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Credit Union CD Rates San Bernardino, California 2018

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 - August 20, 2018

1 Year CD National Average : 0.80% ?

Advertiser Disclosure
Credit UnionS APY MIN MILES ?
Keypoint
Restrictions
2.43% $1,000 6784.14
Alliant
Restrictions
2.35% $1,000 6698.71
Usc
Restrictions
2.30% $1,000 6695.10
Chevron
Restrictions
2.20% $500 6987.16
Alliance
Restrictions
2.20% $500 6954.23
F & A
Restrictions
2.17% $1,000 6690.06
American Airlines
Restrictions
2.17% $10,000 6665.99
2.10% $100,000 6704.82
Stanford
Restrictions
2.02% $1,000 6970.33
2.00% $10,000 6704.82
Ukrainian
Restrictions
2.00% $500 6961.92
Justice
Restrictions
1.96% $100,000 6704.38
Unify Financial
Restrictions
1.96% $100,000 6697.05
Justice
Restrictions
1.86% $500 6704.38
Schoolsfirst
Restrictions
1.80% $500 6668.55
Star One
Restrictions
1.80% $2,500 6964.73
Ukrainian
Restrictions
1.76% $500 6961.92
Wings Financial
Restrictions
1.76% $90,000 6698.20
Kinecta
Restrictions
1.75% $100,000 6697.66
Unify Financial
Restrictions
1.75% $1,000 6697.05
Xceed Financial
Restrictions
1.75% $500 6698.18
1.75% $500 6679.57
Technology
Restrictions
1.75% $1,000 6957.25
Wings Financial
Restrictions
1.71% $10,000 6698.20
Kinecta
Restrictions
1.70% $1,000 6697.66
Lbs Financial
Restrictions
1.70% $2,500 6685.96
Alaska Usa
Restrictions
1.65% $10,000 6657.97
Sri
Restrictions
1.61% $1,000 6973.50
1.60% $1,000 6839.10
Orange County's
Restrictions
1.60% $1,000 6666.33
Partners
Restrictions
1.55% $1,000 6670.24
Ume
Restrictions
1.51% $50,000 6701.73
Energy One
Restrictions
1.50% $100,000 6769.26
Provident
Restrictions
1.49% $1,000 6989.23
Sun Community
Restrictions
1.46% $100,000 6530.70
1.45% $50,000 6700.47
Premier America
Restrictions
1.45% $10,000 6714.65
Ume
Restrictions
1.41% $2,000 6701.73
Energy One
Restrictions
1.40% $1,000 6769.26
1.40% $10,000 6607.67
Sun Community
Restrictions
1.36% $500 6530.70
1.35% $500 6700.47
American First
Restrictions
1.35% $1,000 6675.88
1.31% $500 6920.66
Geico
Restrictions
1.30% $1,000 6606.80
Ventura County
Restrictions
1.30% $10,000 6747.24
Sce
Restrictions
1.25% $1,000 6682.48
California
Restrictions
1.25% $10,000 6697.24
Sandia Laboratory
Restrictions
1.20% $100,000 6959.25
Baxter
Restrictions
1.20% $500 6697.62
Patelco
Restrictions
1.20% $1,000 6988.63
Keypoint
Restrictions
1.16% $1,000 6784.14
Thinkwise
Restrictions
1.15% $500 6648.64
1.15% $1,000 6961.76
1.15% $100,000 6956.62
F & A
Restrictions
1.11% $1,000 6690.06
Schools Financial
Restrictions
1.10% $1,000 6963.95
Travis
Restrictions
1.10% $500 6983.33
1.10% $1,000 6956.62
1.06% $10,000 6961.41
Wescom Central
Restrictions
1.05% $500 6667.08
First Imperial
Restrictions
1.05% $100,000 6534.32
1.05% $1,000 6701.10
Noble
Restrictions
1.01% $100,000 6841.85
Sacramento
Restrictions
1.01% $1,000 6969.34
1.01% $10,000 6985.69
Pasadena
Restrictions
1.00% $1,000 6691.29
Los Angeles
Restrictions
1.00% $1,000 6696.55
Sandia Laboratory
Restrictions
1.00% $1,000 6959.25
1.00% $5,000 6698.95
1.00% $5,000 6958.12
San Mateo
Restrictions
1.00% $2,000 6976.96
First Imperial
Restrictions
1.00% $500 6534.32
1.00% $1,000 6959.85
0.95% $1,000 6656.95
Logix
Restrictions
0.90% $1,000 6702.65
Noble
Restrictions
0.90% $10,000 6841.85
Altura
Restrictions
0.90% $100,000 6643.54
Pacific Service
Restrictions
0.90% $1,000 6979.30
Kings
Restrictions
0.85% $10,000 6821.05
Altura
Restrictions
0.85% $1,000 6643.54
Sierra Central
Restrictions
0.85% $500 6978.68
Safe
Restrictions
0.85% $500 6966.37
0.80% $2,500 6820.16
Alta Vista
Restrictions
0.80% $1,000 6642.99
Bay
Restrictions
0.75% $10,000 0.00
First Technology
Restrictions
0.75% $500 6962.45
Redwood
Restrictions
0.75% $10,000 7024.47
0.75% $1,000 6965.99
0.75% $10,000 6964.41
Premier One
Restrictions
0.75% $1,000 6962.60
Desert Valleys
Restrictions
0.70% $10,000 6705.23
Lassen County
Restrictions
0.70% $10,000 6976.96
San Diego County
Restrictions
0.70% $90,000 6613.67
The Golden 1
Restrictions
0.70% $100,000 6962.73
Edwards
Restrictions
0.67% $2,500 6698.32
Sesloc
Restrictions
0.65% $1,000 6842.41
San Diego County
Restrictions
0.65% $10,000 6613.67
The Golden 1
Restrictions
0.65% $10,000 6962.73
Pacific Marine
Restrictions
0.65% $1,000 6627.97
Altaone
Restrictions
0.60% $10,000 6704.47
Menlo Survey
Restrictions
0.60% $2,000 6973.21
Chabot
Restrictions
0.60% $5,000 6968.14
Uncle
Restrictions
0.60% $1,500 6959.96
Rancho
Restrictions
0.56% $1,000 6686.84
Tulare County
Restrictions
0.55% $1,000 6802.29
Burbank City
Restrictions
0.55% $5,000 6701.24
0.55% $10,000 6704.09
First California
Restrictions
0.50% $100,000 6838.23
Central State
Restrictions
0.50% $100,000 6943.18
Safe 1
Restrictions
0.50% $1,000 6768.12
Merco
Restrictions
0.50% $2,500 6886.30
0.50% $1,000 6664.86
0.50% $1,000 6700.68
Coasthills
Restrictions
0.50% $500 6818.69
Eagle Community
Restrictions
0.45% $2,000 6671.20
Point Loma
Restrictions
0.41% $1,000 6609.28
0.40% $10,000 6600.50
Mission
Restrictions
0.40% $10,000 6614.06
First California
Restrictions
0.40% $10,000 6838.23
Central State
Restrictions
0.40% $10,000 6943.18
0.40% $10,000 6614.32
California Coast
Restrictions
0.40% $10,000 6609.43
Silverado
Restrictions
0.40% $1,000 7015.94
Smw 104
Restrictions
0.38% $1,000 6979.72
Fme
Restrictions
0.35% $25,000 6678.17
Kern Schools
Restrictions
0.35% $1,000 6768.98
Tucoemas
Restrictions
0.35% $100,000 6805.32
Kern
Restrictions
0.35% $1,000 6765.16
Arrowhead Central
Restrictions
0.35% $100,000 6666.11
Premier Community
Restrictions
0.35% $500 6947.40
Cabrillo
Restrictions
0.35% $10,000 6608.37
Fme
Restrictions
0.32% $10,000 6678.17
Tucoemas
Restrictions
0.30% $10,000 6805.32
Yolo
Restrictions
0.30% $10,000 6986.61
Clearpath
Restrictions
0.30% $10,000 6697.47
Central Coast
Restrictions
0.30% $1,000 6934.70
United Local
Restrictions
0.30% $100,000 6837.72
Arrowhead Central
Restrictions
0.30% $1,000 6666.11
Valley First
Restrictions
0.30% $10,000 6921.30
0.30% $250 6995.27
United Local
Restrictions
0.25% $10,000 6837.72
0.25% $500 6949.07
0.25% $10,000 6839.10
Partners 1st
Restrictions
0.23% $500 6961.81
La Financial
Restrictions
0.20% $10,000 6693.11
Mokelumne
Restrictions
0.20% $2,000 6948.04
Monterey
Restrictions
0.20% $100,000 6935.30
Pacific Crest
Restrictions
0.15% $10,000 7082.54
Meriwest
Restrictions
0.15% $1,000 6951.75
Monterey
Restrictions
0.15% $10,000 6935.30
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 2018

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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