California

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Credit Union CD Rates Huntington Beach, California

You are viewing rates from credit unions across Huntington Beach

 

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 - July 3, 2025

1 Year CD National Average : 0.55% ?

Credit Unions APY MIN MILES ?

Rate History: 4.10% → 4.30% → 4.60% → 4.35% → 4.30%

Rate History: 4.60% → 4.25% → 4.15%

| Jun 12, 2017

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

Rate History: 4.85% → 4.75% → 4.35% → 4.15% → 4.05%

| 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: 5.00% → 4.95% → 4.85% → 4.75% → 4.00%

Rate History: 4.85% → 4.70% → 3.85%

3.65%

3.50%

$100,000

$1,000

13.81

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3.55%

3.45%

$100,000

$500

24.32

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3.50%

$1,000

23.44

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| 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: 4.00% → 3.50% → 4.00% → 3.00% → 2.75%

| May 12, 2016

19 what, years or months Read More

Rate History: 3.50% → 4.00% → 3.70% → 3.60% → 1.65%

0.85%

$100,000

23.51

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0.80%

$100,000

5.16

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Rate History: 0.65% → 0.75%

0.75%

$10,000

19.02

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0.70%

$10,000

5.16

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Sce

Sce Branch
Restrictions

0.70%

$10,000

13.02

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0.70%

$10,000

23.51

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0.65%

$10,000

4.58

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0.60%

$100,000

23.67

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0.55%

$100,000

10.56

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0.50%

$100,000

20.90

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0.50%

$10,000

23.67

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0.50%

$100,000

12.22

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0.47%

$10,000

18.12

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0.45%

$10,000

10.56

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0.45%

$10,000

20.90

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0.45%

$10,000

12.22

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0.35%

$100,000

20.92

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0.30%

$10,000

19.98

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0.30%

$1,000

20.92

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0.30%

$10,000

7.66

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0.30%

$10,000

24.56

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Edu


Restrictions

0.10%

$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 Huntington Beach, CA - July 3, 2025


Branch Street City State
SCHOOLSFIRST
Schoolsfirst Schoolsfirst Branch
6501 E Spring St Long Beach CA
SCHOOLSFIRST
Schoolsfirst Schoolsfirst Branch
6501 E Spring St Long Beach CA
SCHOOLSFIRST
Schoolsfirst Schoolsfirst Branch
6501 E Spring St Long Beach CA
SCHOOLSFIRST
Schoolsfirst Schoolsfirst Branch
6501 E Spring St Long Beach CA
AMERICAN AIRLINES
Aafcu - Sna Aafcu - Sna Branch
18017 Sky Park Cir Ste A Irvine 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
NAVY FEDERAL CREDIT UNION
Fountain Valley Fountain Valley Branch
18709 Brookhurst St Fountain Valley CA
AMERICAN AIRLINES
Aafcu - Sna Aafcu - Sna Branch
18017 Sky Park Cir Ste A Irvine CA
PARTNERS
Partners Partners Branch
700 W. Ball Road Anaheim CA
FINANCIAL PARTNERS
Financial Partners Financial Partners Branch
16468 Beach Blvd. Westminster CA
NUVISION
Nuvision Nuvision Branch
1419 NORTHWOOD RD SEAL BEACH CA
NUVISION
Nuvision Nuvision Branch
1419 NORTHWOOD RD SEAL BEACH CA
NUVISION
Nuvision Nuvision Branch
1419 NORTHWOOD RD SEAL BEACH CA
THE GOLDEN 1
The Golden 1 The Golden 1 Branch
15046 S. Euclid Avenue Chino CA
FRONTWAVE
Camp Pendleton Camp Pendleton Branch
MCX Complex, Building CU - 1105 Camp Pendleton CA
NUVISION
Nuvision Nuvision Branch
1419 NORTHWOOD RD SEAL BEACH CA
FINANCIAL PARTNERS
Financial Partners Financial Partners Branch
16468 Beach Blvd. Westminster CA
THE GOLDEN 1
The Golden 1 The Golden 1 Branch
15046 S. Euclid Avenue Chino CA
KINECTA
Westminster Westminster Branch
540 Westminster Mall Westminster CA
PARTNERS
Partners Partners Branch
700 W. Ball Road Anaheim CA
KINECTA
Westminster Westminster Branch
540 Westminster Mall Westminster CA
WESCOM CENTRAL
Wescom Central Wescom Central Branch
8880 Valley View Street Buena Park CA
UNIFY FINANCIAL
Western Western Branch
7801 Edinger Ave Huntington Beach CA
UNIFY FINANCIAL
Western Western Branch
7801 Edinger Ave Huntington Beach CA
UNIFY FINANCIAL
Western Western Branch
7801 Edinger Ave Huntington Beach CA
BAXTER
Brea Brea Branch
250 S Kraemer Blvd Brea CA
SAN DIEGO COUNTY
Branch 26 Laguna Niguel Branch 26 Laguna Niguel
32341 Golden Lantern Ste A Laguna Niguel CA
CERTIFIED
Vons Employees Vons Employees Branch
12801 Excelsior Dr. Santa Fe Springs 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
USC
Orange County Relationship Center Orange County Relationship Center Branch
2272 Michelson Dr Ste 102 Irvine CA
RIZE
Sce Sce Branch
5000 Pacific Coast Highway San Clemente CA
CERTIFIED
Vons Employees Vons Employees Branch
12801 Excelsior Dr. Santa Fe Springs CA
ALTURA
Altura Altura Branch
2331 Compton Ave Corona CA
CAPSTONE
Capstone Federal Credit Union Capstone Federal Credit Union Branch
3 POLARIS WAY STE 31B ALISO VIEJO CA
LBS FINANCIAL
Lakewood Lakewood Branch
4916 Bellflower Blvd Lakewood CA
ORANGE COUNTY'S
Orange County's Cu Orange County's Cu Branch
18287 Brookhurst St Fountain Valley CA
TRUGROCER
Trugrocer Trugrocer Branch
341 E. Imperial Highway Fullerton CA
LBS FINANCIAL
Lakewood Lakewood Branch
4916 Bellflower Blvd Lakewood CA
EAGLE COMMUNITY
Eagle Community Eagle Community Branch
12934 Harbor Blvd. Garden Grove CA
RANCHO
Rancho Rancho Branch
8530 Stanton Ave Buena Park CA
ORANGE COUNTY'S
Orange County's Cu Orange County's Cu Branch
18287 Brookhurst St Fountain Valley CA
TRUGROCER
Trugrocer Trugrocer Branch
341 E. Imperial Highway Fullerton CA
EAGLE COMMUNITY
Eagle Community Eagle Community Branch
12934 Harbor Blvd. Garden Grove CA
ARROWHEAD CENTRAL
Arrowhead Central Arrowhead Central Branch
1030 Hamner Avenue Suite D Norco CA
CENTER CITY COMMUNITY
Yamaha Buena Park Yamaha Buena Park Branch
6600 Orangethorpe Ave Buena Park CA
ARROWHEAD CENTRAL
Arrowhead Central Arrowhead Central Branch
1030 Hamner Avenue Suite D Norco CA
THE FIRST FINANCIAL
Brea Branch Brea Branch
1001 E Imperial Hwy Ste A Brea CA
CAMINO
Camino Camino Branch
13704 Clarkdale Ave Norwalk 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 One-Year 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 (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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