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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 - January 17, 2019

1 Year CD National Average : 0.99% ?

Advertiser Disclosure
Credit UnionS APY MIN MILES ?
Ukrainian
Restrictions
2.78% $500 6961.92
Alliant
Restrictions
2.70% $25,000 6698.71
Ukrainian
Restrictions
2.65% $500 6961.92
Alliant
Restrictions
2.65% $1,000 6698.71
Chevron
Restrictions
2.50% $500 6987.16
2.50% $100,000 6704.82
American Airlines
Restrictions
2.38% $10,000 6665.99
Sri
Restrictions
2.37% $1,000 6973.50
2.35% $500 6679.57
F & A
Restrictions
2.33% $1,000 6690.06
Stanford
Restrictions
2.27% $1,000 6970.33
Technology
Restrictions
2.25% $1,000 6957.25
2.25% $10,000 6704.82
Provident
Restrictions
2.21% $1,000 6989.23
Star One
Restrictions
2.20% $2,500 6964.73
Alliance
Restrictions
2.20% $500 6954.23
2.15% $1,000 6956.62
Usc
Restrictions
2.10% $1,000 6695.10
La Financial
Restrictions
2.02% $50,000 6693.11
Kinecta
Restrictions
2.00% $1,000 6697.66
Lbs Financial
Restrictions
2.00% $2,500 6685.96
Pasadena
Restrictions
2.00% $1,000 6691.29
Xceed Financial
Restrictions
2.00% $500 6698.18
Yolo
Restrictions
2.00% $500 6986.61
Schoolsfirst
Restrictions
2.00% $500 6668.55
Wings Financial
Restrictions
1.97% $90,000 6698.20
Justice
Restrictions
1.96% $100,000 6704.38
Unify Financial
Restrictions
1.96% $100,000 6697.05
Kinecta
Restrictions
1.95% $1,000 6697.66
Ventura County
Restrictions
1.95% $10,000 6747.24
Wings Financial
Restrictions
1.91% $10,000 6698.20
Alaska Usa
Restrictions
1.91% $10,000 6657.97
Ume
Restrictions
1.91% $50,000 6701.73
Orange County's
Restrictions
1.90% $1,000 6666.33
1.90% $1,000 6672.01
Justice
Restrictions
1.86% $500 6704.38
Trugrocer
Restrictions
1.86% $500 6675.08
1.85% $50,000 6700.47
1.85% $10,000 6714.65
Nuvision
Restrictions
1.85% $1,000 6684.66
Ume
Restrictions
1.81% $2,000 6701.73
1.81% $10,000 6607.67
Energy One
Restrictions
1.80% $100,000 6769.26
Geico
Restrictions
1.80% $1,000 6606.80
1.76% $250 6995.27
First Technology
Restrictions
1.75% $500 6962.45
1.75% $500 6700.47
American First
Restrictions
1.75% $1,000 6675.88
Unify Financial
Restrictions
1.75% $1,000 6697.05
1.75% $10,000 7110.71
Energy One
Restrictions
1.70% $1,000 6769.26
Sun Community
Restrictions
1.66% $100,000 6530.70
1.60% $1,000 6961.76
Sandia Laboratory
Restrictions
1.56% $100,000 6959.25
1.55% $1,000 6701.10
Partners
Restrictions
1.55% $1,000 6670.24
Alta Vista
Restrictions
1.50% $1,000 6642.99
Redwood
Restrictions
1.50% $10,000 7024.47
1.47% $1,000 6698.32
Sun Community
Restrictions
1.46% $500 6530.70
Sce
Restrictions
1.45% $1,000 6682.48
1.41% $1,000 6959.85
Schools Financial
Restrictions
1.40% $1,000 6963.95
Pacific Service
Restrictions
1.40% $1,000 6979.30
1.36% $100,000 6885.96
1.36% $10,000 6985.69
Logix
Restrictions
1.35% $1,000 6702.65
Altura
Restrictions
1.35% $100,000 6643.54
Sandia Laboratory
Restrictions
1.35% $1,000 6959.25
1.31% $500 6920.66
1.31% $100,000 6841.85
Sierra Central
Restrictions
1.31% $500 6978.68
1.31% $10,000 6961.41
Patelco
Restrictions
1.30% $1,000 6988.63
Baxter
Restrictions
1.30% $500 6697.62
Altura
Restrictions
1.30% $1,000 6643.54
Sacramento
Restrictions
1.26% $1,000 6969.34
1.26% $10,000 6839.10
Coasthills
Restrictions
1.26% $100,000 6818.69
La Financial
Restrictions
1.26% $5,000 6693.11
California
Restrictions
1.26% $10,000 6697.24
Bay
Restrictions
1.26% $10,000 0.00
San Mateo
Restrictions
1.25% $2,000 6976.96
Travis
Restrictions
1.25% $500 6983.33
1.25% $5,000 6958.12
1.21% $10,000 6841.85
1.21% $1,000 6885.96
1.20% $1,000 6965.99
Wescom Central
Restrictions
1.20% $500 6667.08
1.16% $100,000 6838.23
Keypoint
Restrictions
1.16% $1,000 6784.14
Thinkwise
Restrictions
1.15% $500 6648.64
F & A
Restrictions
1.11% $1,000 6690.06
Kings
Restrictions
1.11% $10,000 6821.05
Premier One
Restrictions
1.10% $1,000 6962.60
San Diego County
Restrictions
1.05% $90,000 6613.67
First Imperial
Restrictions
1.05% $100,000 6534.32
First California
Restrictions
1.01% $100,000 6838.23
Menlo Survey
Restrictions
1.01% $2,000 6973.21
1.00% $5,000 6698.95
1.00% $1,000 6664.86
San Diego County
Restrictions
1.00% $10,000 6613.67
1.00% $500 6949.07
1.00% $2,500 6820.16
1.00% $1,000 6700.68
First Imperial
Restrictions
1.00% $500 6534.32
Los Angeles
Restrictions
1.00% $1,000 6696.55
0.95% $1,000 6656.95
Desert Valleys
Restrictions
0.95% $10,000 6705.23
Sesloc
Restrictions
0.91% $1,000 6842.41
0.90% $2,500 6820.16
0.90% $10,000 6838.23
0.90% $5,000 6701.24
0.90% $10,000 6614.32
0.85% $1,000 6609.28
Cabrillo
Restrictions
0.85% $10,000 6608.37
Safe
Restrictions
0.85% $500 6966.37
0.85% $10,000 6964.41
Rancho
Restrictions
0.81% $1,000 6686.84
The Golden 1
Restrictions
0.80% $100,000 6962.73
Pacific Marine
Restrictions
0.80% $1,000 6627.97
Smw 104
Restrictions
0.80% $1,000 6979.72
Coasthills
Restrictions
0.75% $500 6818.69
Lassen County
Restrictions
0.75% $10,000 6976.96
Silverado
Restrictions
0.75% $1,000 7015.94
The Golden 1
Restrictions
0.75% $10,000 6962.73
Safe 1
Restrictions
0.75% $1,000 6768.12
Merco
Restrictions
0.70% $2,500 6886.30
0.65% $10,000 6600.50
Mission
Restrictions
0.65% $10,000 6614.06
Chabot
Restrictions
0.65% $5,000 6968.14
Altaone
Restrictions
0.60% $10,000 6704.47
Uncle
Restrictions
0.60% $1,500 6959.96
Tulare County
Restrictions
0.55% $1,000 6802.29
Pacific Crest
Restrictions
0.55% $10,000 7082.54
Premier Community
Restrictions
0.55% $50,000 6947.40
Central Coast
Restrictions
0.50% $1,000 6934.70
Premier Community
Restrictions
0.50% $500 6947.40
Central State
Restrictions
0.50% $100,000 6943.18
Tucoemas
Restrictions
0.45% $100,000 6805.32
Valley First
Restrictions
0.45% $10,000 6921.30
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
Arrowhead Central
Restrictions
0.35% $100,000 6666.11
Kern
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
Fme
Restrictions
0.32% $10,000 6678.17
Monterey
Restrictions
0.30% $100,000 6935.30
Arrowhead Central
Restrictions
0.30% $1,000 6666.11
United Local
Restrictions
0.30% $100,000 6837.72
Yolo
Restrictions
0.30% $10,000 6986.61
Clearpath
Restrictions
0.30% $10,000 6697.47
Monterey
Restrictions
0.25% $10,000 6935.30
United Local
Restrictions
0.25% $10,000 6837.72
Partners 1st
Restrictions
0.23% $500 6961.81
Mokelumne
Restrictions
0.20% $2,000 6948.04
0.20% $5,000 6988.26
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.

SAVINGS & CD CALCULATOR

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