California

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Credit Union CD Rates California

You are viewing rates from credit unions across California





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 - July 30, 2025

1 Year CD National Average : 0.55% ?

Credit Unions APY MIN MILES ?

Rate History: 5.50% → 5.10% → 4.90%

Rate History: 4.60% → 5.00% → 4.90% → 4.80%

Rate History: 5.00% → 4.75% → 4.50% → 5.00% → 4.75%

Rate History: 5.00% → 5.40% → 4.75% → 4.80% → 4.65%

| Sep 27, 2016

why have you not updated your rates Read More

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

Rate History: 4.85% → 4.59% → 4.64% → 4.54% → 4.26%

Rate History: 5.12% → 4.85% → 4.59% → 4.33% → 4.25%

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: 3.50% → 4.00%

Rate History: 5.00% → 4.95% → 4.85% → 4.75% → 4.00%

Rate History: 4.75% → 4.45% → 3.85% → 3.65% → 4.00%

Rate History: 4.30% → 4.00%

Rate History: 4.00% → 5.00% → 4.00%

Rate History: 4.85% → 4.70% → 3.85%

Rate History: 3.51% → 3.65% → 3.75%

| Aug 18, 2020

Excellent! Read More

Rate History: 2.70% → 3.70%

3.65%

3.50%

$100,000

$1,000

-

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Rate History: 3.15% → 4.30% → 4.55% → 4.05% → 3.56%

3.55%

3.45%

$100,000

$500

-

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3.50%

$1,000

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Rate History: 2.90% → 3.20% → 3.45%

Rate History: 4.50% → 4.00% → 3.80% → 3.65% → 3.40%

| Dec 25, 2023

I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More

Rate History: 2.40% → 3.50% → 3.45% → 3.35%

Rate History: 4.45% → 4.05% → 3.60% → 3.50% → 3.35%

| 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% → 3.75% → 3.25%

Rate History: 4.75% → 3.00%

| Feb 6, 2023

max. amt. per account thats insured under your ncua? limit on how many accts? Read More

Rate History: 4.00% → 3.50% → 4.00% → 3.00% → 2.75%

| Dec 3, 2022

You should be embarrassed for the VERY LOW interest you are paying your membership on savings accounts!!! Why would you do to this to your members. Surprised you haven’t been losing these accounts to you... Read More

| May 12, 2016

19 what, years or months Read More

Rate History: 1.96% → 2.30%

2.25%

$1,000

-

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Rate History: 4.76% → 4.24% → 3.98% → 3.52% → 2.18%

| Dec 14, 2022

Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More

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

Rate History: 1.40% → 5.00% → 4.85% → 2.20% → 1.40%

0.95%

$50,000

-

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0.95%

$100,000

-

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0.90%

$100,000

-

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0.90%

$1,000

-

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0.90%

$100,000

-

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0.85%

$100,000

-

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0.85%

$100,000

-

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0.80%

$100,000

-

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0.80%

$10,000

-

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0.80%

$100,000

-

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0.80%

$100,000

-

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Usc

Usc Branch
Restrictions

0.80%

$100,000

-

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0.80%

$100,000

-

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0.80%

$10,000

-

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0.75%

$10,000

-

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0.75%

$100,000

-

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0.75%

$10,000

-

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0.75%

$10,000

-

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0.75%

$10,000

-

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0.75%

$10,000

-

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| Aug 21, 2020

What is San Mateo's SWIFT code? Read More

Rate History: 0.65% → 0.75%

0.75%

$10,000

-

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0.75%

$100,000

-

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0.75%

$10,000

-

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0.75%

$100,000

-

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0.70%

$100,000

-

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0.70%

$100,000

-

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0.70%

$10,000

-

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Usc

Usc Branch
Restrictions

0.70%

$10,000

-

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0.70%

$10,000

-

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0.70%

$100,000

-

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0.70%

$10,000

-

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0.70%

$10,000

-

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0.70%

$10,000

-

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0.70%

$10,000

-

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0.70%

$100,000

-

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0.70%

$10,000

-

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0.68%

$10,000

-

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0.65%

$10,000

-

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0.65%

$10,000

-

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0.65%

$10,000

-

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| Dec 3, 2021

When a Credit Union targets homeless people and steals money from a homeless persons account without their consent is disgusting. I am currently homeles and have noticed unauthorized charges going to my ac... Read More

0.65%

$10,000

-

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0.65%

$10,000

-

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0.65%

$100,000

-

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0.65%

$10,000

-

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0.65%

$10,000

-

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0.65%

$10,000

-

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0.65%

$1,000

-

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0.60%

$10,000

-

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0.60%

$100,000

-

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0.60%

$10,000

-

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0.60%

$10,000

-

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0.60%

$10,000

-

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0.60%

$100,000

-

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0.60%

$10,000

-

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0.60%

$10,000

-

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0.60%

$10,000

-

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0.60%

$100,000

-

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Sri

Sri Branch
Restrictions

0.60%

$10,000

-

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0.60%

$100,000

-

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0.60%

$10,000

-

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0.60%

$10,000

-

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0.60%

$10,000

-

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0.60%

$100,000

-

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0.60%

$100,000

-

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0.60%

$10,000

-

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0.60%

$10,000

-

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0.60%

$400

-

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0.60%

$100,000

-

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0.55%

$100,000

-

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0.55%

$100,000

-

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0.55%

$100,000

-

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0.55%

$100,000

-

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0.55%

$100,000

-

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0.55%

$50,000

-

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0.55%

$100,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$100,000

-

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0.50%

$10,000

-

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0.50%

$50,000

-

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0.50%

$100,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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| Nov 4, 2018

HSA account only earns .25% on any balance. Read More

0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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| Feb 6, 2024

During my membership with First Entertainment Credit Union, I experienced a less than optimal situation. The treatment I received as an employee was unsatisfactory, characterized by managerial inefficiency... Read More

| Dec 17, 2022

Let me start by saying, this is a garbage institution. They do not carry cash at all. You have to go to another bank to withdraw the cash from your own account. What is the point of having an account here?... Read More

0.50%

$10,000

-

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0.50%

$100,000

-

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0.50%

$10,000

-

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0.50%

$100,000

-

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0.47%

$10,000

-

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0.45%

$100,000

-

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0.45%

$10,000

-

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0.45%

$100,000

-

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Bay

Bay Branch
Restrictions

0.45%

$10,000

-

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| Dec 17, 2022

Let me start by saying, this is a garbage institution. They do not carry cash at all. You have to go to another bank to withdraw the cash from your own account. What is the point of having an account here?... Read More

0.45%

$10,000

-

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0.45%

$10,000

-

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0.45%

$10,000

-

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0.45%

$10,000

-

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0.40%

$10,000

-

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0.40%

$10,000

-

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0.40%

$10,000

-

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0.40%

$100,000

-

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0.40%

$100,000

-

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0.40%

$100,000

-

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0.35%

$10,000

-

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0.35%

$10,000

-

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| Sep 12, 2020

What's the swift code Read More

0.35%

$10,000

-

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0.35%

$10,000

-

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0.35%

$10,000

-

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0.35%

$10,000

-

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0.35%

$100,000

-

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0.35%

$500

-

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0.35%

$100,000

-

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0.35%

$10,000

-

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0.30%

$10,000

-

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0.30%

$10,000

-

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0.30%

$10,000

-

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0.30%

$10,000

-

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Scient


Restrictions

0.30%

$10,000

-

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0.30%

$10,000

-

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0.30%

$1,000

-

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0.30%

$10,000

-

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0.30%

$100,000

-

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0.30%

$100,000

-

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0.30%

$10,000

-

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0.30%

$10,000

-

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0.30%

$10,000

-

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0.30%

$10,000

-

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| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

0.25%

$10,000

-

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0.25%

$10,000

-

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0.25%

$10,000

-

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0.25%

$10,000

-

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0.25%

$10,000

-

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0.25%

$10,000

-

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0.25%

$10,000

-

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0.20%

$10,000

-

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0.20%

$10,000

-

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0.15%

$10,000

-

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0.15%

$10,000

-

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0.15%

$10,000

-

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0.15%

$10,000

-

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Edu


Restrictions

0.10%

$500

-

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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 zip 10116


Branch Street City State
L.A. HEALTHCARE
L.a. Healthcare L.a. Healthcare Branch
637 S. LUCAS AVE SUITE #510 LOS ANGELES CA
BLUPEAK
University & State E University & State E Branch
10120 Pacific Heights Blvd. San Diego CA
STANFORD
Medical Center Medical Center Branch
300 Pasteur Dr Stanford CA
SPECTRUM
Spectrum Spectrum Branch
315 Montgomery St, Second Fl San Francisco CA
SPECTRUM
Spectrum Spectrum Branch
315 Montgomery St, Second Fl San Francisco CA
OCEANAIR
Cbc Cbc Branch
2151 E. GONZALES RD. OXNARD CA
L.A. HEALTHCARE
L.a. Healthcare L.a. Healthcare Branch
637 S. LUCAS AVE SUITE #510 LOS ANGELES CA
SPECTRUM
Spectrum Spectrum Branch
315 Montgomery St, Second Fl San Francisco CA
SELF-HELP
Self-help Self-help Branch
1836 Bay Road, Suite B East Palo Alto CA
COMMUNITY FIRST
Mendo Lake Mendo Lake Branch
526 S. State St Ukiah CA
SCHOOLSFIRST
Schoolsfirst Schoolsfirst Branch
2115 N Broadway Santa Ana CA
NORTHROP GRUMMAN
Northrop Grumman Northrop Grumman Branch
879 W. 190th Street Gardena CA
SCHOOLSFIRST
Schoolsfirst Schoolsfirst Branch
2115 N Broadway Santa Ana CA
SCHOOLSFIRST
Schoolsfirst Schoolsfirst Branch
2115 N Broadway Santa Ana CA
SCHOOLSFIRST
Schoolsfirst Schoolsfirst Branch
2115 N Broadway Santa Ana CA
AMERICAN AIRLINES
Aafcu - Lax Aafcu - Lax Branch
400 World Way Los Angeles CA
NORTHROP GRUMMAN
Northrop Grumman Northrop Grumman Branch
879 W. 190th Street Gardena CA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
1824 Marron ST.,, Suite 112, The North County Plaz Carlsbad CA
TECHNOLOGY
Technology Technology Branch
2010 NORTH FIRST STREET SAN JOSE CA
CHEVRON
Chevron Chevron Branch
475 14TH ST 9TH FL OAKLAND CA
GLOBAL
Alaska Usa Alaska Usa Branch
15961 Apple Valley Road Apple Valley CA
CALIFORNIA
Beaudry Beaudry Branch
333 S BEAUDRY AVE STE 213 LOS ANGELES CA
PREMIER AMERICA
Corporate Headquarters Corporate Headquarters Branch
19867 Prairie St Chatsworth CA
L.A. HEALTHCARE
L.a. Healthcare L.a. Healthcare Branch
637 S. LUCAS AVE SUITE #510 LOS ANGELES CA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
1824 Marron ST.,, Suite 112, The North County Plaz Carlsbad CA
AMERICAN AIRLINES
Aafcu - Lax Aafcu - Lax Branch
400 World Way Los Angeles CA
PARTNERS
Gc3 Branch Gc3 Branch
1201 Flower St Glendale CA
STAR ONE
Star One Star One Branch
1306 Bordeaux Drive Sunnyvale CA
REDWOOD
Redwood Redwood Branch
3033 CLEVELAND AVENUE SANTA ROSA CA
MISSION
Mission Mission Branch
5785 Oberlin Drive San Diego CA
MISSION
Mission Mission Branch
5785 Oberlin Drive San Diego CA
FINANCIAL PARTNERS
Financial Partners Financial Partners Branch
7800 E. Imperial Highway Downey CA
NUVISION
Nuvision Nuvision Branch
7812 Edinger Ave Huntington Beac CA
MISSION
Mission Mission Branch
5785 Oberlin Drive San Diego CA
NUVISION
Nuvision Nuvision Branch
7812 Edinger Ave Huntington Beac CA
CITIZENS EQUITY FIRST
Citizens Equity Firs Citizens Equity Firs Branch
2980 E. Capitol Expressway, Suite 90 San Jose CA
NUVISION
Nuvision Nuvision Branch
7812 Edinger Ave Huntington Beac CA
THE GOLDEN 1
The Golden 1 The Golden 1 Branch
8945 CAL CENTER DRIVE SACRAMENTO CA
CITIZENS EQUITY FIRST
Citizens Equity Firs Citizens Equity Firs Branch
2980 E. Capitol Expressway, Suite 90 San Jose CA
FRONTWAVE
Pacific Marine Pacific Marine Branch
MCX Complex, Building CU - 1105 Camp Pendleton CA
NUVISION
Nuvision Nuvision Branch
7812 Edinger Ave Huntington Beac CA
FINANCIAL PARTNERS
Financial Partners Financial Partners Branch
7800 E. Imperial Highway Downey CA
THE GOLDEN 1
The Golden 1 The Golden 1 Branch
8945 CAL CENTER DRIVE SACRAMENTO CA
CREDIT UNION OF SOUTHERN CALIFORNIA
Credit Union Of Sout Credit Union Of Sout Branch
10 Pointe Dr., Suite 330 Brea CA
EDUCATIONAL EMPLOYEES
Educational Employee Educational Employee Branch
2222 W. SHAW AVE. FRESNO CA
LOGIX
Burbank Burbank Branch
2340 N Hollywood Way Burbank CA
FIRST TECHNOLOGY
Addison Avenue Addison Avenue Branch
3408 HILLVIEW AVE PALO ALTO CA
KINECTA
Kinecta Kinecta Branch
1440 Rosecrans Ave Manhattan Beach CA
EDUCATIONAL EMPLOYEES
Educational Employee Educational Employee Branch
2222 W. SHAW AVE. FRESNO CA
EDUCATIONAL EMPLOYEES
Educational Employee Educational Employee Branch
2222 W. SHAW AVE. FRESNO CA
PARTNERS
Gc3 Branch Gc3 Branch
1201 Flower St Glendale CA
LOGIX
Burbank Burbank Branch
2340 N Hollywood Way Burbank CA
FARMERS INSURANCE
Farmers Insurance Gr Farmers Insurance Gr Branch
4601 Wilshire Blvd Los Angeles CA
EDUCATIONAL EMPLOYEES
Educational Employee Educational Employee Branch
2222 W. SHAW AVE. FRESNO CA
KINECTA
Kinecta Kinecta Branch
1440 Rosecrans Ave Manhattan Beach CA
LOGIX
Burbank Burbank Branch
2340 N Hollywood Way Burbank CA
PATELCO
Roseville Roseville Branch
5040 Foothills Blvd Roseville CA
WESCOM CENTRAL
Wescom Central Wescom Central Branch
123 S Marengo Ave Pasadena CA
SAFE
North Natomas North Natomas Branch
2200 Del Paso Rd Sacramento CA
CENTRAL VALLEY FIREFIGHTERS
Fresno Fire Departme Fresno Fire Departme Branch
5300 N FRESNO STREET FRESNO CA
SAFE
North Natomas North Natomas Branch
2200 Del Paso Rd Sacramento CA
UNIFY FINANCIAL
Oxnard-gonzales Oxnard-gonzales Branch
1690 E Gonzales Rd Oxnard CA
PROVIDENT
Provident Provident Branch
303 Twin Dolphin Drive Redwood City CA
UNIFY FINANCIAL
Oxnard-gonzales Oxnard-gonzales Branch
1690 E Gonzales Rd Oxnard CA
SAFEAMERICA
Safeamerica Safeamerica Branch
6001 GIBRALTAR DRIVE PLEASANTON CA
PROVIDENT
Provident Provident Branch
303 Twin Dolphin Drive Redwood City CA
UNIFY FINANCIAL
Oxnard-gonzales Oxnard-gonzales Branch
1690 E Gonzales Rd Oxnard CA
PROVIDENT
Provident Provident Branch
303 Twin Dolphin Drive Redwood City CA
PROVIDENT
Provident Provident Branch
303 Twin Dolphin Drive Redwood City CA
SAFE 1
Safe 1 Safe 1 Branch
1400 Mill Rock Way Bakersfield CA
BAXTER
Baxter Baxter Branch
250 S. Kraemer Blvd Brea CA
SAN DIEGO COUNTY
San Diego County San Diego County Branch
6545 SEQUENCE DRIVE SAN DIEGO CA
TRAVIS
Merced Branch Merced Branch
1194 W Olive Ave Merced CA
TRAVIS
Merced Branch Merced Branch
1194 W Olive Ave Merced CA
F & A
F & A F & A Branch
2625 CORPORATE PLACE MONTEREY PARK CA
OPERATING ENGINEERS LOCAL UNION #3
Operating Engineers Operating Engineers Branch
250 North Canyons Parkway Livermore CA
SUNWARD
Sandia Laboratory Sandia Laboratory Branch
39 South Livermore Ave, Suite 101 Livermore CA
F & A
F & A F & A Branch
2625 CORPORATE PLACE MONTEREY PARK CA
HONDA
Honda Honda Branch
19701 Hamilton Ave., Ste 130 Torrance CA
CERTIFIED
Vons Employees Vons Employees Branch
4455 Arden Dr. El Monte CA
COASTHILLS
Vandenerg Air Force Base Vandenerg Air Force Base Branch
100 COMMUNITY LOOP VANDENBERG AFB CA
AIRCO
Airco Airco Branch
6265 San Fernando RD Glendale CA
THINKWISE
San Bernardino Schoo San Bernardino Schoo Branch
2441 North Sierra Way San Bernardino CA
NOBLE
Fresno County Fresno County Branch
2580 W Shaw Lane Fresno CA
CHAFFEY
Chaffey Chaffey Branch
410 N Lemon Ontario CA
USC
Usc Usc Branch
3720 S Flower Street 4th Floor Los Angeles CA
ENERGY ONE
Energy One Energy One Branch
10000 Stockdale Hwy, Ste 103 Bakersfield CA
HONDA
Honda Honda Branch
19701 Hamilton Ave., Ste 130 Torrance CA
EAST COUNTY SCHOOLS
Grossmont Schools Grossmont Schools Branch
1069 Graves Avenue Suite 100 El Cajon CA
INTERFAITH
United Methodist United Methodist Branch
5405 E Arrow Hwy Suite 104 Montclair CA
FAMILIES AND SCHOOLS TOGETHER
Lemoore Branch Lemoore Branch
200 Follett St Lemoore CA
NOBLE
Fresno County Fresno County Branch
2580 W Shaw Lane Fresno CA
EXCITE
Alliance Alliance Branch
3315 ALMADEN EXPRESSWAY STE 55 SAN JOSE CA
MENLO SURVEY
Menlo Survey Menlo Survey Branch
345 MIDDLEFIELD ROAD MENLO PARK CA
MONTERRA
San Mateo San Mateo Branch
350 CONVENTION WAY REDWOOD CITY CA
ALTURA
Altura Altura Branch
2847 Campus Parkway Riverside CA
TOGETHER
Anheuser-busch Emplo Anheuser-busch Emplo Branch
2351 N. Watney Way Suite A Fairfield CA
FIRST CALIFORNIA
First California First California Branch
2525 E. Shields Avenue Fresno CA
AMERICAN FIRST
American First American First Branch
700 N. HARBOR BLVD LA HABRA CA
LASSEN COUNTY
Lassen County Lassen County Branch
2605 RIVERSIDE DR SUSANVILLE CA
UNIVERSAL CITY STUDIOS
Universal City Studi Universal City Studi Branch
90 Universal City Plaza Universal City CA
SUN COMMUNITY
Sun Community Sun Community Branch
1068 Broadway El Centro CA
KINGS
Kings Kings Branch
1415 W Lacey Blvd Hanford CA
USC
Usc Usc Branch
3720 S Flower Street 4th Floor Los Angeles CA
TULARE COUNTY
Tulare Corporate Branch Tulare Corporate Branch
300 N K St Tulare CA
SACRAMENTO
Sacramento Sacramento Branch
800 H STREET SACRAMENTO CA
UKRAINIAN
Ukrainian Ukrainian Branch
6029 San Juan Ave Citrus Heights CA
ENERGY ONE
Energy One Energy One Branch
10000 Stockdale Hwy, Ste 103 Bakersfield CA
RIZE
Ontario Branch Ontario Branch
975 N Haven Ave Ontario CA
MERIWEST
Corporate Office- San Jose Corporate Office- San Jose Branch
5615 Chesbro Ave San Jose CA
SOUTHLAND
Southland Southland Branch
10701 Los Alamitos Blvd Los Alamitos CA
CERTIFIED
Vons Employees Vons Employees Branch
4455 Arden Dr. El Monte CA
VALLEY FIRST
Valley First Valley First Branch
1005 W ORANGEBURG MODESTO CA
GEICO
Geico Geico Branch
14111 DANIELSON STREET POWAY CA
OPERATING ENGINEERS LOCAL UNION #3
Operating Engineers Operating Engineers Branch
250 North Canyons Parkway Livermore CA
INTERFAITH
United Methodist United Methodist Branch
5405 E Arrow Hwy Suite 104 Montclair CA
VENTURA COUNTY
Ventura County Ventura County Branch
6026 Telephone Road Ventura CA
SACRAMENTO
Sacramento Sacramento Branch
800 H STREET SACRAMENTO CA
LASSEN COUNTY
Lassen County Lassen County Branch
2605 RIVERSIDE DR SUSANVILLE CA
FIRST U.S. COMMUNITY
First U.s. Community First U.s. Community Branch
580 UNIVERSITY AVE SACRAMENTO CA
CHAFFEY
Chaffey Chaffey Branch
410 N Lemon Ontario CA
COASTHILLS
Vandenerg Air Force Base Vandenerg Air Force Base Branch
100 COMMUNITY LOOP VANDENBERG AFB CA
ALTURA
Altura Altura Branch
2847 Campus Parkway Riverside CA
CAPSTONE
Capstone Capstone Branch
3 POLARIS WAY, SUITE 31B ALISO VIEJO CA
SILVERADO
Silverado Silverado Branch
1 Angwin Plaza Angwin CA
AIRCO
Airco Airco Branch
6265 San Fernando RD Glendale CA
JUSTICE
Justice Justice Branch
9797 Aero Drive San Diego CA
SUNWARD
Sandia Laboratory Sandia Laboratory Branch
39 South Livermore Ave, Suite 101 Livermore CA
SAN DIEGO FIREFIGHTERS
San Diego Firefighte San Diego Firefighte Branch
4926 La Cuenta Drive San Diego CA
SUN COMMUNITY
Sun Community Sun Community Branch
1068 Broadway El Centro CA
MEDIA CITY
Media City Community Media City Community Branch
1020 West Olive Avenue Burbank CA
XCEED FINANCIAL
Xceed Financial Xceed Financial Branch
888 NORTH NASH STREET EL SEGUNDO CA
COMMONWEALTH CENTRAL
Commonwealth Central Commonwealth Central Branch
5890 SILVER CREEK VALLEY ROAD SAN JOSE CA
UNIVERSAL CITY STUDIOS
Universal City Studi Universal City Studi Branch
90 Universal City Plaza Universal City CA
PASADENA
Pasadena Pasadena Branch
1038 South Fair Oaks Avenue Pasadena CA
SRI
Sri Sri Branch
333 RAVENSWOOD AVE MENLO PARK CA
FIRST CITY
First City First City Branch
717 W Temple St Los Angeles CA
FIRST U.S. COMMUNITY
First U.s. Community First U.s. Community Branch
580 UNIVERSITY AVE SACRAMENTO CA
SIERRA CENTRAL
Marysville Branch Marysville Branch
422 4th St Marysville CA
EDWARDS
Edwards Edwards Branch
10 South Muroc Drive Edwards CA
LBS FINANCIAL
Lbs Financial Lbs Financial Branch
5505 Garden Grove Blvd Westminster CA
GAIN
Burbank City Burbank City Branch
1800 W. Magnolia Blvd Burbank CA
SOUTH BAY
South Bay South Bay Branch
2304 Artesia Blvd. Redondo Beach CA
SOUTHLAND
Southland Southland Branch
10701 Los Alamitos Blvd Los Alamitos CA
CHABOT
Chabot Chabot Branch
7080 Donlon Way, Ste 100 Dublin CA
SISKIYOU
Siskiyou Central Cu Siskiyou Central Cu Branch
845 FOURTH STREET YREKA CA
CALIFORNIA COAST
California Coast California Coast Branch
9201 Spectum Center Boulevard San Diego CA
SIERRA CENTRAL
Marysville Branch Marysville Branch
422 4th St Marysville CA
1ST NORTHERN CALIFORNIA
Martinez Martinez Branch
1111 Pine St Martinez CA
ORANGE COUNTY'S
Orange County's Orange County's Branch
1701 E. St. Andrew Place Santa Ana CA
FIRST IMPERIAL
First Imperial First Imperial Branch
1602 West Main Street El Centro CA
FIRST CALIFORNIA
First California First California Branch
2525 E. Shields Avenue Fresno CA
CABRILLO
Carlsbad Branch Carlsbad Branch
5814 Van Allen Way Carlsbad CA
JUSTICE
Justice Justice Branch
9797 Aero Drive San Diego CA
CABRILLO
Carlsbad Branch Carlsbad Branch
5814 Van Allen Way Carlsbad CA
TRUGROCER
Trugrocer Trugrocer Branch
341 E. Imperial Highway Fullerton CA
SESLOC
Sesloc Sesloc Branch
11491 LOS OSOS VALLEY ROAD SAN LUIS OBISPO CA
1ST NORTHERN CALIFORNIA
Martinez Martinez Branch
1111 Pine St Martinez CA
LOS ANGELES
Los Angeles Los Angeles Branch
300 S Glendale Avenue Glendale CA
MERCO
Merco Merco Branch
1911 M Street Merced CA
MIRASTAR
Santa Clara County Santa Clara County Branch
1641 North First Street, Suite 245 San Jose CA
KEYPOINT
Keypoint Keypoint Branch
2805 Bowers Avenue Santa Clara CA
PASADENA
Pasadena Pasadena Branch
1038 South Fair Oaks Avenue Pasadena CA
FIRST CITY
First City First City Branch
717 W Temple St Los Angeles CA
LBS FINANCIAL
Lbs Financial Lbs Financial Branch
5505 Garden Grove Blvd Westminster CA
FIRST ENTERTAINMENT
Culver City Branch - Br#2 Culver City Branch - Br#2
10000 Washington Blvd Culver City CA
SMW 104
Smw 104 Smw 104 Branch
1750 Abram Ct. San Leandro CA
SISKIYOU
Siskiyou Central Cu Siskiyou Central Cu Branch
845 FOURTH STREET YREKA CA
EAGLE COMMUNITY
Eagle Community Eagle Community Branch
23021 Lake Center Drive Lake Forest CA
FIRST IMPERIAL
First Imperial First Imperial Branch
1602 West Main Street El Centro CA
PREMIER COMMUNITY
Premier Community Premier Community Branch
3315 W. Benjamin Holt Drive Stockton CA
RANCHO
Rancho Rancho Branch
12620 Erickson Ave Ste H Downey CA
UME
Burbank Community Burbank Community Branch
3000 W. Magnolia Blvd. Burbank CA
MYPOINT
Carlsbad Branch Carlsbad Branch
6971 El Camino Real Carlsbad CA
DESERT VALLEYS
Desert Valleys Desert Valleys Branch
100 E ward Ridgecrest CA
BAY
Bay Bay Branch
3333 CLARES ST CAPITOLA CA
SMW 104
Smw 104 Smw 104 Branch
1750 Abram Ct. San Leandro CA
LOS ANGELES
Los Angeles Los Angeles Branch
300 S Glendale Avenue Glendale CA
ORANGE COUNTY'S
Orange County's Orange County's Branch
1701 E. St. Andrew Place Santa Ana CA
TRUGROCER
Trugrocer Trugrocer Branch
341 E. Imperial Highway Fullerton CA
EAGLE COMMUNITY
Eagle Community Eagle Community Branch
23021 Lake Center Drive Lake Forest CA
1ST UNITED
1st United Services 1st United Services Branch
5901 GIBRALTAR DRIVE NORTH PLEASANTON CA
DESERT VALLEYS
Desert Valleys Desert Valleys Branch
100 E ward Ridgecrest CA
CALIFORNIA COAST
California Coast California Coast Branch
9201 Spectum Center Boulevard San Diego CA
LA FINANCIAL
La Financial La Financial Branch
1520 W Colorado Blvd Pasadena CA
PACIFIC SERVICE
Pacific Service Pacific Service Branch
2850 Shadelands Dr Walnut Creek CA
CLEARPATH
Clearpath Clearpath Branch
340 Arden Ave Glendale CA
MEDIA CITY
Media City Community Media City Community Branch
1020 West Olive Avenue Burbank CA
EL MONTE COMMUNITY
El Monte City Employ El Monte City Employ Branch
11718 Ramona Blvd El Monte CA
UME
Burbank Community Burbank Community Branch
3000 W. Magnolia Blvd. Burbank CA
STRATA
Kern Kern Branch
1717 Truxtun Ave. Bakersfield CA
UNCLE
Uncle Uncle Branch
2100 LAS POSITAS COURT LIVERMORE CA
CENTRAL COAST
Central Coast Central Coast Branch
4242 Gigling Road Seaside CA
ARROWHEAD CENTRAL
Arrowhead Central Arrowhead Central Branch
550 EAST HOSPITALITY LANE, SUITE #2 SAN BERNARDINO CA
AMERICAN UNITED
American United Fami American United Fami Branch
49750 Seminole Drive Cabazon CA
TUCOEMAS
Whitendale Whitendale Branch
2300 W Whitendale Ave Visalia CA
GAIN
Burbank City Burbank City Branch
1800 W. Magnolia Blvd Burbank CA
CENTER CITY COMMUNITY
California Agribusin California Agribusin Branch
6281 Beach Blvd., Suite 87 Buena Park CA
HERITAGE COMMUNITY
Heritage Community Heritage Community Branch
10415 Old Placerville Rd Sacramento CA
ALTA VISTA
Alta Vista Alta Vista Branch
1425 W. LUGONIA AVE REDLANDS CA
YOLO
Yolo Yolo Branch
266 W Main Woodland CA
SAN FRANCISCO FIRE
San Francisco Fire San Francisco Fire Branch
3201 California Street San Francisco CA
ARROWHEAD CENTRAL
Arrowhead Central Arrowhead Central Branch
550 EAST HOSPITALITY LANE, SUITE #2 SAN BERNARDINO CA
PACIFIC SERVICE
Pacific Service Pacific Service Branch
2850 Shadelands Dr Walnut Creek CA
UNITED LOCAL
United Local United Local Branch
3650 E Ashlan Ave Fresno CA
CENTRAL STATE
Central State Central State Branch
919 N Center St Stockton CA
THE FIRST FINANCIAL
West Covina Branch West Covina Branch
2530 E Workman Ave West Covina CA
CAMINO
Montebello Montebello Branch
520 N Taylor Ave Montebello CA
CLEARPATH
Clearpath Clearpath Branch
340 Arden Ave Glendale CA
ALTAONE
Altaone Altaone Branch
701 S. China Lake Ridgecrest CA
TUCOEMAS
Whitendale Whitendale Branch
2300 W Whitendale Ave Visalia CA
ALLUS
Monterey County Empl Monterey County Empl Branch
20 W. MARKET STREET SALINAS CA
PREMIER ONE
National 1st National 1st Branch
2999 SAN YSIDRO WY SANTA CLARA CA
LA FINANCIAL
La Financial La Financial Branch
1520 W Colorado Blvd Pasadena CA
UNITED LOCAL
United Local United Local Branch
3650 E Ashlan Ave Fresno CA
CENTRAL STATE
Central State Central State Branch
919 N Center St Stockton CA
PREMIER COMMUNITY
Premier Community Premier Community Branch
3315 W. Benjamin Holt Drive Stockton CA
COOPERATIVE CENTER
Cooperative Center Cooperative Center Branch
2001 ASHBY AVE BERKELEY CA
MOKELUMNE
Mokelumne Mokelumne Branch
531 N. Mills Ave. Lodi CA
UTILITY DISTRICT
Utility District Utility District Branch
375 11th Street, STE 203 Oakland CA
MONTEREY
Monterey Monterey Branch
501 E. FRANKLIN AVE MONTEREY CA
PARTNERS 1ST
Partners 1st Partners 1st Branch
c/o NXP, 1151 McKay Drive San Jose CA
PACIFIC CREST
Dorris Branch Dorris Branch
201 W Third Street Dorris 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

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates