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CD Rate Trends

Biola, California Best CD Rates September 2026

Current Biola, California CD rates include Schools Federal Credit UnionSchools Federal Credit UnionA+5.0 ★Texas Ratio: 1.69%Real return: +3.10%APY minus CPI (February 2026) offering Relationship Certificate (12 months) at 5.90% APY, Stanford Federal Credit UnionStanford Federal Credit UnionA+5.0 ★Texas Ratio: 0.97%Real return: +1.90%APY minus CPI (February 2026) offering 12-Month Certificate at 4.70% APY, Corazo Credit UnionCorazo Credit UnionA5.0 ★Texas Ratio: 9.00%Real return: +1.75%APY minus CPI (February 2026) offering 60 Month Jumbo Certificate at 4.55% APY, Habib American HAB BankHabib American HAB BankA+5.0 ★Texas Ratio: 5.54%Real return: +1.70%APY minus CPI (February 2026) offering 12 Month Certificate at 4.50% APY, and Happen BankHappen BankA+5.0 ★Texas Ratio: 4.05%Real return: +1.60%APY minus CPI (February 2026) offering 2 Year Consumer Certificate of Deposit at 4.40% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.

Biola is a smaller community with no bank or credit union branches currently in our database. 740 institutions serving the California area are available to Biola residents, with CD rates as high as 5.90% APY from Schools Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026

Compare Best CD Rates in Biola, California & the Surrounding Area

Biola 3 Month CD Rates

National 3 Month CD Average2.06% APY▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month Certificate
$0
4.50% ▲ 2.44% above national avg
Rate4.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 2.44% above avg
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.32% ▲ 2.26% above national avg
Rate4.25%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.26% above avg
Details

UP to $99,999.99

Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3 Month Share Certificate
$0
4.00% ▲ 1.94% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details

Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.

Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3-Month Certificate
$0
4.00% ▲ 1.94% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details

No minimum deposit.

Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
3-MONTH CD
$0
4.00% ▲ 1.94% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details

Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80% ▲ 1.74% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details

Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
3 Month IRA Pick-A-Term Certificate
$10,000
3.75% ▲ 1.69% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% above avg
Details

Limited-time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, each Pick-A-Term Certificate renews to the same term at the fixed rate in effect at that time.

Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
3 Month Pick-A-Term Certificate
$10,000
3.75% ▲ 1.69% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% above avg
Details

Limited-time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, each Pick-A-Term Certificate renews to the same term at the fixed rate in effect at that time.

Credit Union of Southern California
3 Month Certificate
$500
3.75% ▲ 1.69% above national avg
Rate3.69%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% above avg
Details

Rewards+ Loyalty Program

Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3-Months CD
$1,000
3.70% ▲ 1.64% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.64% above avg
Details

Interest is not compounded. Interest will be credited to your account at maturity.

Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
90 Day Certificate Account and IRA Account
$100,000
3.65% ▲ 1.59% above national avg
Rate3.60%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.59% above avg
Details

Minimum: $100,000 per member maximum; Balance: $10,000 and over

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Business Liquid Certificate
$0
3.65% ▲ 1.59% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.59% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Liquid Certificate
$0
3.65% ▲ 1.59% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.59% above avg
Details

EverBank
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
3 Month Performance CDs
$0
3.60% ▲ 1.54% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details

Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
3 Month IRA Pick-A-Term
$0
3.60% ▲ 1.54% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.54% above avg
Details

Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
3 Month Pick-A-Term
$0
3.60% ▲ 1.54% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.54% above avg
Details

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
3 Month Share Certificate
$0
3.60% ▲ 1.54% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.54% above avg
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55% ▲ 1.49% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details

Earn 3.55% APY on balances of $500 or more. Account matures in 3 months.

City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month CD
$1,000
3.50% ▲ 1.44% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details

City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month IRA CD (91-Day)
$1,000
3.50% ▲ 1.44% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
3 Month Term Certificates
$0
3.50% ▲ 1.44% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.44% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Business Certificates
$0
3.50% ▲ 1.44% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Certificate
$0
3.50% ▲ 1.44% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Consumer Certificates
$0
3.50% ▲ 1.44% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Jumbo Certificates or more)
$0
3.50% ▲ 1.44% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details

$95,000

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.50% ▲ 1.44% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
3 Month Share Certificates - Jumbo
$0
3.50% ▲ 1.44% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details

Over $90,000

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
3 Month Share Certificates - Gold Minimum
$0
3.45% ▲ 1.39% above national avg
Rate3.39%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.39% above avg
Details

$50,000

Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
90 Day Certificate Account and IRA Account
$100,000
3.40% ▲ 1.34% above national avg
Rate3.35%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.34% above avg
Details

Minimum: $100,000 per member maximum; Balance: $1,000-$9,999.99

San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3 Month Share Certificate
$0
3.40% ▲ 1.34% above national avg
Rate3.36%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.34% above avg
Details

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
3 Month Share Certificates - Silver Minimum
$0
3.40% ▲ 1.34% above national avg
Rate3.34%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.34% above avg
Details

$20,000

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
3 Month Share Certificates - Bronze Minimum
$0
3.35% ▲ 1.29% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.29% above avg
Details

$2,500

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month Certificate
$0
3.30% ▲ 1.24% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.24% above avg
Details

Fremont Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
3 Month CD
$0
3.25% ▲ 1.19% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.19% above avg
Details

Balance: $2,500 up to $49,999

Murphy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3 Month Fixed Rate Certificate of Deposit (CD)
$0
3.25% ▲ 1.19% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.19% above avg
Details

USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3 Month Share Certificates
$0
3.25% ▲ 1.19% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.19% above avg
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3 Month Share Certificate Account
$0
3.20% ▲ 1.14% above national avg
Rate3.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.14% above avg
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3-Month Certificate
$0
3.15% ▲ 1.09% above national avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.09% above avg
Details

La Loma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Month Share Certificates
$0
3.15% ▲ 1.09% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.09% above avg
Details

Balance: $100,000+

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3 Month Share Certificate Accounts and IRA Share Certificates
$0
3.15% ▲ 1.09% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.09% above avg
Details

Biola 6 Month CD Rates

National 6 Month CD Average2.77% APY▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 Month Certificate
$0
4.50% ▲ 1.73% above national avg
Rate4.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.73% above avg
Details

Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6 Month Certificate
$500
4.25% ▲ 1.48% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.48% above avg
Details

Summer Certificate Specials. Limited time.

Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6 Month Term Certificates
$0
4.25% ▲ 1.48% above national avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.48% above avg
Details

Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6 months CD
$500
4.25% ▲ 1.48% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.48% above avg
Details

Summer CD Specials

Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
6 Month Birthday Promo
$500
4.25% ▲ 1.48% above national avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.48% above avg
Details

Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6 Month Consumer Certificate of Deposit
$500
4.20% ▲ 1.43% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.43% above avg
Details

Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
6 Month "New Money" CD
$1,000
4.15% ▲ 1.38% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.38% above avg
Details

New Money is defined as funds not currently on deposit. Early withdrawal penalties may apply.

San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
6 Month Share Certificate
$0
4.10% ▲ 1.33% above national avg
Rate4.04%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.33% above avg
Details

Fontana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
6 Months Certificate
$0
4.07% ▲ 1.30% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.30% above avg
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.04% ▲ 1.27% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.27% above avg
Details

UP to $99,999.99

Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
6 Month Share Certificate
$0
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details

Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.

City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Special 6-Month Fixed Rate
$0
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details

Term: Special 6-Month Fixed Rate2

Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
6-MONTH CD
$0
4.00% ▲ 1.23% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details

Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
IRA CD - 6-MONTH
$0
4.00% ▲ 1.23% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details

Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
6 Month Business Term Certificate Promo
$0
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
6-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month Share Certificate
$0
4.00% ▲ 1.23% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details

$50,000 & up; Dividends Paid Monthly

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
6-Month Promotional IRA Share Certificate
$0
4.00% ▲ 1.23% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details

Term: 6-Month Promotional IRA Share Certificate

Credit Union of Southern California
6 Month Certificate
$500
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.23% above avg
Details

Rewards+ Loyalty Program

Ventura County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
6 Month Business Fixed Rate Certificate
$0
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.23% above avg
Details

Balance: $1,000/+ Dividend Rate

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
6-month Certificate
$0
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.13% above avg
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
6-Month Add-On Promotional Share Certificate
$500
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details

Additional deposits up to the initial opening deposit amount can be made at any time without penalty.

Bank of the Orient
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
6-MONTH CD
$0
3.88% ▲ 1.11% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.11% above avg
Details

Balance: $100,000 AND ABOVE

Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
6-month Share Certificate
$0
3.85% ▲ 1.08% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details

Ventura County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
Get Fit Certificate - 6 Month Certificate Basic
$0
3.85% ▲ 1.08% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.08% above avg
Details

Balance: $500 - $999.99

Ventura County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
Get Fit Certificate - 6 Month Certificate Plus
$0
3.85% ▲ 1.08% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.08% above avg
Details

Balance: $2,500 and over

Fontana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
6 Months Certificate
$0
3.81% ▲ 1.04% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.04% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
6 Month Jumbo Certificate
$0
3.80% ▲ 1.03% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.03% above avg
Details

Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6-Months CD
$1,000
3.75% ▲ 0.98% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details

Interest is not compounded. Interest will be credited to your account at maturity.

Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate
$250
3.75% ▲ 0.98% above national avg
Rate3.70%
Min Deposit$250
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details

New Money Only

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
6 Month Jumbo CD
$50,000
3.75% ▲ 0.98% above national avg
Rate
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Business Share Certificates
$0
3.75% ▲ 0.98% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Share Certificates
$0
3.75% ▲ 0.98% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 6 Month
$100,000
3.75% ▲ 0.98% above national avg
Rate3.69%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details

California Credit Union
6-Month Certificate
$0
3.75% ▲ 0.98% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details

Siskiyou Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
6 Month Share Certificate
$0
3.75% ▲ 0.98% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details

Balance: $25,000- $250,000

Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6 Month IRA Pick-A-Term
$0
3.75% ▲ 0.98% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details

Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6 Month Pick-A-Term
$0
3.75% ▲ 0.98% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6 Month Share Certificate
$0
3.75% ▲ 0.98% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details

Orange Countys Credit Union
6-Month Certificate
$1,000
3.75% ▲ 0.98% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details

Available for IRA and Business Accounts4

Orange Countys Credit Union
6-Month Term Share Certificate
$1,000
3.75% ▲ 0.98% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
6 Month Share Certificate
$0
3.75% ▲ 0.98% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details

Bank of the Orient
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
6-MONTH CD
$0
3.73% ▲ 0.96% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.96% above avg
Details

Balance: $10,000 - $99,999

EverBank
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
6 Month Business CDs
$0
3.70% ▲ 0.93% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details

City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
6 Month CD
$1,000
3.70% ▲ 0.93% above national avg
Rate3.63%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details

City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
6 Month IRA CD (182-Day)
$1,000
3.70% ▲ 0.93% above national avg
Rate3.63%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details

SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
6 Month Certificate
$1,000
3.70% ▲ 0.93% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details

New Money is defined as funds not currently on deposit. Early withdrawal penalties may apply.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Business Share Certificates
$0
3.70% ▲ 0.93% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Share Certificates
$0
3.70% ▲ 0.93% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Traditional/Roth IRA Certificates
$50,000
3.70% ▲ 0.93% above national avg
Rate3.64%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details

Biola 12 Month CD Rates

National 12 Month CD Average2.95% APY▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Relationship Certificate (12 months)
$0
5.90% ▲ 2.95% above national avg
Rate5.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 2.95% above avg
Details

Terms Apply

Stanford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
12-Month Certificate
$100
4.70% ▲ 1.75% above national avg
Rate
Min Deposit$100
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.75% above avg
Details

Includes a .50 bonus for active and engaged members through our Loyalty+ program. Rate remains fixed through maturity. At maturity and during the grace period, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends seven calendar days later. Automatically renews at a 12-month term at the rate in effect on the maturity date.

Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12 Month Certificate
$0
4.50% ▲ 1.55% above national avg
Rate4.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.55% above avg
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
12 Month Certificate
$0
4.25% ▲ 1.30% above national avg
Rate4.16%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.30% above avg
Details

Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Share Saver Certificate - 12-Month Term
$0
4.25% ▲ 1.30% above national avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.30% above avg
Details

Tier 4; Additional deposits are allowed during the term of the certificate, up to the maximum principal balance of $500. The dividend rate and APY applicable to the entire principal balance will change automatically when the deposit balance meets the next defined tier threshold. One Share Saver Certificate per account.

Credit Union of Southern California
12-month Certificate
$1,000
4.25% ▲ 1.30% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.30% above avg
Details

New Funds; Offer available to CU SoCal Members over the age of 18 with a Rewards Checking Account. $100 minimum opening deposit required on a new Rewards Checking Account. Accounts are verified by ChexSystems and are subject to approval and Membership eligibility. If the Rewards Checking is closed or converted to another checking account type prior to maturity date, certificate rate will decrease to the current 6-month rate in effect. New Member online deposits are capped at $8,000 and must originate from an external (non-CU SoCal) account. Promotional certificate deposits via CU SoCal ACH transfers must remain on balance in account for a minimum of 60 days or additional penalties will apply. We may impose a penalty if you withdraw the principal from your certificate account before the maturity date. The penalty will be 60 days of dividends on the amount withdrawn. If the amount withdrawn reduces the principal balance below the stated minimum, you will be assessed a penalty on the entire principal balance. We will close the certificate account and transfer any remaining balance to your Regular Savings Account. Certificate automatically renews to a 6-month term at maturity; maturity date and terms provided at account opening. Renewal APY is based on your CU SoCal relationship at the time of renewal. Visit CUSoCal.org/Rates for details. Limit one promotional certificate per primary Member.

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1 Year Starter Add-On Certificate
$0
4.25% ▲ 1.30% above national avg
Rate4.18%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.30% above avg
Details

Stanford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
12-Month Business Certificate
$100
4.20% ▲ 1.25% above national avg
Rate
Min Deposit$100
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.25% above avg
Details

Rate remains fixed through maturity. At maturity and during the grace period, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends seven calendar days later. Automatically renews at a 12-month term at the rate in effect on the maturity date.

San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
12 Month Share Certificate
$0
4.20% ▲ 1.25% above national avg
Rate4.13%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.25% above avg
Details

Siskiyou Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
12 Month Share Certificate
$0
4.20% ▲ 1.25% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.25% above avg
Details

Balance: $0-$24,999

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.15% ▲ 1.20% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
12 Month Deferred Compensation Certificates
$50
4.15% ▲ 1.20% above national avg
Rate4.07%
Min Deposit$50
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.20% above avg
Details

payroll deposit only

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Deferred Compensation Certificates 12 months
$50
4.15% ▲ 1.20% above national avg
Rate4.07%
Min Deposit$50
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.20% above avg
Details

Limited to employees of participating school districts; penalty for early withdrawal. payroll deposit only. Initial term may vary depending on date account opened, renewing automatically into a 12-month term upon maturity.

City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Special 12-Month Fixed Rate
$0
4.11% ▲ 1.16% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.16% above avg
Details

Term: Special 12-Month Fixed Rate1

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1 Year Add-On Certificate
$0
4.10% ▲ 1.15% above national avg
Rate4.04%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.15% above avg
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
1 Year Youth
$250
4.06% ▲ 1.11% above national avg
Rate3.98%
Min Deposit$250
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.11% above avg
Details

SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
IRA Certificate - 1 Year
$0
4.05% ▲ 1.10% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.10% above avg
Details

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
12 Month Certificate
$0
4.04% ▲ 1.09% above national avg
Rate3.97%
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 1.09% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1 Year Business Step Up Certificates
$1,000
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Business Step Up Certificates - 1 Year
$1,000
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
12-MONTH CD
$0
4.00% ▲ 1.05% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
IRA CD - 12-MONTH
$0
4.00% ▲ 1.05% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
12 Month Platinum TCD
$0
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details

GBC 50th Anniversary Special!

Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
12 Month Term Certificates
$0
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
1-year Term Share Certificate
$0
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details

Epic Premium account holders will enjoy a .25% bonus on a new 1-year Term Share Certificate.

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
12-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details

Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
12-month Loyalty Share Certificate
$0
4.00% ▲ 1.05% above national avg
Rate3.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details

12-month Loyalty Share Certificate**

SMW 104 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
12 Month Youth Share Certificate
$0
4.00% ▲ 1.05% above national avg
Rate3.91%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details

Balance: $50.00 to $1,000.00

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Share Certificate
$0
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details

$50,000 & up; Dividends Paid Monthly

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
12 Month Elite Jumbo CD
$250,000
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$250,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details

Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Share Saver Certificate - 12-Month Term
$0
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details

Tier 3; Additional deposits are allowed during the term of the certificate, up to the maximum principal balance of $500. The dividend rate and APY applicable to the entire principal balance will change automatically when the deposit balance meets the next defined tier threshold. One Share Saver Certificate per account.

KeyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
12 Month IRA Certificate
$0
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details

KeyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
12-month certificate
$0
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details

Get a 12-month certificate with a great rate

Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
12 Month Birthday Promo
$500
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Business Certificates
$0
4.00% ▲ 1.05% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Certificate
$0
4.00% ▲ 1.05% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Consumer Certificates
$0
4.00% ▲ 1.05% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Jumbo Certificates or more)
$0
4.00% ▲ 1.05% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details

$95,000

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00% ▲ 1.05% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details

Credit Union of Southern California
12 month Certificate
$500
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details

Non-Rewards+ Loyalty Program Dividend Rate: 3.06%; Non-Rewards+ Loyalty Program APY: 3.10%

Credit Union of Southern California
IRA Certificate 12 month
$25
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$25
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details

Non-Rewards+ Loyalty Program Dividend rate: 3.06%; Non-Rewards+ Loyalty Program APY: 3.10%

Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
12 Month Certificate
$0
3.97% ▲ 1.02% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.02% above avg
Details

Balance: $100,000 +

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
12 Month Bonus Certificates
$0
3.95% ▲ 1.00% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details

Balance: 12 Month

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
12 Month Bonus IRA Certificates
$0
3.95% ▲ 1.00% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details

Balance: 12 Month

Ventura County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
Get Fit IRA 1 Year Certificate
$0
3.95% ▲ 1.00% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.00% above avg
Details

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
12 Month Certificate
$0
3.92% ▲ 0.97% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 0.97% above avg
Details

APY: 4.04%; APR: 3.97%

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1 Year Retirement Liquid Share Certificates
$0
3.91% ▲ 0.96% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.96% above avg
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
12-month Certificate
$0
3.90% ▲ 0.95% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.95% above avg
Details

Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
12-month Share Certificate
$0
3.90% ▲ 0.95% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details

State Bank of India US
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
1 Year IRA Certificates of Deposit
$0
3.85% ▲ 0.90% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details

Balance: $1,000.00

Biola 18 Month CD Rates

National 18 Month CD Average2.82% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
18 Month Share Certificate
$0
4.25% ▲ 1.43% above national avg
Rate4.18%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.43% above avg
Details

Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month New Money Certificate
$0
4.25% ▲ 1.43% above national avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.43% above avg
Details

Term: 18 Month New Money Certificate; Balance: $100,000+

GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
18 Month Platinum TCD
$0
4.18% ▲ 1.36% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.36% above avg
Details

GBC 50th Anniversary Special!

Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month New Money Certificate
$0
4.15% ▲ 1.33% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.33% above avg
Details

Term: 18 Month New Money Certificate; Balance: $50,000 - $99,999

Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
18 Month Business Certificate Specials
$0
4.15% ▲ 1.33% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.33% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Senior 18-month Jumbo CD
$50,000
4.10% ▲ 1.28% above national avg
Rate
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.28% above avg
Details

Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
18-Months Promotional Term Certificate
$1,000
4.10% ▲ 1.28% above national avg
Rate4.03%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.28% above avg
Details

The promotional 18-month Certificate offers a dividend rate of 4.025%, with an Annual Percentage Yield (APY) of 4.100%. Dividends are credited as stated in the terms of the Truth-in-Savings Disclosure Account Agreement. Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information.

Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
18-Months Promotional Term IRA Certificate
$500
4.10% ▲ 1.28% above national avg
Rate4.03%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.28% above avg
Details

The promotional 18-month Certificate offers a dividend rate of 4.025%, with an Annual Percentage Yield (APY) of 4.100%. Dividends are credited as stated in the terms of the Truth-in-Savings Disclosure Account Agreement. Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information.

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month Share Certificates
$0
4.05% ▲ 1.23% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.23% above avg
Details

Balance: $200,000.00 +

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.00% ▲ 1.18% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details

Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
18-MONTH CD
$0
4.00% ▲ 1.18% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details

Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
IRA CD - 18-MONTH
$0
4.00% ▲ 1.18% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details

AltaOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
Traditional 18 Month Bump Certificate
$0
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details

Balance: $250,000+; Term Share and Traditional, Roth & SEP IRA Certificates

SCE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
18 Month IRA Certificate Accounts
$0
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.18% above avg
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
18-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.18% above avg
Details

SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
18 Month "New Money" CD
$1,000
4.00% ▲ 1.18% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details

New Money is defined as funds not currently on deposit. Early withdrawal penalties may apply.

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month Share Certificates
$0
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details

Balance: $90,000.00 - $199,999.99

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Senior 18-month CD
$500
4.00% ▲ 1.18% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificate
$1,000
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 18 Month
$100,000
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details

Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month New Money Certificate
$0
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details

Term: 18 Month New Money Certificate; Balance: $1,000 - $49,999

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Business Certificates
$0
4.00% ▲ 1.18% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Certificate
$0
4.00% ▲ 1.18% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Consumer Certificates
$0
4.00% ▲ 1.18% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Jumbo Certificates or more)
$0
4.00% ▲ 1.18% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details

$95,000

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00% ▲ 1.18% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details

Credit Union of Southern California
18 Month Certificate
$500
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details

Rewards+ Loyalty Program

Credit Union of Southern California
IRA Certificate 18 month
$25
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$25
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details

Non-Rewards+ Loyalty Program Dividend rate: 2.96%; Non-Rewards+ Loyalty Program APY: 3.00%

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Certificate
$0
3.98% ▲ 1.16% above national avg
Rate3.91%
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 1.16% above avg
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month Share Certificates
$0
3.95% ▲ 1.13% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.13% above avg
Details

Balance: $50,000.00 - $89,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificate
$1,000
3.95% ▲ 1.13% above national avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.13% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Traditional/Roth IRA Certificates
$50,000
3.95% ▲ 1.13% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.13% above avg
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
18-month Certificate
$0
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.08% above avg
Details

Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
18 Month Share Certificates
$0
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.08% above avg
Details

Balance: $50,000+

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month Share Certificates
$0
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.08% above avg
Details

Balance: $10,000.00 - $49,999.99

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
18 Month Jumbo CD
$50,000
3.90% ▲ 1.08% above national avg
Rate
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.08% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificates
$1,000
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.08% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 18 Month
$1,000
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.08% above avg
Details

Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
18 Month Share Certificate
$0
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.08% above avg
Details

AltaOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
Traditional 18 Month Bump Certificate
$0
3.85% ▲ 1.03% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.03% above avg
Details

Balance: $500-$249,999; Term Share and Traditional, Roth & SEP IRA Certificates

Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
18 Month Share Certificates
$0
3.85% ▲ 1.03% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.03% above avg
Details

Balance: $10,000 - $49,999

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month Share Certificates
$0
3.85% ▲ 1.03% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.03% above avg
Details

Balance: $1,000.00 - $9,999.99

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
18 Month Certificate
$0
3.85% ▲ 1.03% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.03% above avg
Details

Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
18 Month Share Certificates
$0
3.85% ▲ 1.03% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.03% above avg
Details

$10,000 - $49,999

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Certificate
$0
3.83% ▲ 1.01% above national avg
Rate3.76%
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 1.01% above avg
Details

APY: 3.98%; APR: 3.91%

Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
18 month certificate
$0
3.82% ▲ 1.00% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.00% above avg
Details

Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
IRA Certificate (18 mo)
$0
3.82% ▲ 1.00% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.00% above avg
Details

**

Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
18 Month Share Certificates
$0
3.80% ▲ 0.98% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.98% above avg
Details

Balance: $2,000 - $9,999

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
18 Month IRA Traditional & Roth CD
$500
3.80% ▲ 0.98% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.98% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
18 Month Regular CD
$500
3.80% ▲ 0.98% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.98% above avg
Details

Biola 24 Month CD Rates

National 24 Month CD Average2.84% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2 Year Consumer Certificate of Deposit
$500
4.40% ▲ 1.56% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.56% above avg
Details

Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
24 Month Share Certificate
$0
4.30% ▲ 1.46% above national avg
Rate4.23%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details

Credit Union of Southern California
24 Month Certificate
$500
4.25% ▲ 1.41% above national avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.41% above avg
Details

Rewards+ Loyalty Program

Credit Union of Southern California
IRA Certificate 24 month
$25
4.25% ▲ 1.41% above national avg
Rate4.17%
Min Deposit$25
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.41% above avg
Details

Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%

Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
24 Month Certificate
$500
4.20% ▲ 1.36% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.36% above avg
Details

Summer Certificate Specials. Limited time.

Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
24 Month Term Certificates
$0
4.20% ▲ 1.36% above national avg
Rate4.12%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.36% above avg
Details

Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
24 months CD
$500
4.20% ▲ 1.36% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.36% above avg
Details

Summer CD Specials

Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1-2 Year Share Certificate
$0
4.13% ▲ 1.29% above national avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.29% above avg
Details

Balance: $250,000

Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
24 Month Term Certificates
$0
4.11% ▲ 1.27% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.27% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
24 Month Elite Jumbo CD
$250,000
4.10% ▲ 1.26% above national avg
Rate
Min Deposit$250,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Retirement Liquid Share Certificates
$0
4.10% ▲ 1.26% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% above avg
Details

Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
24 Month Certificate
$0
4.07% ▲ 1.23% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.23% above avg
Details

Balance: $100,000 +

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
24 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
4.05% ▲ 1.21% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details

Balance: $200,000.00 +

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Retirement Liquid Share Certificates
$0
4.05% ▲ 1.21% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details

Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
24 Month IRA CD
$0
4.00% ▲ 1.16% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
24-MONTH CD
$0
4.00% ▲ 1.16% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
2-year Term Share Certificate
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details

Epic Premium account holders will enjoy a .25% bonus on a new 2-year Term Share Certificate.

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
24-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details

SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
IRA Certificate - 2 Year
$0
4.00% ▲ 1.16% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
24 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $90,000.00 - $199,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $100,000 and over

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Business Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Certificate
$0
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Consumer Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Jumbo Certificates or more)
$0
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details

$95,000

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
24 Month Certificate
$0
3.98% ▲ 1.14% above national avg
Rate3.91%
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.14% above avg
Details

Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
24 Month Certificate
$0
3.97% ▲ 1.13% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.13% above avg
Details

Balance: $500-$99,999

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
24 Month Bonus Certificates
$0
3.96% ▲ 1.12% above national avg
Rate3.89%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.12% above avg
Details

Balance: 24 Month

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
24 Month Bonus IRA Certificates
$0
3.96% ▲ 1.12% above national avg
Rate3.89%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.12% above avg
Details

Balance: 24 Month

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
24 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details

Balance: $50,000.00 - $89,999.99

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
24 Month Jumbo CD
$50,000
3.95% ▲ 1.11% above national avg
Rate
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details

Balance: $50,000 - $99,999.99

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
2 Year Business Step Up Certificates
$1,000
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Business Step Up Certificates - 2 Year
$1,000
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
24-month Certificate
$0
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.06% above avg
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
24 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details

Balance: $10,000.00 - $49,999.99

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
24 Month Certificate
$0
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details

Balance: $1,000 - $49,999.99

Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
24 Month Add-on
$0
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.06% above avg
Details

Balance: $100,000 and over

Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
24 Month Bump-Up Certificates
$0
3.90% ▲ 1.06% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.06% above avg
Details

This 24-month certificate lets you step up to a higher rate if yields rise. Dividends for this account are paid at maturity and compounded annually. Federally insured up to $250,000 by NCUA.

Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
24 Month Youth Add-On Certificate
$0
3.90% ▲ 1.06% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.06% above avg
Details

Commit to savings and earn more with the Youth Add-On Certificate specifically designed for those under the age of 18. This account is perfect for our young savers or parents looking to save for higher education. Great gift idea and an excellent account to be used with direct deposit, automatic payroll deduction or automatic transfers. Add deposits of any amount at anytime. Federally insured up to $250,000 by the NCUA.

Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
2 year certificate
$0
3.85% ▲ 1.01% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.01% above avg
Details

Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
IRA Certificate (24 mo)
$0
3.85% ▲ 1.01% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.01% above avg
Details

**

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
2 Year Certificate
$500
3.85% ▲ 1.01% above national avg
Rate3.78%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.01% above avg
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA Certificates - Traditional & Roth - 2 Years
$5
3.85% ▲ 1.01% above national avg
Rate3.78%
Min Deposit$5
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.01% above avg
Details

Biola 36 Month CD Rates

National 36 Month CD Average2.76% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Year Certificates
$0
4.25% ▲ 1.49% above national avg
Rate4.18%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.49% above avg
Details

1x Bump Up

San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
36 Month Share Certificate
$0
4.25% ▲ 1.49% above national avg
Rate4.18%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.49% above avg
Details

Credit Union of Southern California
36 Month Certificate
$500
4.25% ▲ 1.49% above national avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.49% above avg
Details

Rewards+ Loyalty Program

Credit Union of Southern California
IRA Certificate 36 month
$25
4.25% ▲ 1.49% above national avg
Rate4.17%
Min Deposit$25
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.49% above avg
Details

Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
36 Month Deferred Compensation Certificates
$50
4.20% ▲ 1.44% above national avg
Rate4.11%
Min Deposit$50
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.44% above avg
Details

payroll deposit only

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Deferred Compensation Certificates 36 months
$50
4.20% ▲ 1.44% above national avg
Rate4.11%
Min Deposit$50
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.44% above avg
Details

Limited to employees of participating school districts; penalty for early withdrawal. payroll deposit only.

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
36 Month Elite Jumbo CD
$250,000
4.15% ▲ 1.39% above national avg
Rate
Min Deposit$250,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
3 Years Add-On Certificate
$0
4.15% ▲ 1.39% above national avg
Rate4.09%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.39% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Retirement Liquid Share Certificates
$0
4.10% ▲ 1.34% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.34% above avg
Details

Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
36 Month Certificate
$0
4.07% ▲ 1.31% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.31% above avg
Details

Balance: $100,000 +

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
36 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
4.05% ▲ 1.29% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.29% above avg
Details

Balance: $200,000.00 +

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Retirement Liquid Share Certificates
$0
4.05% ▲ 1.29% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.29% above avg
Details

Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
36 Month Jumbo Certificate
$100,000
4.05% ▲ 1.29% above national avg
Rate3.98%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.29% above avg
Details

Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
36 Month IRA CD
$0
4.00% ▲ 1.24% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details

Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
36-MONTH CD
$0
4.00% ▲ 1.24% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details

Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year CD
$0
4.00% ▲ 1.24% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details

Annual Percentage Yield (APY) is accurate as of 07/14/2026. Rates and terms subject to change. Penalty for early withdrawal. Fees may reduce earnings on the account.

Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Online CD
$25,000
4.00% ▲ 1.24% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details

Compounded Daily; Early Withdrawal Penalty

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
36-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
36 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Balance: $90,000.00 - $199,999.99

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
36 Month Jumbo CD
$50,000
4.00% ▲ 1.24% above national avg
Rate
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 3 Year
$100,000
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
36 Month Certificate
$500
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details

Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
36 Month Certificate
$0
3.97% ▲ 1.21% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details

Balance: $500-$99,999

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
36 Month Bonus Certificates
$0
3.97% ▲ 1.21% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details

Balance: 36 Month

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
36 Month Bonus IRA Certificates
$0
3.97% ▲ 1.21% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details

Balance: 36 Month

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
36 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.95% ▲ 1.19% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details

Balance: $50,000.00 - $89,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
3.95% ▲ 1.19% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$0
3.95% ▲ 1.19% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Traditional/Roth IRA Certificates
$50,000
3.95% ▲ 1.19% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details

Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
36-Month Term Share Certificate
$0
3.91% ▲ 1.15% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.15% above avg
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
36-month Certificate
$0
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.14% above avg
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
36 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Balance: $10,000.00 - $49,999.99

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
36 Month Certificate
$0
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
3 Year IRA Traditional & Roth CD
$500
3.90% ▲ 1.14% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
36 Month Regular CD
$500
3.90% ▲ 1.14% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$0
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 3 Year
$1,000
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
36 Month Jumbo Certificate
$0
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
36 Month Jumbo IRA Certificate
$0
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details

Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
3 year certificate
$0
3.86% ▲ 1.10% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.10% above avg
Details

Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
IRA Certificate (36 mo)
$0
3.86% ▲ 1.10% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.10% above avg
Details

**

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
3 Year Certificate
$500
3.86% ▲ 1.10% above national avg
Rate3.79%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.10% above avg
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA Certificates - Traditional & Roth - 3 Years
$5
3.86% ▲ 1.10% above national avg
Rate3.79%
Min Deposit$5
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.10% above avg
Details

CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
36 Month Share Certificates
$0
3.86% ▲ 1.10% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.10% above avg
Details

Balance: $10,000; Rewards Level: Platinum

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
3 Year Certificate
$200
3.85% ▲ 1.09% above national avg
Rate3.78%
Min Deposit$200
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
3 Year IRA Certificate
$200
3.85% ▲ 1.09% above national avg
Rate3.78%
Min Deposit$200
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details

Biola 48 Month CD Rates

National 48 Month CD Average2.77% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
48 Month Jumbo Certificate
$100,000
4.30% ▲ 1.53% above national avg
Rate4.22%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.53% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
48 Month Elite Jumbo CD
$250,000
4.25% ▲ 1.48% above national avg
Rate
Min Deposit$250,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.48% above avg
Details

Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
48 Month Certificate
$500
4.25% ▲ 1.48% above national avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.48% above avg
Details

Credit Union of Southern California
48 Month Certificate
$500
4.25% ▲ 1.48% above national avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.48% above avg
Details

Rewards+ Loyalty Program

Credit Union of Southern California
IRA Certificate 48 month
$25
4.25% ▲ 1.48% above national avg
Rate4.17%
Min Deposit$25
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.48% above avg
Details

Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%

American First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
48 Month Promo Certificate
$1,000
4.25% ▲ 1.48% above national avg
Rate4.16%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.48% above avg
Details

Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.

San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
48 Month Share Certificate
$0
4.20% ▲ 1.43% above national avg
Rate4.13%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.43% above avg
Details

Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
48 Month Certificate
$0
4.07% ▲ 1.30% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.30% above avg
Details

Balance: $100,000 +

Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
48-Month Term Share Certificate
$0
4.06% ▲ 1.29% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.29% above avg
Details

Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
48 Month IRA CD
$0
4.00% ▲ 1.23% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details

Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
48-MONTH CD
$0
4.00% ▲ 1.23% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details

SCE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
48 Month IRA Certificate Accounts
$0
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
48-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
48 Month Term Certificates
$0
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
48 Month Regular CD
$500
4.00% ▲ 1.23% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details

Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
48 Month Certificate
$0
3.97% ▲ 1.20% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details

Balance: $500-$99,999

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Bonus Certificates
$0
3.97% ▲ 1.20% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details

Balance: 48 Month

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Bonus IRA Certificates
$0
3.97% ▲ 1.20% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details

Balance: 48 Month

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
48 Month Jumbo Certificate
$0
3.95% ▲ 1.18% above national avg
Rate3.87%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.18% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
48 Month Jumbo IRA Certificate
$0
3.95% ▲ 1.18% above national avg
Rate3.87%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.18% above avg
Details

CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
48 Month Share Certificates
$0
3.91% ▲ 1.14% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.14% above avg
Details

Balance: $10,000; Rewards Level: Platinum

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
4 Year Certificate
$200
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$200
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
4 Year IRA Certificate
$200
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$200
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
4 Year IRA Step Up Certificates
$200
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$200
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
4 Year Step Up Certificates
$200
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$200
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
IRA Step Up Certificates - 4 Year
$200
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$200
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
48-month Certificate
$0
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.13% above avg
Details

Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
4 year certificate
$0
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details

Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
IRA Certificate (48 mo)
$0
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details

**

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
4 Year Certificate
$500
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA Certificates - Traditional & Roth - 4 Years
$5
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$5
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
48 Month Certificate
$0
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
48 Month Regular IRA Certificate
$0
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.13% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
48 Month Share Certificate
$0
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.13% above avg
Details

CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
48 Month Share Certificates
$0
3.86% ▲ 1.09% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.09% above avg
Details

Balance: $1,000; Rewards Level: Platinum

CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
IRA Share Certificates 48 Months
$0
3.86% ▲ 1.09% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.09% above avg
Details

Balance: $1,000; Member Rewards Level: Platinum

Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.28%
Jumbo 48 Month CD
$0
3.85% ▲ 1.08% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.08% above avg
Details

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
48 Month IRA Certificate
$0
3.85% ▲ 1.08% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.08% above avg
Details

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
48 Month Share Certificates - Jumbo
$0
3.85% ▲ 1.08% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.08% above avg
Details

Over $90,000

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Individual Retirement Account (IRA) Certificate
$0
3.82% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Term Certificate
$0
3.82% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Certificates
$0
3.81% ▲ 1.04% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.04% above avg
Details

Balance: 48 Month

CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
48 Month Share Certificates
$0
3.81% ▲ 1.04% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.04% above avg
Details

Balance: $1,000; Rewards Level: Gold

CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
IRA Share Certificates 48 Months
$0
3.81% ▲ 1.04% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.04% above avg
Details

Balance: $1,000; Member Rewards Level: Gold

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
48 Month Certificate
$0
3.80% ▲ 1.03% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.03% above avg
Details

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
48 Month IRA Certificate
$0
3.80% ▲ 1.03% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.03% above avg
Details

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
48 Month Share Certificates - Gold Minimum
$0
3.80% ▲ 1.03% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.03% above avg
Details

$50,000

CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
48 Month Share Certificates
$0
3.76% ▲ 0.99% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.99% above avg
Details

Balance: $1,000; Rewards Level: Silver

CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
IRA Share Certificates 48 Months
$0
3.76% ▲ 0.99% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.99% above avg
Details

Balance: $1,000; Member Rewards Level: Silver

Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.28%
48 Month CD
$0
3.75% ▲ 0.98% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details

Biola 60 Month CD Rates

National 60 Month CD Average2.84% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
60 Month Jumbo Certificate
$100,000
4.55% ▲ 1.71% above national avg
Rate4.46%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.71% above avg
Details

Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
60 Month Certificate
$500
4.50% ▲ 1.66% above national avg
Rate4.41%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.66% above avg
Details

Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Roth IRA Certificate
$0
4.33% ▲ 1.49% above national avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.49% above avg
Details

Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Simplified Employee Pension (SEP) IRA Certificates - 60 months
$0
4.33% ▲ 1.49% above national avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.49% above avg
Details

Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month Deferred Compensation Certificates
$50
4.30% ▲ 1.46% above national avg
Rate4.21%
Min Deposit$50
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details

payroll deposit only

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Deferred Compensation Certificates 60 months
$50
4.30% ▲ 1.46% above national avg
Rate4.21%
Min Deposit$50
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details

Limited to employees of participating school districts; penalty for early withdrawal. payroll deposit only.

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60 Month Certificate
$500
4.30% ▲ 1.46% above national avg
Rate4.22%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60 Month Flexible Certificate
$500
4.30% ▲ 1.46% above national avg
Rate4.22%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60 Month Regular CD
$500
4.30% ▲ 1.46% above national avg
Rate4.22%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60 Month Regular Certificate Accounts
$500
4.30% ▲ 1.46% above national avg
Rate4.22%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5-year Term Share Certificate
$500
4.25% ▲ 1.41% above national avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.41% above avg
Details

Term: 1 Year IRA with **Epic Premium Checking

SCE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
60 Month IRA Certificate Accounts
$0
4.25% ▲ 1.41% above national avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.41% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
6 - 60 month terms
$500
4.25% ▲ 1.41% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details

Guaranteed return, flexible terms

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
60 Month Elite Jumbo CD
$250,000
4.25% ▲ 1.41% above national avg
Rate
Min Deposit$250,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details

Credit Union of Southern California
60 Month Certificate
$500
4.25% ▲ 1.41% above national avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.41% above avg
Details

Rewards+ Loyalty Program

Credit Union of Southern California
IRA Certificate 60 month
$25
4.25% ▲ 1.41% above national avg
Rate4.17%
Min Deposit$25
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.41% above avg
Details

Non-Rewards+ Loyalty Program Dividend rate: 2.96%; Non-Rewards+ Loyalty Program APY: 3.00%

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month IRA Certificate (Jumbo)
$0
4.20% ▲ 1.36% above national avg
Rate4.11%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.36% above avg
Details

IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 60 Months
$0
4.20% ▲ 1.36% above national avg
Rate4.11%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.36% above avg
Details

Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo)

San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
60 Month Share Certificate
$0
4.15% ▲ 1.31% above national avg
Rate4.09%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month IRA Certificate (Jumbo)
$0
4.15% ▲ 1.31% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details

IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 60 Months
$0
4.15% ▲ 1.31% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details

Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo)

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60 Month Bump-Rate Certificate Accounts
$500
4.15% ▲ 1.31% above national avg
Rate4.07%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60 Month Certificate
$500
4.15% ▲ 1.31% above national avg
Rate4.07%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details

Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year CD
$0
4.10% ▲ 1.26% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.26% above avg
Details

Annual Percentage Yield (APY) is accurate as of 07/14/2026. Rates and terms subject to change. Penalty for early withdrawal. Fees may reduce earnings on the account.

Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year Online CD
$25,000
4.10% ▲ 1.26% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.26% above avg
Details

Compounded Daily; Early Withdrawal Penalty

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month IRA Certificate
$0
4.10% ▲ 1.26% above national avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% above avg
Details

IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month Share Certificates
$0
4.10% ▲ 1.26% above national avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% above avg
Details

Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo)

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 60 Months
$0
4.10% ▲ 1.26% above national avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% above avg
Details

Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Retirement Liquid Share Certificates
$0
4.10% ▲ 1.26% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% above avg
Details

Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
60 Month Certificate
$0
4.07% ▲ 1.23% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.23% above avg
Details

Balance: $100,000 +

Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
60-Month Term Share Certificate
$0
4.06% ▲ 1.22% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.22% above avg
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month IRA Certificate
$0
4.05% ▲ 1.21% above national avg
Rate3.97%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details

IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month Share Certificates
$0
4.05% ▲ 1.21% above national avg
Rate3.97%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details

Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo)

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 60 Months
$0
4.05% ▲ 1.21% above national avg
Rate3.97%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details

Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Retirement Liquid Share Certificates
$0
4.05% ▲ 1.21% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details

First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
5 Year Retirement Certificates
$0
4.05% ▲ 1.21% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.21% above avg
Details

First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
Retirement Certificates - 5 Years
$0
4.05% ▲ 1.21% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.21% above avg
Details

APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
60 Month Jumbo Certificate
$0
4.05% ▲ 1.21% above national avg
Rate3.97%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.21% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
60 Month Jumbo IRA Certificate
$0
4.05% ▲ 1.21% above national avg
Rate3.97%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.21% above avg
Details

CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
60 Month Share Certificates
$0
4.01% ▲ 1.17% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.17% above avg
Details

Balance: $10,000; Rewards Level: Platinum

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
5 Year Certificate
$200
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$200
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
5 Year IRA Certificate
$200
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$200
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
5 Year IRA Step Up Certificates
$200
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$200
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
5 Year Step Up Certificates
$200
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$200
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
IRA Step Up Certificates - 5 Year
$200
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$200
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
60 Month IRA CD
$0
4.00% ▲ 1.16% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
60-MONTH CD
$0
4.00% ▲ 1.16% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5-year Term Share Certificate
$500
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details

Term: 3 Months with **Epic Premium Checking

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
60-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
60 Month Term Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Biola, California Institutions

Highest verified APYs available today, updated September 22, 2026

B Top 5 Bank Rates
Habib American HAB Bank
12 Month Certificate
A+ 5.0 ★ TX: 5.54%
Min: $0
4.50%
Happen Bank
2 Year Consumer Certificate of Deposit
A+ 5.0 ★ TX: 4.05%
Min: $500
4.40%
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.32%
U S POSTAL SERVICE
1 Year Starter Add-On Certificate
A+ 5.0 ★ TX: 4.56%
Min: $0
4.25%
GBC International Bank
18 Month Platinum TCD
A+ 5.0 ★ TX: 1.11%
Min: $0
4.18%
CU Top 5 Credit Union Rates
Schools Federal Credit Union
Relationship Certificate (12 months)
A+ 5.0 ★ TX: 1.69%
Min: $0
5.90%
Stanford Federal Credit Union
12-Month Certificate
A+ 5.0 ★ TX: 0.97%
Min: $100
4.70%
Corazo Credit Union
60 Month Jumbo Certificate
A 5.0 ★ TX: 9.00%
Min: $100,000
4.55%
Coast Central Credit Union
60 Month Roth IRA Certificate
A+ 5.0 ★ TX: 2.12%
Min: $0
4.33%
San Diego Firefighters Federal Credit Union
24 Month Share Certificate
A+ 5.0 ★ TX: 0.53%
Min: $0
4.30%
Rates verified September 22, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Biola, CA CD Rate Trends

Compare local Biola, CA CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full California CD Trends
12-Month CD CA Avg
2.952%
▲ 0.030 vs 7 days ago

California 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.

6-Month CD CA Avg
2.767%
▲ 0.021 vs 7 days ago

California 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.

As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

CA CD Rate Forecast, Next 12 Months

Where are California CD rates headed through September 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

CA 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the California average 12-month CD APY in our database.

Spread model: The California 12-month CD average currently trades 1.42% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

Powered by MonitorBankRates

What Your Savings Earn at CA CD Rates Today

Annual interest earnings at today’s California average APYs. State average used where available; national average as fallback.

CD Term CA Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.065% $103.23 $206.46 $516.15 $1,032.30
6-Month CD 2.767% $138.33 $276.65 $691.63 $1,383.25
12-Month CD 2.952% $147.58 $295.15 $737.88 $1,475.75
18-Month CD 2.818% $140.91 $281.82 $704.55 $1,409.10
24-Month CD 2.841% $142.07 $284.14 $710.35 $1,420.70
36-Month CD 2.765% $138.25 $276.49 $691.23 $1,382.45
48-Month CD 2.770% $138.48 $276.97 $692.43 $1,384.85
60-Month CD 2.844% $142.22 $284.44 $711.10 $1,422.20
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026.

Sample CD Ladder for Biola, California Savers

$25,000 split equally across 5 terms using today’s California average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit CA Avg APY Annual Earnings
1 3-Month CD $5,000 2.065% $103.23
2 6-Month CD $5,000 2.767% $138.33
3 12-Month CD $5,000 2.952% $147.58
4 24-Month CD $5,000 2.841% $142.07
5 36-Month CD $5,000 2.765% $138.25
Total ($25,000 invested) $25,000 2.678% blended $669.46/yr

Ladder example uses equal $5,000 rungs and California average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

2,663
CD Rates
Tracked in Biola, California
21 Banks 90 Credit Unions

About Our Biola, California CD Rate Database

MonitorBankRates tracks 2,663 CD rates from 21 banks and 90 credit unions with locations in Biola, California, plus national online institutions available to California residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Schools Federal Credit Union offers a CD at 5.90% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Biola, California.

How to Find the Best CD Rates in Biola, California

What to compare when shopping for a CD in Biola, California

To find the best APYs in Biola, California, start with credit unions and online-only banks: Biola, California has 90 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Biola, California

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Biola, California: 111 institutions here report CD rates

Consider an Alternative If…

Biola, California Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
12.2%
National avg: 17.3%
Median Individual Earnings
$21,210
National avg: $47,340
Poverty Rate
38.0%
National avg: 11.1%
Unemployment Rate
4.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$63/yr
At CA 12-mo avg 2.952% APY

12.2% of residents are 65 or older, below the national average of 17.3%. At today’s CA 12-month CD average of 2.952%, saving 10% of the local median salary ($2,121/year) and putting it in a CD would earn an additional $63 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Biola, California

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90–180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Biola, California

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Biola, California typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Biola, California as everywhere in the U.S.

Choosing a CD Term in Biola, California

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Biola, California savers easier access to their funds. For example, Habib American HAB Bank is offering its 6 Month Certificate at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Corazo Credit Union is offering its 60 Month Jumbo Certificate at 4.55% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Biola, California Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Biola, California saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Biola, California

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Biola, California CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Biola, California

Most CDs carry a fixed rate that is locked for the entire term, protecting a Biola, California depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Biola, California

Are CD rates in Biola, California FDIC insured?

Yes, most established banks in Biola, California are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Biola, California?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Biola, California.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Biola, California may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Biola, California?

Here are recent top rates found for this area:
  • Schools Federal Credit Union: 5.90% APY (Relationship Certificate (12 months))
  • Stanford Federal Credit Union: 4.70% APY (12-Month Certificate)
  • Corazo Credit Union: 4.55% APY (60 Month Jumbo Certificate)
  • Habib American HAB Bank : 4.50% APY (12 Month Certificate)
  • Happen Bank: 4.40% APY (2 Year Consumer Certificate of Deposit)
  • Coast Central Credit Union: 4.33% APY (60 Month Roth IRA Certificate)
  • Austin Capital Bank: 4.32% APY (3 Month CD)
  • San Diego Firefighters Federal Credit Union: 4.30% APY (24 Month Share Certificate)
  • SchoolsFirst Federal Credit Union: 4.30% APY (60 Month Deferred Compensation Certificates)
  • America First Federal Credit Union: 4.30% APY (60 Month Certificate)
Rates reflect recent verified offers available in Biola, California. Last Updated: September 22, 2026

Biola, California CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Biola, California rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
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Ending Balance
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Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.

Top Biola, California CD Rates by Term

Verified September 22, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Biola, California. Averages shown use the California state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Biola, California CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Biola, California directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Biola, California. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CA.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 22, 2026

Biola, California Rates & Resources