Chula Vista, California CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Chula Vista, California CD rates include Wheelhouse Credit UnionWheelhouse Credit UnionA+5.0 ★Texas Ratio: 0.43%Real return: +1.20%APY minus CPI (February 2026) offering 6 months Term Certificates & IRA Certificates at 4.00% APY, First Bank Creve Coeur, MOFirst Bank Creve Coeur, MOA+5.0 ★Texas Ratio: 1.54%Real return: +0.87%APY minus CPI (February 2026) offering 18-Month Variable Rate IRA at 3.67% APY, Cabrillo Credit UnionCabrillo Credit UnionA+5.0 ★Texas Ratio: 2.38%Real return: +0.84%APY minus CPI (February 2026) offering Share Certificates 60 months at 3.64% APY, Mission Federal Credit UnionMission Federal Credit UnionA+5.0 ★Texas Ratio: 0.83%Real return: +0.35%APY minus CPI (February 2026) offering 12 months Certificate at 3.15% APY, and San Diego County Credit UnionSan Diego County Credit UnionA+5.0 ★Texas Ratio: 0.56%Real return: -1.05%APY minus CPI (February 2026) offering 36 Month Certificate at 1.75% APY. CD rates as of May 18, 2026 according to verified data from MonitorBankRates.
Chula Vista has 74 local institutions in our database, with CD rates as high as 4.00% APY from Wheelhouse Credit Union at 9212 Balboa Ave, San Diego, CA 92123 1514. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader California area. Rates are continually updated — 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: May 18, 2026
Compare Best CD Rates in Chula Vista, California & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
3 months Certificate
$100,000
2.80%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
3 months Certificate
$10,000
2.75%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
3 months Certificate
$2,000
2.70%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 17, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 months Term Certificates & IRA Certificates
$500
1.70%
▼
Rate1.69%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
3 Month Certificate
$2,000
1.00%
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedMay 18, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 3 months
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$50,000+
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 3 months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$10,000 - $49,999
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 3 months
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$2,000 - $9,999
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
*APY: Annual Percentage Yield
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Term Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum to Open $1,000.00
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
3 month Share Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Share Certificates 3 month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
Term Share Certificate 3 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3 Month IRA Pick-A-Term Certificates
$10,000
3.50%
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3 Month Pick-A-Term Certificates
$10,000
3.50%
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 3 month
$50,000
3.45%
▼
Rate3.39%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
$50,000
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Certificate Account and IRA Account: Fixed Rate 90 Days
$0
3.41%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100,000 per member maximum
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
90 Day Certificate Special
$10,000
3.41%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
balances $10,000 - $100,000
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
90 Days Certificate Account and IRA Account: Fixed Rate
$10,000
3.41%
▼
Rate3.34%
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
$100,000 per member maximum
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Share Certificates 3 months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 3 month
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$20,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Bronze Minimum 3 month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$2,500
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Share Certificates 3 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Share Certificates 3 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
3 Month Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rewards+ Loyalty Program
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 15, 2026
Details
$2,500 up to $49,999*
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
3-month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100,000 and over
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
IRA 3-month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100,000 and over
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Certificate Account and IRA Account: Fixed Rate 90 Days
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100,000 per member maximum
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3-Month Certificate
$100,000
3.15%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedMay 15, 2026
Details
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
90 Days Certificate Account and IRA Account: Fixed Rate
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
$100,000 per member maximum
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
3 MONTHS Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
HSA Certificate Accounts 3 MONTHS
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3-Month Certificate
$50,000
3.10%
▼
Rate3.06%
Min Deposit$50,000
Min Balance—
UpdatedMay 15, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 DAY CERTIFICATE
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 DAY CERTIFICATE
$0
3.08%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 DAY CERTIFICATE
$0
3.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
3-Month CD
$50,000
3.05%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 18, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3-Month Certificate
$25,000
3.05%
▼
Rate3.01%
Min Deposit$25,000
Min Balance—
UpdatedMay 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Funding Limit: $12M
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 DAY CERTIFICATE
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
6 months Term Certificates & IRA Certificates
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6 months Certificate
$100,000
3.15%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6 months Certificate
$10,000
3.10%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6 months Certificate
$2,000
3.05%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 17, 2026
Details
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($50,000+)
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 6 months
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$50,000+
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($10,000 - $49,999)
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 6 months
$0
2.86%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$10,000 - $49,999
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 6 months
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$2,000 - $9,999
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6 Month Certificate
$2,000
1.00%
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedMay 18, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CDs
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
6-month IRA Certificate Special
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
This special 6-month term savings certificate can only be opened in-branch or by phone and funded with new money. New money is defined as funds not on deposit at Golden 1 in the 30 days prior to the certificate account opening.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month Certificate GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMay 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
HavenTM Certificate 6-month GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMay 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
HavenTM Certificate 6-month
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
6 Month Certificates of Deposit
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6-month Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
6 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
New Money Only
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months Share Certificates
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
6 Month Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
New Money Only
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
6-Month Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Share Certificates
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$1,000 - $49,999.99
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 6 month
$50,000
3.60%
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
$50,000
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 6 month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$50,000
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Online Only
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
6-month Share Certificate
$10,000
3.55%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Regular Certificates 6 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
6-Month Special Certificate Account
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
6-Month Jumbo Share Certificate
$10,000
3.55%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
$10,000
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 6 month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$20,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Silver Minimum 6 month
$20,000
3.55%
▼
Rate3.49%
Min Deposit$20,000
Min Balance—
UpdatedMay 12, 2026
Details
$20,000
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Share Certificates 6 month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
6 month Share Certificates
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Member Merits (Gold1) 6 Month Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
12 months Term Certificates & IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 months Certificate
$100,000
3.15%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($50,000+)
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 12 months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$50,000+
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 months Certificate
$10,000
3.10%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($10,000 - $49,999)
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 12 months
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$10,000 - $49,999
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 months Certificate
$2,000
3.05%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 17, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 12 months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$2,000 - $9,999
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
12 Month Certificate
$2,000
1.50%
▼
Rate1.49%
Min Deposit$2,000
Min Balance—
UpdatedMay 18, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Relationship Certificate (12 months)
$500
5.90%
▼
Rate5.75%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Terms Apply
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Relationship Certificate(12 months)
$500
5.90%
▼
Rate5.75%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Terms Apply
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
Gen-T Term Share Certificate* 12 Months
$5
4.25%
▼
Rate4.16%
Min Deposit$5
Min Balance—
UpdatedMay 6, 2026
Details
CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1-Year IRA Term Share Certificates
$500
4.25%
▼
Rate4.17%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
APY= Annual Percentage Yield. Stated rate is 4.169%. APY is accurate as of April 1, 2026. $500.00 minimum deposit required. Fees can reduce earnings on the account. Early withdrawal penalties may apply. OceanAir reserves the right to end or modify these offers at any time without notice
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Deferred Compensation Certificates 12 months
$50
4.15%
▼
Rate4.07%
Min Deposit$50
Min Balance—
UpdatedMay 17, 2026
Details
payroll deposit only
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
IRA - 12 Month Certificate
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On Starter Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1-Year Certificate
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
12-month Loyalty Share Certificate
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
12 Months Certificate
$90,000
4.04%
▼
Rate3.97%
Min Deposit$90,000
Min Balance—
UpdatedMay 17, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
12 Months Term Certificates
$90,000
4.04%
▼
Rate3.97%
Min Deposit$90,000
Min Balance—
UpdatedMay 17, 2026
Details
SMW 104 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
Teen Share Certificate 12 Months
$0
4.00%
▼
Rate3.91%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
SMW 104 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
Youth Share Certificate 12 Months
$50
4.00%
▼
Rate3.91%
Min Deposit$50
Min Balance—
UpdatedMay 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
HavenTM Certificate 12-month GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Online Only
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
12-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month Certificate GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMay 6, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
12-month Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
12 Months Certificate
$500
3.92%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
12 Months Term Certificates
$500
3.92%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$10,000 - $49,999.99
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
HavenTM Certificate 12-month
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Promotional IRA Certificates / Roth / Educational IRA Certificates 12 Months
$0
3.85%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Standard 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Minimum to open & earn dividends: $1,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Mini-Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Minimum to open & earn dividends: $100,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12-Month Bonus Certificate
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
12 month CDs
$1,000
3.82%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Limited time offer. Only available in our branches.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Rookie Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Share Certificates
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
12 Month Share Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 1 Year IRA
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$1,000 - $49,999.99
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month Variable Rate IRA
$0
3.67%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
18 months Term Certificates & IRA Certificates
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
18 months Certificate
$100,000
2.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
18 months Certificate
$10,000
2.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
18 months Certificate
$2,000
2.45%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 17, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
18 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedMay 18, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
18-month IRA Traditional & Roth Share Certificates
$1,000
4.15%
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month Certificate GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMay 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
HavenTM Certificate 18-month GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$100,000 and over
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
18 Months Term Certificates
$90,000
3.98%
▼
Rate3.91%
Min Deposit$90,000
Min Balance—
UpdatedMay 17, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
18 Months Certificate
$90,000
3.98%
▼
Rate3.91%
Min Deposit$90,000
Min Balance—
UpdatedMay 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$50,000 - $99,999.99
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
HavenTM Certificate 18-month
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$1,000 - $49,999.99
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 18-Month Variable
$100,000
3.89%
▼
Rate3.82%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
$100,000 Minimum to Earn APY
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
18 Months Certificate
$500
3.83%
▼
Rate3.76%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
18 Months Term Certificates
$500
3.83%
▼
Rate3.76%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Online Only
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 18 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 18 month
$50,000
3.75%
▼
Rate3.68%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
$50,000
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
18 Months Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 58.47%
18 Months Share Certificates
$0
3.73%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 58.47%
Share Certificates 18 Months
$1,000
3.73%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 18 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$20,000
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
18 Months Share Certificates
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Silver Minimum 18 month
$20,000
3.70%
▼
Rate3.63%
Min Deposit$20,000
Min Balance—
UpdatedMay 12, 2026
Details
$20,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Bronze Minimum 18 month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$100
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Bronze Minimum 18 month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$2,500
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
18 Months Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
18-month Share Certificate
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18-month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
18 Months Share Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
18 Months Share Certificates
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Promotional IRA Certificates / Roth / Educational IRA Certificates 18 Months
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
18 Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rewards+ Loyalty Program
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Regular Certificates 18 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
IRA Share Certificates 18 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
IRA 18 month
$25
3.50%
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details
Rewards+ Loyalty Program
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
18 Month Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
Pick Your Term 18-Month
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
IRA Certificates are available.
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
18-Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
For a limited time only, pick your certificate term!
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Certificates 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
18 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($50,000+)
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$50,000+
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
24 months Term Certificates & IRA Certificates
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($10,000 - $49,999)
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 24 months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$10,000 - $49,999
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 24 months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$2,000 - $9,999
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
24 months Certificate
$100,000
2.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
24 months Certificate
$10,000
2.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
24 months Certificate
$2,000
2.45%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 17, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
24 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedMay 18, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
24-month IRA Traditional & Roth Share Certificates
$1,000
4.50%
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
1-2 Year Share Certificate
$0
4.13%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$50,000 - $99,999.99
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month Certificate GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMay 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
HavenTM Certificate 24-month GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificates
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
HavenTM Certificate 24-month
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
24 Months Certificate
$100,000
3.76%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 24 month
$50,000
3.75%
▼
Rate3.68%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
$50,000
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
24 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Modestos First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share Certificates 24 Months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 24 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$50,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Certificates 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
24 Month Certificate
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Silver Minimum 24 month
$20,000
3.70%
▼
Rate3.63%
Min Deposit$20,000
Min Balance—
UpdatedMay 12, 2026
Details
$20,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 24 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$20,000
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates1 24 Months Platinum
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
24-month Share Certificate
$1,000
3.70%
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Jumbo College Saver Certificates 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Minimum to open & earn dividends: $100,000
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
24 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
24 Months Certificate
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Mini-Jumbo College Saver Certificates 24-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Mini-Jumbo Certificate 24-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Minimum to open & earn dividends: $50,000
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
24 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates1 24 Months Gold
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Bronze Minimum 24 month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$2,500
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 36 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$50,000+
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 36 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$10,000 - $49,999
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 36 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$2,000 - $9,999
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
36 months Term Certificates & IRA Certificates
$500
2.40%
▼
Rate2.38%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
36 months Certificate
$100,000
2.05%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
36 months Certificate
$10,000
2.00%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
36 months Certificate
$2,000
1.95%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 17, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
36 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedMay 18, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Deferred Compensation Certificates 36 months
$50
4.20%
▼
Rate4.11%
Min Deposit$50
Min Balance—
UpdatedMay 17, 2026
Details
payroll deposit only
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
HavenTM Certificate 36-month GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
36 month Share Certificate
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
36 Month Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month Certificate GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificates
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
HavenTM Certificate 36-month
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates1 36 Months Platinum
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 36-Month Variable
$100,000
3.79%
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
$100,000 Minimum to Earn APY
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates1 36 Months Gold
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
36-month IRA Traditional & Roth Share Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
36 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 36 month
$50,000
3.75%
▼
Rate3.68%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 36 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$50,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Silver Minimum 36 month
$20,000
3.70%
▼
Rate3.63%
Min Deposit$20,000
Min Balance—
UpdatedMay 12, 2026
Details
$20,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 36 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$20,000
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates1 36 Months Silver
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
36 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
36 Months Certificate
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Bronze Minimum 36 month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$100
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Bronze Minimum 36 month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$2,500
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates1 36 Months Standard
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
36 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Certificates 3 Years
$5
3.64%
▼
Rate3.58%
Min Deposit$5
Min Balance—
UpdatedMay 17, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 48 months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$50,000+
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 48 months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$10,000 - $49,999
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 48 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$2,000 - $9,999
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
48 months Certificate
$100,000
2.05%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
48 months Certificate
$10,000
2.00%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
48 months Certificate
$2,000
1.95%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 17, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
48 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedMay 18, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
48 Month Certificate
$500
4.25%
▼
Rate4.17%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month Certificate GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMay 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
HavenTM Certificate 48-month GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMay 6, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
48-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates1 48 Months Platinum
$0
3.96%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates1 48 Months Gold
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
HavenTM Certificate 48-month
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates1 48 Months Silver
$0
3.86%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 48 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 48 month
$50,000
3.80%
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
$50,000
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates1 48 Months Standard
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
48 MONTH IRA CERTIFICATE
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
48 MONTH CERTIFICATE
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 48 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$20,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Silver Minimum 48 month
$20,000
3.75%
▼
Rate3.68%
Min Deposit$20,000
Min Balance—
UpdatedMay 12, 2026
Details
$20,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Bronze Minimum 48 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$100
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Bronze Minimum 48 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$2,500
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
4 Years Share Certificates
$500
3.70%
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Certificates 4 Years
$5
3.70%
▼
Rate3.63%
Min Deposit$5
Min Balance—
UpdatedMay 17, 2026
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
48 Months Certificate
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.74%
48-Month Share Certificates
$1,000
3.65%
▼
Rate3.58%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Jumbo College Saver Certificates 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Minimum to open & earn dividends: $100,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Mini-Jumbo Certificate 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Minimum to open & earn dividends: $50,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Mini-Jumbo College Saver Certificates 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Minimum to open & earn dividends: $50,000
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
48 Months Certificate
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Standard College Saver Certificates 48-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Minimum to open & earn dividends: $500
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Standard 48-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Minimum to open & earn dividends: $1,000
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
48 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
$100,000 Minimum to Earn APY
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
48-month Share Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
48 MONTH CERTIFICATE
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
IRA 48 month
$25
3.50%
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details
Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rewards+ Loyalty Program
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 60 months
$0
3.64%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$50,000+
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 60 months
$0
3.59%
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$2,000 - $9,999
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
60 months Term Certificates & IRA Certificates
$500
2.40%
▼
Rate2.38%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
60 months Certificate
$100,000
2.05%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
60 months Certificate
$10,000
2.00%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
60 months Certificate
$2,000
1.95%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 17, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
60 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedMay 18, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
60 Month Certificate
$500
4.50%
▼
Rate4.41%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Deferred Compensation Certificates 60 months
$50
4.30%
▼
Rate4.21%
Min Deposit$50
Min Balance—
UpdatedMay 17, 2026
Details
payroll deposit only
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
60-month IRA Traditional & Roth Share Certificates
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
60 Months
$500
4.10%
▼
Rate4.03%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$100,000 and over
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates1 60 Months Platinum
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Retirement Certificates 5 Years
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$50,000 - $99,999.99
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates1 60 Months Gold
$0
4.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6 to 60-Month GoldStar? Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate is 0.100% APY lower for non-GoldStar? members
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month Certificate GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMay 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
HavenTM Certificate 60-month GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMay 6, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
60 MONTH CERTIFICATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
60 MONTH IRA CERTIFICATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$100,000 and over
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates1 60 Months Silver
$0
3.96%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
60 Month Share Certificates
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Regular IRA Certificate 60 Month
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
60 Months
$500
3.95%
▼
Rate3.88%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificates
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$50,000 - $99,999.99
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates1 60 Months Standard
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6 to 60-Month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$500 minimum balance
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
HavenTM Certificate 60-month
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$1,000 - $49,999.99
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
5 Years Share Certificates
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Certificates 5 Years
$5
3.85%
▼
Rate3.78%
Min Deposit$5
Min Balance—
UpdatedMay 17, 2026
Details
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Roth IRA Certificates 60 months
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Simplified Employee Pension (SEP) IRA Certificates 60 months
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Traditional IRA Certificates 60 months
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 60 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 60 month
$50,000
3.80%
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
$50,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
60-month Share Certificate
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Chula Vista, California at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY currently available to Chula Vista depositors is 4.00% APY from Wheelhouse Credit Union. The rate table above ranks every offer we track for this market, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Chula Vista, CA CD Rate Trends
Compare local Chula Vista, 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.
12-Month CD — CA Avg
2.807%
▲ 0.749 vs 7 days ago
California 12-month CD rates rose 0.749 points over the past 7 days to 2.807% APY.
6-Month CD — CA Avg
2.705%
▲ 1.599 vs 7 days ago
California 6-month CD rates rose 1.599 points over the past 7 days to 2.705% APY.
As of May 20, 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 May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CA 12-Month Avg APY
2.807%
6-Month Forecast
2.807%
Range: 2.61% – 2.96%
12-Month Forecast
2.557%
Range: 2.36% – 2.71%
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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 | 2.386% | $119.31 | $238.62 | $596.55 | $1,193.10 |
| 6-Month CD | 2.705% | $135.27 | $270.54 | $676.35 | $1,352.70 |
| 12-Month CD | 2.807% | $140.34 | $280.67 | $701.68 | $1,403.35 |
| 18-Month CD | 2.573% | $128.66 | $257.32 | $643.30 | $1,286.60 |
| 24-Month CD | 2.568% | $128.39 | $256.78 | $641.95 | $1,283.90 |
| 36-Month CD | 2.646% | $132.32 | $264.63 | $661.58 | $1,323.15 |
| 48-Month CD | 2.614% | $130.68 | $261.36 | $653.40 | $1,306.80 |
| 60-Month CD | 2.657% | $132.87 | $265.73 | $664.33 | $1,328.65 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 18, 2026. | |||||
Sample CD Ladder for Chula Vista, 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.
| Rung | Term | Deposit | CA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.386% | $119.31 |
| 2 | 6-Month CD | $5,000 | 2.705% | $135.27 |
| 3 | 12-Month CD | $5,000 | 2.807% | $140.34 |
| 4 | 24-Month CD | $5,000 | 2.568% | $128.39 |
| 5 | 36-Month CD | $5,000 | 2.646% | $132.32 |
| Total ($25,000 invested) | $25,000 | 2.623% blended | $655.63/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.
1,481
CD Rates
Tracked in Chula Vista, California
Tracked in Chula Vista, California
14 Banks
91 Credit Unions
About Our Chula Vista, California CD Rate Database
MonitorBankRates tracks 1,481 CD rates from 14 banks and 91 credit unions with locations in Chula Vista, 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: Wheelhouse Credit Union offers a CD at 4.00% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Chula Vista, California.
How to Find the Best CD Rates in Chula Vista, California
What to compare when shopping for a CD in Chula Vista, California
To find the best APYs in Chula Vista, California, start with credit unions and online-only banks — Chula Vista, California has 91 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 Chula Vista, 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 Chula Vista, California — 105 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Chula Vista, California savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Chula Vista, California money market rates
Chula Vista, California Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
13.4%
National avg: 17.3%
Median Individual Earnings
$47,656
National avg: $47,340
Poverty Rate
8.7%
National avg: 11.1%
Unemployment Rate
7.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$134/yr
At CA 12-mo avg 2.807% APY
13.4% of residents are 65 or older — below the national average of 17.3%; an unemployment rate of 7.7% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s CA 12-month CD average of 2.807%, saving 10% of the local median salary ($4,765/year) and putting it in a CD would earn an additional $134 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 Chula Vista, 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 |
Frequently Asked Questions about CD Rates in Chula Vista, California
Are CD rates in Chula Vista, California FDIC insured?
Yes, most established banks in Chula Vista, 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 Chula Vista, 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 Chula Vista, 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 Chula Vista, 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 Chula Vista, California?
Here are recent top rates found for this area:
- Wheelhouse Credit Union: 4.00% APY (6 months Term Certificates & IRA Certificates)
- First Bank Creve Coeur, MO: 3.67% APY (18-Month Variable Rate IRA)
- Cabrillo Credit Union: 3.64% APY (Share Certificates 60 months)
- Mission Federal Credit Union: 3.15% APY (12 months Certificate)
- San Diego County Credit Union: 1.75% APY (48 Month Certificate)
- Schools Federal Credit Union: 5.90% APY (Relationship Certificate (12 months))
- Premier One Credit Union: 4.50% APY (24-month IRA Traditional & Roth Share Certificates)
- Corazo Credit Union: 4.50% APY (60 Month Certificate)
- SchoolsFirst Federal Credit Union: 4.30% APY (Deferred Compensation Certificates 60 months)
- CBC Federal Credit Union: 4.25% APY (1-Year IRA Term Share Certificates)
Rates reflect recent verified offers available in Chula Vista, California. Last Updated: May 18, 2026
CD Calculators for Chula Vista, California
Chula Vista, California CD Calculator
At today’s CA top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Chula Vista, California CD LadderCA CD rates currently range from 2.386% (3-month) to 2.646% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Chula Vista, California CD at 4.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsCalifornia’s average 12-month CD is 2.807% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Chula Vista, 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 Chula Vista, 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 Chula Vista, 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: May 18, 2026
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