California

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Credit Union CD Rates San Bernardino, California 2019

Below are the best one year CD Rates from credit unions in San Bernardino, 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.

San Bernardino, CA - December 7, 2019

1 Year CD National Average : 0.92% ?

Advertiser Disclosure
Credit UnionS APY MIN MILES ?
American Airlines
Restrictions
2.38% $10,000 6665.99
Schoolsfirst
Restrictions
2.25% $100,000 6668.55
First Technology
Restrictions
2.20% $50,000 6962.45
2.20% $100,000 6704.82
Excite
Restrictions
2.20% $500 6954.23
Self-help
Restrictions
2.12% $500 6920.66
Schoolsfirst
Restrictions
2.10% $500 6668.55
2.10% $10,000 6704.82
First Technology
Restrictions
2.10% $500 6962.45
Technology
Restrictions
2.10% $1,000 6957.25
Alaska Usa
Restrictions
2.05% $10,000 6657.97
Lbs Financial
Restrictions
2.05% $90,000 6685.96
Premier America
Restrictions
2.05% $100,000 6714.65
F & A
Restrictions
2.02% $1,000 6690.06
Coasthills
Restrictions
2.02% $500 6818.69
Pasadena
Restrictions
2.00% $1,000 6691.29
Kinecta
Restrictions
2.00% $100,000 6697.66
Chevron
Restrictions
2.00% $500 6987.16
Nuvision
Restrictions
2.00% $100,000 6684.66
Justice
Restrictions
1.96% $100,000 6704.38
1.96% $1,000 6656.95
Unify Financial
Restrictions
1.96% $100,000 6697.05
Sandia Laboratory
Restrictions
1.96% $100,000 6959.25
Kinecta
Restrictions
1.95% $1,000 6697.66
Thinkwise
Restrictions
1.95% $500 6648.64
Southland
Restrictions
1.95% $100,000 6679.64
1.95% $500 6619.31
Premier America
Restrictions
1.95% $10,000 6714.65
Stanford
Restrictions
1.92% $1,000 6970.33
Kinecta
Restrictions
1.90% $1 6697.66
Lbs Financial
Restrictions
1.90% $2,500 6685.96
Orange County's
Restrictions
1.90% $1,000 6666.33
Justice
Restrictions
1.86% $500 6704.38
Nuvision
Restrictions
1.85% $1,000 6684.66
1.85% $1,000 6961.76
Star One
Restrictions
1.85% $2,500 6964.73
Energy One
Restrictions
1.85% $100,000 6769.26
Southland
Restrictions
1.80% $1,000 6679.64
Sandia Laboratory
Restrictions
1.76% $1,000 6959.25
Trugrocer
Restrictions
1.76% $10,000 6675.08
Wings Financial
Restrictions
1.76% $100,000 6698.20
Energy One
Restrictions
1.75% $1,000 6769.26
Ventura County
Restrictions
1.75% $10,000 6747.24
California
Restrictions
1.75% $10,000 6697.24
Unify Financial
Restrictions
1.75% $1,000 6697.05
Ukrainian
Restrictions
1.75% $500 6961.92
Provident
Restrictions
1.71% $1,000 6989.23
Wings Financial
Restrictions
1.71% $10,000 6698.20
Schools Financial
Restrictions
1.70% $1,000 6963.95
Sun Community
Restrictions
1.66% $100,000 6530.70
Sce
Restrictions
1.65% $1,000 6682.48
Xceed Financial
Restrictions
1.60% $500 6698.18
American First
Restrictions
1.60% $1,000 6675.88
1.60% $50,000 6700.47
1.55% $1,000 6701.10
Sacramento
Restrictions
1.51% $1,000 6969.34
1.51% $10,000 6961.41
Ume
Restrictions
1.51% $50,000 6701.73
Geico
Restrictions
1.51% $1,000 6606.80
Alta Vista
Restrictions
1.50% $1,000 6642.99
1.50% $5,000 6958.12
Redwood
Restrictions
1.50% $10,000 7024.47
South Bay
Restrictions
1.50% $1,000 6696.02
1.50% $500 6700.47
California Coast
Restrictions
1.49% $1,000 6609.43
Sun Community
Restrictions
1.46% $500 6530.70
Sierra Central
Restrictions
1.46% $500 6978.68
Bay
Restrictions
1.46% $10,000 0.00
Altura
Restrictions
1.45% $100,000 6643.54
Los Angeles
Restrictions
1.41% $1,000 6696.55
Ume
Restrictions
1.41% $2,000 6701.73
1.40% $500 6949.07
Patelco
Restrictions
1.40% $1,000 6988.63
Edwards
Restrictions
1.37% $1,000 6698.32
1.36% $10,000 6839.10
Camino
Restrictions
1.36% $2,500 6686.70
Logix
Restrictions
1.35% $1,000 6702.65
Altura
Restrictions
1.35% $1,000 6643.54
1.31% $500 6920.66
Noble
Restrictions
1.31% $100,000 6841.85
1.31% $1,000 6959.85
Point Loma
Restrictions
1.31% $1,000 6609.28
Uncle
Restrictions
1.31% $1,500 6959.96
Sesloc
Restrictions
1.31% $1,000 6842.41
Frontwave
Restrictions
1.30% $1,000 6627.97
1.26% $10,000 6600.50
Kings
Restrictions
1.26% $10,000 6821.05
Ohio Catholic
Restrictions
1.25% $100,000 -
1.25% $100,000 6956.62
Travis
Restrictions
1.25% $500 6983.33
Mission
Restrictions
1.25% $10,000 6614.06
San Diego County
Restrictions
1.25% $90,000 6613.67
Premier One
Restrictions
1.25% $1,000 6962.60
Baxter
Restrictions
1.25% $500 6697.62
Noble
Restrictions
1.21% $10,000 6841.85
Tulare County
Restrictions
1.21% $1,000 6802.29
1.20% $1,000 6956.62
San Diego County
Restrictions
1.20% $10,000 6613.67
First California
Restrictions
1.16% $100,000 6838.23
Ohio Catholic
Restrictions
1.15% $25,000 -
Keypoint
Restrictions
1.15% $1,000 6784.14
First City
Restrictions
1.15% $10,000 6694.48
F & A
Restrictions
1.11% $1,000 6690.06
Media City
Restrictions
1.10% $1,000 6700.68
First Imperial
Restrictions
1.05% $100,000 6534.32
Silverado
Restrictions
1.01% $1,000 7015.94
1.00% $1,000 6664.86
First Imperial
Restrictions
1.00% $500 6534.32
1.00% $2,500 6820.16
Merco
Restrictions
1.00% $2,500 6886.30
Ohio Catholic
Restrictions
1.00% $500 -
The Golden 1
Restrictions
0.95% $100,000 6962.73
Desert Valleys
Restrictions
0.95% $10,000 6705.23
The Golden 1
Restrictions
0.90% $10,000 6962.73
First California
Restrictions
0.90% $10,000 6838.23
Lassen County
Restrictions
0.90% $10,000 6976.96
Premier Community
Restrictions
0.90% $50,000 6947.40
Gain
Restrictions
0.90% $5,000 6701.24
0.90% $10,000 6614.32
Cabrillo
Restrictions
0.85% $10,000 6608.37
Safe
Restrictions
0.85% $500 6966.37
0.85% $10,000 6964.41
Safe 1
Restrictions
0.75% $1,000 6768.12
0.70% $500 6679.57
Pacific Crest
Restrictions
0.65% $10,000 7082.54
Premier Community
Restrictions
0.65% $500 6947.40
Altaone
Restrictions
0.60% $10,000 6704.47
Central Coast
Restrictions
0.60% $1,000 6934.70
Wescom Central
Restrictions
0.60% $500 6667.08
Valley First
Restrictions
0.50% $10,000 6921.30
Central State
Restrictions
0.50% $100,000 6943.18
Tucoemas
Restrictions
0.45% $100,000 6805.32
Eagle Community
Restrictions
0.45% $2,000 6671.20
California Coast
Restrictions
0.40% $10,000 6609.43
Central State
Restrictions
0.40% $10,000 6943.18
0.35% $1,000 6928.02
Arrowhead Central
Restrictions
0.35% $100,000 6666.11
Strata
Restrictions
0.35% $1,000 6765.16
Kern Schools
Restrictions
0.35% $1,000 6768.98
La Financial
Restrictions
0.35% $10,000 6693.11
Tucoemas
Restrictions
0.35% $10,000 6805.32
Arrowhead Central
Restrictions
0.30% $1,000 6666.11
United Local
Restrictions
0.30% $100,000 6837.72
Clearpath
Restrictions
0.30% $10,000 6697.47
Yolo
Restrictions
0.30% $10,000 6986.61
Monterey
Restrictions
0.25% $10,000 6935.30
United Local
Restrictions
0.25% $10,000 6837.72
Mokelumne
Restrictions
0.20% $2,000 6948.04
0.20% $5,000 6988.26
Partners 1st
Restrictions
0.20% $500 6961.81
Meriwest
Restrictions
0.15% $1,000 6951.75
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 2019

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.

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