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Credit Union CD Rates Huntington Beach, California 2020

Below are the best one year CD Rates from credit unions in Huntington Beach, California. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

Huntington Beach, CA - June 3, 2020

1 Year CD National Average : 0.51% ?

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Credit Unions APY MIN MILES ?
Honda
Restrictions
2.02% $100,000 6691.40 Learn More
F & A
Restrictions
1.82% $50,000 6690.06 Learn More
Chaffey
Restrictions
1.76% $10,000 6663.55 Learn More
F & A
Restrictions
1.71% $1,000 6690.06 Learn More
Honda
Restrictions
1.71% $10,000 6691.40 Learn More
Sun Community
Restrictions
1.66% $100,000 6530.70 Learn More
Provident
Restrictions
1.61% $100,000 6989.23 Learn More
1.55% $100,000 6704.82 Learn More
Schoolsfirst
Restrictions
1.55% $100,000 6668.55 Learn More
Schools Financial
Restrictions
1.55% $100,000 6963.95 Learn More
1.50% $10,000 6704.82 Learn More
Smw 104
Restrictions
1.50% $50,000 6979.72 Learn More
Sun Community
Restrictions
1.46% $500 6530.70 Learn More
Trugrocer
Restrictions
1.46% $10,000 6675.08 Learn More
American Airlines
Restrictions
1.46% $10,000 6665.99 Learn More
Smw 104
Restrictions
1.45% $1,000 6979.72 Learn More
Chevron
Restrictions
1.45% $100,000 6987.16 Learn More
Provident
Restrictions
1.41% $1,000 6989.23 Learn More
Sandia Laboratory
Restrictions
1.40% $100,000 6959.25 Learn More
Sce
Restrictions
1.40% $1,000 6682.48 Learn More
Schoolsfirst
Restrictions
1.40% $500 6668.55 Learn More
Chevron
Restrictions
1.40% $500 6987.16 Learn More
California
Restrictions
1.40% $10,000 6697.24 Learn More
Schools Financial
Restrictions
1.40% $500 6963.95 Learn More
Premier America
Restrictions
1.40% $100,000 6714.65 Learn More
1.36% $100,000 6841.41 Learn More
Thinkwise
Restrictions
1.35% $500 6648.64 Learn More
Certified
Restrictions
1.35% $95,000 6608.20 Learn More
1.35% $50,000 7110.71 Learn More
American First
Restrictions
1.35% $1,000 6675.88 Learn More
First City
Restrictions
1.35% $50,000 6694.48 Learn More
1.31% $500 6920.66 Learn More
Premier America
Restrictions
1.30% $10,000 6714.65 Learn More
1.26% $10,000 6600.50 Learn More
1.26% $10,000 6841.41 Learn More
Gain
Restrictions
1.25% $100,000 6701.24 Learn More
Alaska Usa
Restrictions
1.25% $10,000 6657.97 Learn More
1.25% $10,000 7110.71 Learn More
Technology
Restrictions
1.25% $1,000 6957.25 Learn More
Excite
Restrictions
1.25% $500 6954.23 Learn More
Star One
Restrictions
1.25% $2,500 6964.73 Learn More
1.23% $1,000 6839.10 Learn More
Tulare County
Restrictions
1.21% $1,000 6802.29 Learn More
1.21% $100,000 6959.85 Learn More
1.21% $100,000 6985.69 Learn More
Pasadena
Restrictions
1.20% $100,000 6691.29 Learn More
Sandia Laboratory
Restrictions
1.20% $1,000 6959.25 Learn More
Certified
Restrictions
1.20% $1,000 6608.20 Learn More
Altura
Restrictions
1.20% $100,000 6643.54 Learn More
Usc
Restrictions
1.20% $50,001 6695.10 Learn More
1.16% $100,000 6885.96 Learn More
First California
Restrictions
1.16% $100,000 6838.23 Learn More
Kinecta
Restrictions
1.15% $100,000 6697.66 Learn More
Orange County's
Restrictions
1.15% $100,000 6666.33 Learn More
Lbs Financial
Restrictions
1.15% $90,000 6685.96 Learn More
First City
Restrictions
1.15% $10,000 6694.48 Learn More
F & A
Restrictions
1.11% $1,000 6690.06 Learn More
Stanford
Restrictions
1.11% $1,000 6970.33 Learn More
Wings Financial
Restrictions
1.11% $100,000 6698.20 Learn More
1.11% $10,000 6985.69 Learn More
Energy One
Restrictions
1.10% $100,000 6769.26 Learn More
Pasadena
Restrictions
1.10% $1,000 6691.29 Learn More
Kinecta
Restrictions
1.10% $1,000 6697.66 Learn More
Geico
Restrictions
1.10% $1,000 6606.80 Learn More
Partners
Restrictions
1.10% $100,000 6670.24 Learn More
Altura
Restrictions
1.10% $1,000 6643.54 Learn More
Usc
Restrictions
1.10% $1,000 6695.10 Learn More
Point Loma
Restrictions
1.06% $1,000 6609.28 Learn More
Wings Financial
Restrictions
1.06% $10,000 6698.20 Learn More
First Imperial
Restrictions
1.05% $100,000 6534.32 Learn More
Nuvision
Restrictions
1.04% $100,000 6684.66 Learn More
Lbs Financial
Restrictions
1.01% $2,500 6685.96 Learn More
Menlo Survey
Restrictions
1.01% $2,000 6973.21 Learn More
Energy One
Restrictions
1.00% $1,000 6769.26 Learn More
1.00% $1,000 6885.96 Learn More
Logix
Restrictions
1.00% $100,000 6702.65 Learn More
Unify Financial
Restrictions
1.00% $100,000 6697.05 Learn More
1.00% $10,000 6607.67 Learn More
1.00% $1,000 6961.76 Learn More
1.00% $500 6958.12 Learn More
1.00% $1,000 6710.06 Learn More
1.00% $50,000 6700.47 Learn More
Keypoint
Restrictions
1.00% $1,000 6784.14 Learn More
Wescom Central
Restrictions
1.00% $500 6667.08 Learn More
First Imperial
Restrictions
1.00% $500 6534.32 Learn More
Valley First
Restrictions
1.00% $10,000 6921.30 Learn More
Orange County's
Restrictions
1.00% $1,000 6666.33 Learn More
Travis
Restrictions
1.00% $500 6983.33 Learn More
1.00% $1,000 6664.86 Learn More
Ventura County
Restrictions
1.00% $10,000 6747.24 Learn More
Frontwave
Restrictions
1.00% $1,000 6627.97 Learn More
1.00% $100,000 6995.27 Learn More
Sacramento
Restrictions
0.95% $100,000 6969.34 Learn More
San Mateo
Restrictions
0.95% $1,000 6976.96 Learn More
0.95% $250 6995.27 Learn More
0.90% $1,000 6677.56 Learn More
Los Angeles
Restrictions
0.90% $100,000 6696.55 Learn More
Logix
Restrictions
0.90% $1,000 6702.65 Learn More
Sri
Restrictions
0.90% $1,000 6973.50 Learn More
Unify Financial
Restrictions
0.90% $1,000 6697.05 Learn More
First California
Restrictions
0.90% $10,000 6838.23 Learn More
0.90% $10,000 6614.32 Learn More
0.90% $500 6949.07 Learn More
Sacramento
Restrictions
0.90% $1,000 6969.34 Learn More
0.90% $500 6700.47 Learn More
Meriwest
Restrictions
0.90% $1,000 6951.75 Learn More
Southland
Restrictions
0.90% $100,000 6679.64 Learn More
Silverado
Restrictions
0.90% $1,000 7015.94 Learn More
Nuvision
Restrictions
0.89% $1,000 6684.66 Learn More
Lassen County
Restrictions
0.85% $100,000 6976.96 Learn More
Edwards
Restrictions
0.85% $1,000 6698.32 Learn More
First Technology
Restrictions
0.85% $50,000 6962.45 Learn More
Alta Vista
Restrictions
0.85% $1,000 6642.99 Learn More
Cabrillo
Restrictions
0.85% $10,000 6608.37 Learn More
Pacific Service
Restrictions
0.85% $100,000 6979.30 Learn More
Patelco
Restrictions
0.85% $1,000 6988.63 Learn More
0.80% $5,000 6698.95 Learn More
Los Angeles
Restrictions
0.80% $1,000 6696.55 Learn More
0.80% $1,000 6656.95 Learn More
Ukrainian
Restrictions
0.80% $500 6961.92 Learn More
Kings
Restrictions
0.80% $10,000 6821.05 Learn More
Mission
Restrictions
0.80% $100,000 6614.06 Learn More
Chabot
Restrictions
0.80% $5,000 6968.14 Learn More
Noble
Restrictions
0.80% $100,000 6841.85 Learn More
San Diego County
Restrictions
0.80% $90,000 6613.67 Learn More
Southland
Restrictions
0.80% $1,000 6679.64 Learn More
Kinecta
Restrictions
0.75% $1,000 6697.66 Learn More
United Methodist
Restrictions
0.75% $100,000 6667.10 Learn More
0.75% $2,500 6820.16 Learn More
Mission
Restrictions
0.75% $10,000 6614.06 Learn More
First Technology
Restrictions
0.75% $500 6962.45 Learn More
Xceed Financial
Restrictions
0.75% $500 6698.18 Learn More
Noble
Restrictions
0.75% $10,000 6841.85 Learn More
Redwood
Restrictions
0.75% $10,000 7024.47 Learn More
San Diego County
Restrictions
0.75% $10,000 6613.67 Learn More
The Golden 1
Restrictions
0.75% $100,000 6962.73 Learn More
Uncle
Restrictions
0.75% $1,500 6959.96 Learn More
Premier Community
Restrictions
0.75% $50,000 6947.40 Learn More
Merco
Restrictions
0.75% $2,500 6886.30 Learn More
Sierra Central
Restrictions
0.75% $100,000 6978.68 Learn More
Pacific Service
Restrictions
0.75% $1,000 6979.30 Learn More
0.75% $10,000 6964.41 Learn More
Media City
Restrictions
0.75% $100,000 6700.68 Learn More
Coasthills
Restrictions
0.75% $500 6818.69 Learn More
Justice
Restrictions
0.70% $100,000 6704.38 Learn More
La Financial
Restrictions
0.70% $100,000 6693.11 Learn More
Ohio Catholic
Restrictions
0.70% $100,000 - Learn More
Self-help
Restrictions
0.70% $500 6920.66 Learn More
The Golden 1
Restrictions
0.70% $10,000 6962.73 Learn More
Safe
Restrictions
0.70% $25,000 6966.37 Learn More
Lassen County
Restrictions
0.65% $10,000 6976.96 Learn More
Gain
Restrictions
0.65% $5,000 6701.24 Learn More
Ume
Restrictions
0.65% $50,000 6701.73 Learn More
Altaone
Restrictions
0.65% $50,000 6704.47 Learn More
United Methodist
Restrictions
0.65% $5,000 6667.10 Learn More
Ohio Catholic
Restrictions
0.65% $25,000 - Learn More
Sierra Central
Restrictions
0.65% $500 6978.68 Learn More
South Bay
Restrictions
0.65% $1,000 6696.02 Learn More
Justice
Restrictions
0.60% $500 6704.38 Learn More
Rancho
Restrictions
0.60% $1,000 6686.84 Learn More
Camino
Restrictions
0.60% $2,500 6686.70 Learn More
Altaone
Restrictions
0.60% $10,000 6704.47 Learn More
American United
Restrictions
0.60% $500 6619.31 Learn More
Ohio Catholic
Restrictions
0.60% $500 - Learn More
Partners
Restrictions
0.60% $1,000 6670.24 Learn More
Safe
Restrictions
0.60% $500 6966.37 Learn More
Premier One
Restrictions
0.60% $1,000 6962.60 Learn More
Ume
Restrictions
0.55% $2,000 6701.73 Learn More
California Coast
Restrictions
0.55% $90,000 6609.43 Learn More
Baxter
Restrictions
0.55% $500 6697.62 Learn More
0.55% $100,000 6956.62 Learn More
Sesloc
Restrictions
0.50% $1,000 6842.41 Learn More
Bay
Restrictions
0.50% $10,000 0.00 Learn More
Safe 1
Restrictions
0.50% $1,000 6768.12 Learn More
Premier Community
Restrictions
0.50% $500 6947.40 Learn More
Eagle Community
Restrictions
0.50% $100,000 6671.20 Learn More
0.50% $10,000 6961.41 Learn More
0.50% $1,000 6701.10 Learn More
0.50% $1,000 6956.62 Learn More
Media City
Restrictions
0.50% $1,000 6700.68 Learn More
Desert Valleys
Restrictions
0.45% $100,000 6705.23 Learn More
0.45% $250 6965.99 Learn More
Eagle Community
Restrictions
0.45% $2,000 6671.20 Learn More
Desert Valleys
Restrictions
0.40% $10,000 6705.23 Learn More
Clearpath
Restrictions
0.40% $50,000 6697.47 Learn More
Central State
Restrictions
0.40% $100,000 6943.18 Learn More
California Coast
Restrictions
0.40% $10,000 6609.43 Learn More
0.35% $1,000 6928.02 Learn More
Pacific Crest
Restrictions
0.35% $100,000 7082.54 Learn More
La Financial
Restrictions
0.35% $10,000 6693.11 Learn More
Tucoemas
Restrictions
0.35% $100,000 6805.32 Learn More
Strata
Restrictions
0.35% $1,000 6765.16 Learn More
Central Coast
Restrictions
0.35% $1,000 6934.70 Learn More
Arrowhead Central
Restrictions
0.35% $100,000 6666.11 Learn More
0.35% $1,000 6959.85 Learn More
0.35% $2,000 6683.45 Learn More
Yolo
Restrictions
0.30% $10,000 6986.61 Learn More
Clearpath
Restrictions
0.30% $10,000 6697.47 Learn More
Central State
Restrictions
0.30% $10,000 6943.18 Learn More
United Local
Restrictions
0.30% $100,000 6837.72 Learn More
Arrowhead Central
Restrictions
0.30% $1,000 6666.11 Learn More
0.30% $500 6679.57 Learn More
Tucoemas
Restrictions
0.25% $10,000 6805.32 Learn More
United Local
Restrictions
0.25% $10,000 6837.72 Learn More
Pacific Crest
Restrictions
0.20% $10,000 7082.54 Learn More
0.20% $5,000 6988.26 Learn More
Mokelumne
Restrictions
0.20% $2,000 6948.04 Learn More
Partners 1st
Restrictions
0.15% $500 6961.81 Learn More
Monterey
Restrictions
0.15% $10,000 6935.30 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.

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union One-Year Certificates of Deposit 2020

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 (in the case of 1-year CDs, the period is obviously 1-year), 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, and many that do maintain the right to deny it in their terms and conditions. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union.

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 1-year 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 time deposit is 3 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 next 12 months (or the period of your time deposit or CD). The premium in a one-year CD is very small, however, 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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