster Cir	Travis AFB	CA
SUN COMMUNITY El Centro Branch El Centro Branch	1068 Broadway Ave	El Centro	CA
F & A F&a Main F&a Main Branch	2625 CORPORATE Pl	MONTEREY PARK	CA
F & A F&a Main F&a Main Branch	2625 CORPORATE Pl	MONTEREY PARK	CA
SUN COMMUNITY El Centro Branch El Centro Branch	1068 Broadway Ave	El Centro	CA
COASTHILLS Lompoc Branch Lompoc Branch	1320 N H St	Lompoc	CA
SUNWARD Downtown Livermore Downtown Livermore Branch	39 S Livermore Ave Ste 101	Livermore	CA
HONDA Hamilton Office Hamilton Office Branch	19701 Hamilton Ave ste 130	Torrance	CA
HONDA Hamilton Office Hamilton Office Branch	19701 Hamilton Ave ste 130	Torrance	CA
INTERFAITH United Methodist Fcu United Methodist Fcu Branch	9040 Benson Ave	Montclair	CA
ALTURA Altura Credit Union - Operation & Technology Center Altura Credit Union - Operation & Technology Center Branch	2847 Campus Pkwy	Riverside	CA
FAMILIES AND SCHOOLS TOGETHER Fast Plaza Fast Plaza Branch	312 W 7th St	Hanford	CA
UNIVERSAL CITY STUDIOS 175 E Olive Avenue Burbank Ca 91502-1823 175 E Olive Avenue Burbank Ca 91502-1823 Branch	175 E Olive Ave	Burbank	CA
AMERICAN FIRST La Habra La Habra Branch	700 N Harbor Blvd	La Habra	CA
USC Main Office Main Office Branch	3720 S Flower St FL 4	Los Angeles	CA
ENERGY ONE Bakersfield Bakersfield Branch	10000 Stockdale Hwy	Bakersfield	CA
FIRST CALIFORNIA First California Federal Credit Union First California Federal Credit Union Branch	2525 E Shields Ave	Fresno	CA
CAPSTONE Capstone Federal Credit Union Capstone Federal Credit Union Branch	3 POLARIS WAY STE 31B	ALISO VIEJO	CA
JUSTICE Wilshire West Branch #8 Wilshire West Branch #8	11000 Wilshire Blvd	Los Angeles	CA
INTERFAITH United Methodist Fcu United Methodist Fcu Branch	9040 Benson Ave	Montclair	CA
FIRST CALIFORNIA First California Federal Credit Union First California Federal Credit Union Branch	2525 E Shields Ave	Fresno	CA
CERTIFIED San Diego Branch San Diego Branch	3550 Murphy Canyon Rd	San Diego	CA
ALTURA Altura Credit Union - Operation & Technology Center Altura Credit Union - Operation & Technology Center Branch	2847 Campus Pkwy	Riverside	CA
MEDIA CITY Media City Community Credit Union Media City Community Credit Union Branch	1020 W Olive Ave	Burbank	CA
USC Main Office Main Office Branch	3720 S Flower St FL 4	Los Angeles	CA
CERTIFIED San Diego Branch San Diego Branch	3550 Murphy Canyon Rd	San Diego	CA
COASTHILLS Lompoc Branch Lompoc Branch	1320 N H St	Lompoc	CA
EXCITE Curtner Curtner Branch	265 Curtner Ave	San Jose	CA
NOBLE Fcfcu Administration Fcfcu Administration Branch	2580 W Shaw Ln	Fresno	CA
MENLO SURVEY Menlo Survey Fcu Menlo Survey Fcu Branch	345 Middlefield Rd	Menlo Park	CA
SRI Main Office Main Office Branch	333 RAVENSWOOD AVE	MENLO PARK	CA
SAN DIEGO FIREFIGHTERS San Diego Firefighters Federal Credit Union - Main Office San Diego Firefighters Federal Credit Union - Main Office Branch	4926 La Cuenta Dr	San Diego	CA
FIRST CITY Los Angeles Los Angeles Branch	717 W Temple St	Los Angeles	CA
LBS FINANCIAL Bixby Knolls Bixby Knolls Branch	4436 Atlantic Ave	Long Beach	CA
ENERGY ONE Bakersfield Bakersfield Branch	10000 Stockdale Hwy	Bakersfield	CA
KINGS Kings Federal Credit Union Kings Federal Credit Union Branch	1415 W Lacey Blvd	Hanford	CA
TOGETHER Los Angeles Los Angeles Branch	15804 Roscoe Blvd	Van Nuys	CA
SISKIYOU Siskiyou Central Credit Union Siskiyou Central Credit Union Branch	845 4th St	Yreka	CA
SOUTHLAND Los Alamitos Branch Los Alamitos Branch	10701 Los Alamitos Blvd	Los Alamitos	CA
UNIVERSAL CITY STUDIOS 175 E Olive Avenue Burbank Ca 91502-1823 175 E Olive Avenue Burbank Ca 91502-1823 Branch	175 E Olive Ave	Burbank	CA
THINKWISE Credit Union Credit Union Branch	2441 N Sierra Way	San Bernardino	CA
VENTURA COUNTY Ventura County Credit Union Ventura County Credit Union Branch	6026 Telephone Rd	Ventura	CA
JUSTICE Wilshire West Branch #8 Wilshire West Branch #8	11000 Wilshire Blvd	Los Angeles	CA
SMW 104 Smw 104 Fcu Smw 104 Fcu Branch	1750 Abram Ct	San Leandro	CA
PASADENA Pasadena Federal Credit Union Pasadena Federal Credit Union Branch	1038 S Fair Oaks Ave	Pasadena	CA
RIZE Irwindale Branch Irwindale Branch	12701 Schabarum Ave	Irwindale	CA
COMMONWEALTH CENTRAL Corporate Office Corporate Office Branch	5890 Silver Creek Valley Rd	San Jose	CA
CALIFORNIA COAST Spectrum Center Spectrum Center Branch	9201 Spectrum Center Blvd	San Diego	CA
LBS FINANCIAL Bixby Knolls Bixby Knolls Branch	4436 Atlantic Ave	Long Beach	CA
MERIWEST Corporate Office- San Jose Corporate Office- San Jose Branch	5615 Chesbro Ave	San Jose	CA
SIERRA CENTRAL Beale Branch Beale Branch	17602 25th Street	Beale AFB	CA
LOS ANGELES Glendale Glendale Branch	300 S Glendale Ave	Glendale	CA
SACRAMENTO H Street Branch H Street Branch	800 H St	Sacramento	CA
LASSEN COUNTY Lassen County Federal Credit Union Lassen County Federal Credit Union Branch	2605 Riverside Dr	Susanville	CA
SMW 104 Smw 104 Fcu Smw 104 Fcu Branch	1750 Abram Ct	San Leandro	CA
UME Main Office Main Office Branch	3000 W Magnolia Blvd	Burbank	CA
GAIN 1800 W. Magnolia Blvd 1800 W. Magnolia Blvd Branch	1800 W Magnolia Blvd	Burbank	CA
EAST COUNTY SCHOOLS Main Main Branch	1069 Graves Ave Ste 100	El Cajon	CA
SAN DIEGO FIREFIGHTERS San Diego Firefighters Federal Credit Union - Main Office San Diego Firefighters Federal Credit Union - Main Office Branch	4926 La Cuenta Dr	San Diego	CA
NOBLE Fcfcu Administration Fcfcu Administration Branch	2580 W Shaw Ln	Fresno	CA
SACRAMENTO H Street Branch H Street Branch	800 H St	Sacramento	CA
UKRAINIAN Sacramento Branch Sacramento Branch	6029 San Juan Ave	Citrus Heights	CA
SISKIYOU Siskiyou Central Credit Union Siskiyou Central Credit Union Branch	845 4th St	Yreka	CA
MERCO Merced Main Merced Main Branch	1911 M ST	Merced	CA
OPERATING ENGINEERS LOCAL UNION #3 Admin Offices Admin Offices Branch	250 N Canyons Pkwy	Livermore	CA
LASSEN COUNTY Lassen County Federal Credit Union Lassen County Federal Credit Union Branch	2605 Riverside Dr	Susanville	CA
PREMIER COMMUNITY Administration Administration Branch	3315 W Benjamin Holt Dr	Stockton	CA
SILVERADO Silverado Home Office Silverado Home Office Branch	PO Box 330	Angwin	CA
FIRST U.S. COMMUNITY Watt Branch Watt Branch	2150 Watt Ave	Sacramento	CA
SOUTH BAY Redondo Beach Redondo Beach Branch	312 N Pacific Coast Hwy	Redondo Beach	CA
MONTERRA 350 Convention Way 350 Convention Way Branch	350 Convention Way	Redwood City	CA
SOUTHLAND Los Alamitos Branch Los Alamitos Branch	10701 Los Alamitos Blvd	Los Alamitos	CA
XCEED FINANCIAL Head Office Head Office Branch	888 N Nash St	El Segundo	CA
FIRST ENTERTAINMENT First Entertainment Credit Union First Entertainment Credit Union Branch	6735 Forest Lawn Dr	Hollywood	CA
LOS ANGELES Glendale Glendale Branch	300 S Glendale Ave	Glendale	CA
1ST NORTHERN CALIFORNIA Martinez Martinez Branch	1111 Pine St	Martinez	CA
EAGLE COMMUNITY Garden Grove Branch Garden Grove Branch	12934 Harbor Blvd	Garden Grove	CA
FIRST CITY Los Angeles Los Angeles Branch	717 W Temple St	Los Angeles	CA
CHABOT Chabot Fcu Chabot Fcu Branch	7080 DONLON WAY STE 100	DUBLIN	CA
SUNWARD Downtown Livermore Downtown Livermore Branch	39 S Livermore Ave Ste 101	Livermore	CA
GEICO San Diego San Diego Branch	14111 Danielson St	Poway	CA
KEYPOINT Goleta Branch Goleta Branch	7062 Market Place Dr	Goleta	CA
FIRST U.S. COMMUNITY Watt Branch Watt Branch	2150 Watt Ave	Sacramento	CA
ORANGE COUNTY'S Orange County's Cu Orange County's Cu Branch	1701 E Saint Andrew Pl	Santa Ana	CA
LA FINANCIAL Corporate Office Corporate Office Branch	1520 W Colorado Blvd	Pasadena	CA
CABRILLO Federal Building Federal Building Branch	880 Front St	San Diego	CA
SIERRA CENTRAL Beale Branch Beale Branch	17602 25th Street	Beale AFB	CA
EAGLE COMMUNITY Garden Grove Branch Garden Grove Branch	12934 Harbor Blvd	Garden Grove	CA
PASADENA Pasadena Federal Credit Union Pasadena Federal Credit Union Branch	1038 S Fair Oaks Ave	Pasadena	CA
CLEARPATH Main Branch Main Branch	340 Arden Ave	Glendale	CA
FIRST IMPERIAL Brawley Branch Brawley Branch	409 W Main St	Brawley	CA
UNCLE Main Office Main Office Branch	2100 LAS POSITAS CT	LIVERMORE	CA
RANCHO Downey Downey Branch	12620 Erickson Ave Ste H	Downey	CA
MYPOINT Kearny Mesa Main Office Kearny Mesa Main Office Branch	9420 Farnham St	San Diego	CA
AIRCO Airco Fcu Airco Fcu Branch	6265 San Fernando RD	Glendale	CA
UME Main Office Main Office Branch	3000 W Magnolia Blvd	Burbank	CA
EL MONTE COMMUNITY Main Office Main Office Branch	11718 Ramona Blvd	El Monte	CA
GAIN 1800 W. Magnolia Blvd 1800 W. Magnolia Blvd Branch	1800 W Magnolia Blvd	Burbank	CA
AMERICAN UNITED 1st Californian 1st Californian Branch	47993 Morongo Trl	Cabazon	CA
CALIFORNIA COAST Spectrum Center Spectrum Center Branch	9201 Spectrum Center Blvd	San Diego	CA
STRATA Branch 1 Main Branch Branch 1 Main Branch	1717 Truxtun Ave	Bakersfield	CA
FIRST IMPERIAL Brawley Branch Brawley Branch	409 W Main St	Brawley	CA
EDWARDS Edwards Afb Branch Edwards Afb Branch	10 S Muroc Dr	Edwards	CA
MEDIA CITY Media City Community Credit Union Media City Community Credit Union Branch	1020 W Olive Ave	Burbank	CA
ARROWHEAD CENTRAL Chino Chino Branch	12099 Central Ave	Chino	CA
TUCOEMAS Cypress Cypress Branch	5222 W Cypress Ave	Visalia	CA
1ST UNITED Main Main Branch	5901 Gibraltar Dr	Pleasanton	CA
TRUGROCER Los Angeles Los Angeles Branch	341 Imperial Hwy	Fullerton	CA
CABRILLO Federal Building Federal Building Branch	880 Front St	San Diego	CA
ORANGE COUNTY'S Orange County's Cu Orange County's Cu Branch	1701 E Saint Andrew Pl	Santa Ana	CA
BAY Live Oak Live Oak Branch	5300 Soquel Ave Ste 201	Santa Cruz	CA
PREMIER ONE Santa Clara Santa Clara Branch	2999 SAN YSIDRO WAY	SANTA CLARA	CA
ARROWHEAD CENTRAL Chino Chino Branch	12099 Central Ave	Chino	CA
TRUGROCER Los Angeles Los Angeles Branch	341 Imperial Hwy	Fullerton	CA
DESERT VALLEYS Desert Valleys Desert Valleys Branch	100 E ward	Ridgecrest	CA
CLEARPATH Main Branch Main Branch	340 Arden Ave	Glendale	CA
ALTAONE Corporate Corporate Branch	701 S China Lake Blvd	Ridgecrest	CA
DESERT VALLEYS Desert Valleys Desert Valleys Branch	100 E ward	Ridgecrest	CA
LA FINANCIAL Corporate Office Corporate Office Branch	1520 W Colorado Blvd	Pasadena	CA
SESLOC Branch 1 Branch 1	3807 BROAD ST	SAN LUIS OBISPO	CA
MIRASTAR Corporate Center Corporate Center Branch	1641 N 1st ST Ste 245	San Jose	CA
SAN FRANCISCO FIRE Main Branch Main Branch	3201 California St	San Francisco	CA
PACIFIC SERVICE Concord Concord Branch	3000 Clayton Rd	Concord	CA
UNITED LOCAL United Local Credit Union United Local Credit Union Branch	3650 E Ashlan Ave	Fresno	CA
TUCOEMAS Cypress Cypress Branch	5222 W Cypress Ave	Visalia	CA
VALLEY FIRST Orangeburg Orangeburg Branch	1005 W Orangeburg Ave	Modesto	CA
CENTER CITY COMMUNITY Buena Park Branch Buena Park Branch	6281 Beach Blvd Ste 87	Buena Park	CA
ALTA VISTA Lugonia Branch Lugonia Branch	1425 W LUGONIA AVE	REDLANDS	CA
PREMIER COMMUNITY Administration Administration Branch	3315 W Benjamin Holt Dr	Stockton	CA
TULARE COUNTY Tulare Corporate Branch Tulare Corporate Branch	300 N K St	Tulare	CA
PACIFIC SERVICE Concord Concord Branch	3000 Clayton Rd	Concord	CA
HERITAGE COMMUNITY Headquarters Headquarters Branch	10415 Old Placerville Rd	Sacramento	CA
YOLO Woodland Woodland Branch	266 W Main St	Woodland	CA
UNITED LOCAL United Local Credit Union United Local Credit Union Branch	3650 E Ashlan Ave	Fresno	CA
CAMINO Montebello Montebello Branch	520 N Taylor Ave	Montebello	CA
THE FIRST FINANCIAL First Financial Credit Union First Financial Credit Union Branch	1600 W Cameron Ave	West Covina	CA
MOKELUMNE Mills Mills Branch	531 N Mills Ave	Lodi	CA
SELF-HELP Riverbank Riverbank Branch	2256 Patterson Rd	Riverbank	CA
COOPERATIVE CENTER Main Branch Main Branch	2001 Ashby Ave	Berkeley	CA
PARTNERS 1ST Partners 1st Fcu, Br. 57 Partners 1st Fcu, Br. 57 Branch	c/o NXP	San Jose	CA
ALLUS Salinas Branch Salinas Branch	1410 N Main St	Salinas	CA
MONTEREY Monterey Credit Union Monterey Credit Union Branch	2600 Garden Rd	MONTEREY	CA
PACIFIC CREST Dorris Branch Dorris Branch	201 W Third Street	Dorris	CA
PACIFIC CREST Dorris Branch Dorris Branch	201 W Third Street	Dorris	CA

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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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PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

NCUA Insurance

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

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)?

SAVINGS & CD CALCULATOR

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