Credit Union CD Rates California 2023

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

CA - March 20, 2023

1 Year CD National Average : 0.44% ^?

Credit Unions	APY	MIN	MILES ^?
Navy Federal Credit Union Restrictions	4.85%	$50	-	Learn More Reviews (19)
Stanford Restrictions	4.59%	$1,000	-	Learn More Reviews
Partners Restrictions	4.50%	$100,000	-	Learn More Reviews
Pentagon Restrictions	4.46%	$1,000	-	Learn More Reviews (12)
Navy Federal Credit Union Restrictions	4.45%	$100,000	-	Learn More Reviews (19)
Partners Restrictions	4.40%	$50,000	-	Learn More Reviews
Navy Federal Credit Union Restrictions	4.40%	$1,000	-	Learn More Reviews (19)
Northrop Grumman Restrictions	4.35%	$40,000	-	Learn More Reviews
Partners Restrictions	4.30%	$500	-	Learn More Reviews
Community First Restrictions	4.25%	$1,000	-	Learn More Reviews
Chevron Restrictions	4.20%	$250,000	-	Learn More Reviews
Northrop Grumman Restrictions	4.19%	$250	-	Learn More Reviews
Chevron Restrictions	4.15%	$100,000	-	Learn More Reviews
Chevron Restrictions	4.10%	$500	-	Learn More Reviews
Redwood Restrictions	4.00%	$1,000	-	Learn More Reviews
San Diego County Restrictions	3.75%	$90,000	-	Learn More Reviews
Schoolsfirst Restrictions	3.60%	$100,000	-	Learn More Reviews
San Diego County Restrictions	3.51%	$2,000	-	Learn More Reviews
Frontwave Restrictions	3.50%	$1,000	-	Learn More Reviews
Schoolsfirst Restrictions	3.45%	$500	-	Learn More Reviews
Nuvision Restrictions	3.40%	$100,000	-	Learn More Reviews
Nuvision Restrictions	3.35%	$50,000	-	Learn More Reviews
Nuvision Restrictions	3.30%	$25,000	-	Learn More Reviews
Nuvision Restrictions	3.25%	$1,000	-	Learn More Reviews
Star One Restrictions	3.00%	$2,500	-	Learn More Reviews (1)
Premier America Restrictions	3.00%	$1,000	-	Learn More Reviews
Credit Union Of Southern California Restrictions	2.74%	$1,000	-	Learn More Reviews
Mission Restrictions	2.70%	$100,000	-	Learn More Reviews
Mission Restrictions	2.65%	$10,000	-	Learn More Reviews
Mission Restrictions	2.60%	$2,000	-	Learn More Reviews
Wescom Central Restrictions	2.50%	$500	-	Learn More Reviews
Central Valley Firefighters Restrictions	2.48%	$1,000	-	Learn More Reviews (1)
Alaska Usa Restrictions	2.45%	$100,000	-	Learn More Reviews
Logix Restrictions	2.40%	$100,000	-	Learn More Reviews
Alaska Usa Restrictions	2.30%	$10,000	-	Learn More Reviews
Logix Restrictions	2.30%	$1,000	-	Learn More Reviews
First Technology Restrictions	2.20%	$50,000	-	Learn More Reviews
First Technology Restrictions	2.15%	$500	-	Learn More Reviews
American Airlines Restrictions	2.12%	$10,000	-	Learn More Reviews (1)
Provident Restrictions	2.11%	$500	-	Learn More Reviews
Travis Restrictions	2.10%	$50,000	-	Learn More Reviews
Provident Restrictions	2.06%	$50,000	-	Learn More Reviews
American Airlines Restrictions	2.02%	$1,000	-	Learn More Reviews (1)
Provident Restrictions	2.01%	$50	-	Learn More Reviews
Patelco Restrictions	2.00%	$250	-	Learn More Reviews (2)
Travis Restrictions	2.00%	$500	-	Learn More Reviews
Provident Restrictions	1.96%	$100,000	-	Learn More Reviews
Golden 1 Credit Union Restrictions	1.80%	$500	-	Learn More Reviews
F & A Restrictions	0.95%	$50,000	-	Learn More Reviews
Operating Engineers Local Union #3 Restrictions	0.95%	$100,000	-	Learn More Reviews
Sandia Laboratory Restrictions	0.90%	$100,000	-	Learn More Reviews
F & A Restrictions	0.90%	$1,000	-	Learn More Reviews
Farmers Insurance Group Restrictions	0.90%	$100,000	-	Learn More Reviews
Honda Restrictions	0.90%	$100,000	-	Learn More Reviews
Educational Employees Restrictions	0.85%	$100,000	-	Learn More Reviews
Certified Restrictions	0.85%	$100,000	-	Learn More Reviews
Inova Restrictions	0.85%	$200	-	Learn More Reviews
Coasthills Restrictions	0.85%	$100,000	-	Learn More Reviews
Airco	0.80%	$100,000	-	Learn More Reviews
Thinkwise Restrictions	0.80%	$10,000	-	Learn More Reviews
Noble Restrictions	0.80%	$100,000	-	Learn More Reviews
Chaffey Restrictions	0.80%	$100,000	-	Learn More Reviews
Usc Restrictions	0.80%	$100,000	-	Learn More Reviews
Energy One Restrictions	0.80%	$100,000	-	Learn More Reviews
Honda Restrictions	0.80%	$10,000	-	Learn More Reviews
East County Schools Restrictions	0.75%	$10,000	-	Learn More Reviews
United Methodist Restrictions	0.75%	$100,000	-	Learn More Reviews
Families And Schools Together Restrictions	0.75%	$10,000	-	Learn More Reviews
Educational Employees Restrictions	0.75%	$10,000	-	Learn More Reviews
Noble Restrictions	0.75%	$10,000	-	Learn More Reviews
Excite Restrictions	0.75%	$10,000	-	Learn More Reviews
Menlo Survey Restrictions	0.75%	$10,000	-	Learn More Reviews
San Mateo Restrictions	0.75%	$10,000	-	Learn More Reviews (1)
University & State Employees Restrictions	0.75%	$10,000	-	Learn More Reviews
Together Restrictions	0.75%	$10,000	-	Learn More Reviews
First California Restrictions	0.75%	$100,000	-	Learn More Reviews
Farmers Insurance Group Restrictions	0.75%	$10,000	-	Learn More Reviews
American First Restrictions	0.75%	$10,000	-	Learn More Reviews
Lassen County Restrictions	0.75%	$100,000	-	Learn More Reviews
Technology Restrictions	0.70%	$10,000	-	Learn More Reviews
Universal City Studios Restrictions	0.70%	$100,000	-	Learn More Reviews
Sun Community Restrictions	0.70%	$100,000	-	Learn More Reviews
Kings Restrictions	0.70%	$10,000	-	Learn More Reviews
Usc Restrictions	0.70%	$10,000	-	Learn More Reviews
Tulare County Restrictions	0.70%	$10,000	-	Learn More Reviews
Sacramento Restrictions	0.70%	$100,000	-	Learn More Reviews
Ukrainian Restrictions	0.70%	$10,000	-	Learn More Reviews
Firefighters First Restrictions	0.70%	$100,000	-	Learn More Reviews
Energy One Restrictions	0.70%	$10,000	-	Learn More Reviews
Sce Restrictions	0.70%	$10,000	-	Learn More Reviews
Meriwest Restrictions	0.70%	$10,000	-	Learn More Reviews
Southland Restrictions	0.70%	$100,000	-	Learn More Reviews
Certified Restrictions	0.70%	$10,000	-	Learn More Reviews
Valley First Restrictions	0.68%	$10,000	-	Learn More Reviews
Geico Restrictions	0.65%	$10,000	-	Learn More Reviews
Operating Engineers Local Union #3 Restrictions	0.65%	$10,000	-	Learn More Reviews
United Methodist Restrictions	0.65%	$10,000	-	Learn More Reviews
Ventura County Restrictions	0.65%	$10,000	-	Learn More Reviews (2)
Sacramento Restrictions	0.65%	$10,000	-	Learn More Reviews
Lassen County Restrictions	0.65%	$10,000	-	Learn More Reviews
Altura Restrictions	0.65%	$100,000	-	Learn More Reviews
First U.s. Community Restrictions	0.65%	$100,000	-	Learn More Reviews
Chaffey Restrictions	0.65%	$10,000	-	Learn More Reviews
Coasthills Restrictions	0.65%	$10,000	-	Learn More Reviews
Capstone	0.65%	$10,000	-	Learn More Reviews
Silverado Restrictions	0.65%	$1,000	-	Learn More Reviews
Airco	0.60%	$10,000	-	Learn More Reviews
Justice Restrictions	0.60%	$100,000	-	Learn More Reviews
Sandia Laboratory Restrictions	0.60%	$10,000	-	Learn More Reviews
San Diego Firefighters Restrictions	0.60%	$10,000	-	Learn More Reviews
Sun Community Restrictions	0.60%	$10,000	-	Learn More Reviews
Media City Restrictions	0.60%	$100,000	-	Learn More Reviews
Xceed Financial Restrictions	0.60%	$10,000	-	Learn More Reviews
Commonwealth Central Restrictions	0.60%	$10,000	-	Learn More Reviews
Universal City Studios Restrictions	0.60%	$10,000	-	Learn More Reviews
California Restrictions	0.60%	$10,000	-	Learn More Reviews
Pasadena Restrictions	0.60%	$100,000	-	Learn More Reviews
Sri Restrictions	0.60%	$10,000	-	Learn More Reviews
First City Restrictions	0.60%	$100,000	-	Learn More Reviews
Safe Restrictions	0.60%	$100,000	-	Learn More Reviews
First U.s. Community Restrictions	0.60%	$10,000	-	Learn More Reviews
Sierra Central Restrictions	0.60%	$10,000	-	Learn More Reviews
Edwards Restrictions	0.60%	$10,000	-	Learn More Reviews
Lbs Financial Restrictions	0.60%	$100,000	-	Learn More Reviews
Gain Restrictions	0.60%	$100,000	-	Learn More Reviews
South Bay Restrictions	0.60%	$10,000	-	Learn More Reviews
Southland Restrictions	0.60%	$10,000	-	Learn More Reviews
Chabot Restrictions	0.60%	$400	-	Learn More Reviews
Siskiyou Central Cu Restrictions	0.60%	$100,000	-	Learn More Reviews
Firefighters First Restrictions	0.60%	$10,000	-	Learn More Reviews
California Coast Restrictions	0.55%	$100,000	-	Learn More Reviews
Sierra Central Restrictions	0.55%	$100,000	-	Learn More Reviews
1st Northern California Restrictions	0.55%	$100,000	-	Learn More Reviews
Orange County's Restrictions	0.55%	$100,000	-	Learn More Reviews
Baxter Restrictions	0.55%	$10,000	-	Learn More Reviews
Altura Restrictions	0.55%	$1,000	-	Learn More Reviews
First Imperial Restrictions	0.55%	$100,000	-	Learn More Reviews
First California Restrictions	0.55%	$50,000	-	Learn More Reviews
Cabrillo Restrictions	0.55%	$100,000	-	Learn More Reviews
Kinecta Restrictions	0.55%	$100,000	-	Learn More Reviews (2)
Justice Restrictions	0.50%	$10,000	-	Learn More Reviews
Corporate America Family Restrictions	0.50%	$10,000	-	Learn More Reviews
Unify Financial Restrictions	0.50%	$10,000	-	Learn More Reviews (1)
Cabrillo Restrictions	0.50%	$10,000	-	Learn More Reviews
Trugrocer Restrictions	0.50%	$100,000	-	Learn More Reviews
Kinecta Restrictions	0.50%	$10,000	-	Learn More Reviews (2)
Sesloc Restrictions	0.50%	$10,000	-	Learn More Reviews
1st Northern California Restrictions	0.50%	$50,000	-	Learn More Reviews
Los Angeles Restrictions	0.50%	$100,000	-	Learn More Reviews
Safe Restrictions	0.50%	$10,000	-	Learn More Reviews
Merco Restrictions	0.50%	$10,000	-	Learn More Reviews
Santa Clara County Restrictions	0.50%	$10,000	-	Learn More Reviews
Keypoint Restrictions	0.50%	$10,000	-	Learn More Reviews (1)
Pasadena Restrictions	0.50%	$10,000	-	Learn More Reviews
First City Restrictions	0.50%	$10,000	-	Learn More Reviews
Lbs Financial Restrictions	0.50%	$10,000	-	Learn More Reviews
First Entertainment Restrictions	0.50%	$10,000	-	Learn More Reviews
Smw 104 Restrictions	0.50%	$100,000	-	Learn More Reviews (1)
Siskiyou Central Cu Restrictions	0.50%	$10,000	-	Learn More Reviews
Eagle Community Restrictions	0.50%	$100,000	-	Learn More Reviews
First Imperial Restrictions	0.50%	$10,000	-	Learn More Reviews
Premier Community Restrictions	0.50%	$100,000	-	Learn More Reviews
Rancho Restrictions	0.47%	$10,000	-	Learn More Reviews
Ume Restrictions	0.45%	$100,000	-	Learn More Reviews
Mypoint Restrictions	0.45%	$10,000	-	Learn More Reviews
Desert Valleys Restrictions	0.45%	$100,000	-	Learn More Reviews
Bay Restrictions	0.45%	$10,000	-	Learn More Reviews
Smw 104 Restrictions	0.45%	$10,000	-	Learn More Reviews (1)
Citizens Equity First Restrictions	0.45%	$100,000	-	Learn More Reviews
Los Angeles Restrictions	0.45%	$10,000	-	Learn More Reviews
Orange County's Restrictions	0.45%	$10,000	-	Learn More Reviews
Trugrocer Restrictions	0.45%	$10,000	-	Learn More Reviews
Eagle Community Restrictions	0.45%	$10,000	-	Learn More Reviews
1st United Services Restrictions	0.40%	$10,000	-	Learn More Reviews
Self-help Restrictions	0.40%	$500	-	Learn More Reviews (1)
Desert Valleys Restrictions	0.40%	$10,000	-	Learn More Reviews
California Coast Restrictions	0.40%	$10,000	-	Learn More Reviews
Safe 1 Restrictions	0.40%	$10,000	-	Learn More Reviews
Citizens Equity First Restrictions	0.40%	$10,000	-	Learn More Reviews
La Financial Restrictions	0.40%	$100,000	-	Learn More Reviews
Pacific Service Restrictions	0.40%	$100,000	-	Learn More Reviews
Clearpath Restrictions	0.40%	$100,000	-	Learn More Reviews
Media City Restrictions	0.35%	$10,000	-	Learn More Reviews
El Monte Community Restrictions	0.35%	$10,000	-	Learn More Reviews
Valley Strong	0.35%	$10,000	-	Learn More Reviews (1)
Ume Restrictions	0.35%	$10,000	-	Learn More Reviews
Strata Restrictions	0.35%	$10,000	-	Learn More Reviews
Uncle Restrictions	0.35%	$10,000	-	Learn More Reviews
Central Coast Restrictions	0.35%	$10,000	-	Learn More Reviews
Arrowhead Central Restrictions	0.35%	$100,000	-	Learn More Reviews
American United Restrictions	0.35%	$500	-	Learn More Reviews
Tucoemas Restrictions	0.35%	$100,000	-	Learn More Reviews
Kinecta Restrictions	0.35%	$1,000	-	Learn More Reviews (2)
Gain Restrictions	0.35%	$10,000	-	Learn More Reviews
California Agribusiness Restrictions	0.30%	$10,000	-	Learn More Reviews
Heritage Community Restrictions	0.30%	$10,000	-	Learn More Reviews
Alta Vista Restrictions	0.30%	$10,000	-	Learn More Reviews
Yolo Restrictions	0.30%	$10,000	-	Learn More Reviews
Scient Restrictions	0.30%	$10,000	-	Learn More Reviews
San Francisco Fire Restrictions	0.30%	$10,000	-	Learn More Reviews
Arrowhead Central Restrictions	0.30%	$1,000	-	Learn More Reviews
Pacific Service Restrictions	0.30%	$10,000	-	Learn More Reviews
United Local Restrictions	0.30%	$100,000	-	Learn More Reviews
Central State Restrictions	0.30%	$100,000	-	Learn More Reviews
The First Financial	0.30%	$10,000	-	Learn More Reviews
Camino Restrictions	0.30%	$10,000	-	Learn More Reviews
Clearpath Restrictions	0.30%	$10,000	-	Learn More Reviews
Altaone Restrictions	0.30%	$10,000	-	Learn More Reviews
Tucoemas Restrictions	0.25%	$10,000	-	Learn More Reviews
Allus	0.25%	$10,000	-	Learn More Reviews
Premier One Restrictions	0.25%	$10,000	-	Learn More Reviews
La Financial Restrictions	0.25%	$10,000	-	Learn More Reviews
United Local Restrictions	0.25%	$10,000	-	Learn More Reviews
Central State Restrictions	0.25%	$10,000	-	Learn More Reviews
Premier Community Restrictions	0.25%	$10,000	-	Learn More Reviews
Cooperative Center Restrictions	0.20%	$10,000	-	Learn More Reviews
Mokelumne Restrictions	0.20%	$10,000	-	Learn More Reviews
Utility District Restrictions	0.15%	$10,000	-	Learn More Reviews
Monterey Restrictions	0.15%	$10,000	-	Learn More Reviews
OHIO CATHOLIC FCU Restrictions	0.15%	$100,000	-	Learn More Reviews
Partners 1st Restrictions	0.15%	$10,000	-	Learn More Reviews
Pacific Crest Restrictions	0.15%	$10,000	-	Learn More Reviews
Edu Restrictions	0.10%	$500	-	Learn More Reviews
OHIO CATHOLIC FCU Restrictions	0.10%	$500	-	Learn More Reviews

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Online Banks →

See rates for Local Banks →

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 2023

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.