CD Rates Mccloud, California (CA) for April 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 Mccloud, California CD rates include Premier One Credit UnionPremier One Credit UnionA+5.0 ★Texas Ratio: 1.63% offering 24-month IRA Traditional & Roth Share Certificates at 4.50% APY, U S POSTAL SERVICEU S POSTAL SERVICEA+5.0 ★Texas Ratio: 2.27% offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 0.81% offering 6-Month CD Term at 4.20% APY, Central Valley Firefighters Credit UnionCentral Valley Firefighters Credit UnionA+5.0 ★Texas Ratio: 1.68% offering IRA - 12 Month Certificate at 4.12% APY, and Firefighters First Federal Credit UnionFirefighters First Federal Credit UnionA+5.0 ★Texas Ratio: 1.58% offering Dream Home Share Certificate 2 Year Retirement Share Certificate at 4.10% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
Mccloud is a smaller community with no bank or credit union branches currently in our database. 391 institutions serving the California area are available to Mccloud residents, with CD rates as high as 4.50% APY from Premier One Credit Union. 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: April 12, 2026
Compare Best CD Rates in Mccloud, California & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 3 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
WooriWON 3-month CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Online Only
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
Share Certificates 3 month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
Share Certificates - Gold Minimum 3 month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$50,000
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
90 Day Certificate Special
$10,000
3.41%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
balances $10,000 - $100,000
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
3 Month IRA Pick-A-Term Certificates
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
90 Day Certificate of Deposit
$10,000
3.37%
▼
Rate3.31%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3 Month Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rewards+ Loyalty Program
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3-Month Certificate
$100,000
3.15%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
90 DAY CERTIFICATE
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3-month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$10,000 to $99,999.99
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Month Certificate
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 3 Month Certificates
$1,500
2.85%
▼
Rate2.81%
Min Deposit$1,500
Min Balance—
UpdatedApr 12, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
3 Month Certificate
$500
2.80%
▼
Rate2.77%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3-Month Certificate and IRA Certificates
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 3-Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
3-Month CD
$25,000
2.65%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
3-Month Share Certificates
$50,000
2.60%
▼
Rate2.57%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3 Month Term Share & IRA Term Share Accounts
$10,000
2.53%
▼
Rate2.50%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Regular Certificates 3 Month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3 Month Certificates
$500
1.92%
▼
Rate1.90%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
3 Month Certificate
$0
1.82%
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
3 Month CD
$10,000
1.24%
▼
Rate1.23%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
3 month Share Certificate
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 Month Certificate
$2,000
1.00%
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3 Month Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3 Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 3-Month
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Minimum to open & earn dividends: $100,000
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Certificates (CDs)
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 3 month
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3-month Share Certificate
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD Term
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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—
UpdatedApr 12, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
6-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 12, 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—
UpdatedApr 12, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
6 month Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
6-Month Add-On Promotional Share Certificate
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Additional deposits up to the initial opening deposit amount can be made at any time without penalty.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
Share Certificates 6 month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 6 month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Over $90,000
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
IRA Certificate Account Terms 6-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit Account CDs 6 Month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
IRA - 6 Month Certificate
$0
3.54%
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 6 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
6 Month Consumer Certificates and IRA Certificates
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
6 Month IRA Pick-A-Term Certificates
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
6 MONTH CERTIFICATE
$0
3.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
6 Month Certificate of Deposit
$10,000
3.32%
▼
Rate3.27%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Valley Oak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
6 Month Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6 Month CD
$1,000
3.24%
▼
Rate3.19%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 Min.
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6 Month Certificate Special
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Certificate penalties for early withdrawal may apply. Certificate will roll over to a standard Certificate at non-promotional dividend rate in effect at time of maturity based on term and renewal balance. Also available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). Capitol Club Only: If your Capitol Club status entitles you to a premium dividend rate on your Certificate, the premium dividend rate will take effect the day after your Certificate is opened or renews. Capitol Club rate increase is .25% for eligible members.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Jumbo Certificates 6 Month
$50,000
3.15%
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
6-Month Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
6 Month Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
6-Month Certificates
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
6-MONTH Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 Month Certificate
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Non-Rewards+ Loyalty Program
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
6 Month Certificate
$10,000
2.90%
▼
Rate2.86%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
6-Month Share Certificates
$50,000
2.80%
▼
Rate2.77%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
6 month Certificates and IRAs
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 6 month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Under $100,000
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
6 Month Term Share & IRA Term Share Accounts
$100,000
2.73%
▼
Rate2.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
Term Share Certificates & IRA Share Certificates 6 Month
$1,000
2.70%
▼
Rate2.67%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.65%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6-Month CD
$25,000
2.65%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.78%
6-Month Share Certificates
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
6 Month Certificate
$0
2.33%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
6-month IRA Traditional & Roth Share Certificates
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6 Month Certificate
$0
2.12%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
6-Month Share Certificates
$0
2.03%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
6 MONTH IRA CERTIFICATE
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
6 Month Savings Certificate
$90,000
1.50%
▼
Rate1.48%
Min Deposit$90,000
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Certificates (CDs)
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
6 Month Certificate
$2,000
1.00%
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Ontario Public Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
IRA - 12 Month Certificate
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
1 year Certificate
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
PremiumSpend Checking bundle
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
HavenTM Certificate 12-month GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 12, 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—
UpdatedApr 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$10,000 - $49,999.99
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA - 1 Year k
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$100
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Limited time offer. Only available in our branches.
Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
12-Month Variable Rate Certificate
$0
3.77%
▼
Rate3.71%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1 Year Youth Share Certificates
$250
3.75%
▼
Rate3.69%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Get Fit IRA 1 Year Certificate
$1,000
3.70%
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
IRA Share Certificates 12 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit Account CDs 12 Month
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 12 Month Certificates
$1,500
3.56%
▼
Rate3.50%
Min Deposit$1,500
Min Balance—
UpdatedApr 12, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1-Year Certificate
$100,000
3.55%
▼
Rate3.49%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12 Month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
12 Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rewards+ Loyalty Program
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
12-Month Share Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Plus 1 relationship product
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1-Year Certificate and IRA Certificates
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
12 month Share Certificate
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
1 YEAR CERTIFICATE
$0
3.38%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Valley Oak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
12 Month Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
12 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
12 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
Share Certificates 1 year
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 12-Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
12-month Certificate
$10,000
3.20%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12-Month Term Share Certificate
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
1 Year Certificate of Deposit
$10,000
3.17%
▼
Rate3.12%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Glendale Area Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
IRA Certificates 1 Year
$100
3.10%
▼
Rate3.06%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
12 Month Certificate
$10,000
3.05%
▼
Rate3.01%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
12 Month Certificate Special
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Certificate penalties for early withdrawal may apply. Certificate will roll over to a standard Certificate at non-promotional dividend rate in effect at time of maturity based on term and renewal balance. Also available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). Capitol Club Only: If your Capitol Club status entitles you to a premium dividend rate on your Certificate, the premium dividend rate will take effect the day after your Certificate is opened or renews. Capitol Club rate increase is .25% for eligible members.
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
12 MONTH CERTIFICATE
$100
3.03%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
12-Month Share Certificates
$50,000
3.00%
▼
Rate2.96%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
12 Month Share Certificates
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
Jumbo Term Share Certificates & IRA Share Certificates 1 Year
$100,000
2.90%
▼
Rate2.86%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
12 month Certificates and IRAs
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1 Year Term Savings Certificates
$100,000
2.85%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1 Year CD
$1,000
2.83%
▼
Rate2.79%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 Min.
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
1 Year Term Share & IRA Term Share Accounts
$100,000
2.78%
▼
Rate2.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Funding Limit: $12M
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
12 MONTH CERTIFICATE
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1 year add on Certificate Account
$50
2.63%
▼
Rate2.60%
Min Deposit$50
Min Balance—
UpdatedApr 12, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1 Year Certificate of Deposit
$1,000
2.60%
▼
Rate2.56%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
12 Month CD 100,000.00+
$100,000
2.58%
▼
Rate2.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
12 Month Certificates
$0
2.32%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
As High As
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
18-month IRA Traditional & Roth Share Certificates
$1,000
4.15%
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
HavenTM Certificate 18-month GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$50,000 - $99,999.99
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 18 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Over $90,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month Variable Rate IRA
$0
3.62%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 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—
UpdatedApr 12, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
18 Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rewards+ Loyalty Program
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
18-Month Certificate and IRA Certificates
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
18 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Valley Oak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
18 Month Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
18 Month Certificate
$100,000
3.20%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
18-month CD
$25,000
3.15%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 18 Month Certificates
$1,500
3.05%
▼
Rate3.01%
Min Deposit$1,500
Min Balance—
UpdatedApr 12, 2026
Details
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18-month IRA Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Special 18 Month Certificate
$0
2.76%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
18 Month CD 100,000.00+
$100,000
2.58%
▼
Rate2.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
18-Month Share Certificates
$0
2.54%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
18 Month Certificates
$500
2.43%
▼
Rate2.40%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
18 Month Bump Term Share and Traditional, Roth & SEP IRA Certificates
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
18 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
18 Month Savings Certificate
$350,000
1.70%
▼
Rate1.68%
Min Deposit$350,000
Min Balance—
UpdatedApr 12, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 18 month
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.50%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Universal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 MONTH TERM (ADDITION ALLOWED)
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
18 Month Certificate of Deposit
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
24-month IRA Traditional & Roth Share Certificates
$1,000
4.50%
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 and over
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
24-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 12, 2026
Details
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
1-2 Year Share Certificate
$250,000
3.87%
▼
Rate3.80%
Min Deposit$250,000
Min Balance—
UpdatedApr 12, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 24 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Over $90,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
24 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Jumbo College Saver Certificates 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Minimum to open & earn dividends: $100,000
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
24 Month - Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
24-month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
IRA Certificates 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
2 Year Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit Account CDs 24 Month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
24 Month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
24 Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rewards+ Loyalty Program
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
24-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
24 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Valley Oak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
24 Month Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
24 month Share Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
IRA Share Certificates 2 Year
$0
3.29%
▼
Rate3.24%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Glendale Area Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
IRA Certificates 2 Year
$100
3.20%
▼
Rate3.15%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Jumbo Certificates 24 Month
$50,000
3.15%
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
24-Month Share Certificates
$500
3.10%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2-Year Certificate
$100,000
3.05%
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 24-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
Term Share Certificates & IRA Share Certificates 2 Year
$1,000
2.95%
▼
Rate2.91%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2 Year Term Share & IRA Term Share Accounts
$100,000
2.94%
▼
Rate2.90%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
24-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
24 MONTH CERTIFICATE
$100
2.83%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
2 Year Certificate
$100
2.75%
▼
Rate2.71%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
2 Year CD
$1,000
2.73%
▼
Rate2.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 Min.
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 24 Month Certificates
$1,500
2.72%
▼
Rate2.69%
Min Deposit$1,500
Min Balance—
UpdatedApr 12, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2 Year Certificate
$0
2.71%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
24 Month Certificates
$500
2.68%
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Certificates (CDs)
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
24 Month CD 100,000.00+
$100,000
2.53%
▼
Rate2.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
2 Year Certificate of Deposit
$10,000
2.50%
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2 Year Certificate of Deposit
$1,000
2.40%
▼
Rate2.38%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
24-Month Share Certificates
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
24 MONTH IRA CERTIFICATE
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2 Year Time Deposit Account
$0
1.85%
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
24 Month Savings Certificate
$350,000
1.80%
▼
Rate1.78%
Min Deposit$350,000
Min Balance—
UpdatedApr 12, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
24 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
2 Year Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
24-Month Certificate
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
2-Year IRA
$50,000
0.80%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
$50,000.00 & over
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 24 month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Jumbo Certificates of Deposit 2 year
$99,000
0.55%
▼
Rate0.55%
Min Deposit$99,000
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
36-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 36 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Over $90,000
Home Bank of California
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 MONTH JUMBO CD
$10,000
3.78%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Annual Percentage Yield, effective as of 04/01/2026. $10,000.00 minimum NEW MONEY investment in Certificate of Deposit to receive stated rate. Additional Certificate of Deposit rates and terms are available. Rates are subject to change. Fees may reduce earnings. Penalty for early withdrawal.
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
36 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
3 Year Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.78%
36-Month Share Certificates
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3-Year Certificate and IRA Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Jumbo College Saver Certificates 36-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Minimum to open & earn dividends: $100,000
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
36 Month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
36 Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rewards+ Loyalty Program
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 YEAR CERTIFICATE
$0
3.49%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
3-Year Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Valley Oak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
36 Month Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
IRA Share Certificates 3 Year
$0
3.34%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
36 Month Share Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
36-Month Share Certificates
$50,000
3.10%
▼
Rate3.06%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
36 month Share Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
36-Month Term Share Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 36-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
36 month Certificates and IRAs
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
36 Month Certificates
$500
2.94%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
36-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
Term Share Certificates & IRA Share Certificates 3 Year
$1,000
2.80%
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3 Year Certificate
$0
2.76%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Certificates (CDs)
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3-Year Certificate
$100,000
2.70%
▼
Rate2.67%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 36 Month Certificates
$1,500
2.65%
▼
Rate2.62%
Min Deposit$1,500
Min Balance—
UpdatedApr 12, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3 Year CD
$1,000
2.52%
▼
Rate2.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 Min.
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
3 Year Certificate of Deposit
$10,000
2.50%
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
36 Month CD 100,000.00+
$100,000
2.43%
▼
Rate2.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
36 MONTH CERTIFICATE
$100
2.32%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3-Year Certificate
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
36-Month Share Certificates
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
36 Month Savings Certificate
$0
1.95%
▼
Rate1.92%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
36 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3 Year Certificate
$0
1.61%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 36 month
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
36 Month Share Certificate
$100,000
0.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
36 Month Certificate
$1,000
0.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
$1,000.00 - $9,999.99
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
48-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 12, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 48 month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Over $90,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
48 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
4-Year Certificate and IRA Certificates
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.78%
48-Month Share Certificates
$1,000
3.65%
▼
Rate3.58%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Mini-Jumbo College Saver Certificates 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Minimum to open & earn dividends: $50,000
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
48 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
48 Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rewards+ Loyalty Program
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
48 Month Share Certificates
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
IRA Share Certificates 4 Year
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Valley Oak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
48 Month Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
4 Year Certificate
$200
3.25%
▼
Rate3.20%
Min Deposit$200
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
Jumbo Term Share Certificates & IRA Share Certificates 4 Year
$100,000
3.20%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
IRA Certificates (Fixed Rate) 4 Year Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
48 Month Certificates
$25,000
3.09%
▼
Rate3.05%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
48 month Certificates and IRAs
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 48-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Certificates (CDs)
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
4-Year Certificate
$100,000
2.85%
▼
Rate2.81%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
48 month Share Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
48 MONTH IRA CERTIFICATE
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
48 Month CD 100,000.00+
$100,000
2.53%
▼
Rate2.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
48-Month Term Share Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
4 Year Certificate of Deposit
$10,000
2.50%
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
4-Year Certificate
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
48-Month Share Certificates
$0
2.07%
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 48 Month Certificates
$1,500
1.96%
▼
Rate1.94%
Min Deposit$1,500
Min Balance—
UpdatedApr 12, 2026
Details
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
48 MONTH CERTIFICATE
$100
1.81%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
48 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
4 Year Certificate
$0
1.71%
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
48 Month Share Certificate
$100,000
1.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 48 month
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
48-Month Certificate
$1,000
0.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
$1,000.00 - $9,999.99
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
48-Month Certificate
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
60-month IRA Traditional & Roth Share Certificates
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 and over
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
6 to 60-Month GoldStar? Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate is 0.100% APY lower for non-GoldStar? members
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
60 Month Share Certificates
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
5-Year Certificate and IRA Certificates
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 60 month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Over $90,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.78%
60-Month Share Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Jumbo College Saver Certificates 60-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Minimum to open & earn dividends: $100,000
Technicolor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1 - 5 Year Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
60 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
60 Month Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5 YEAR CERTIFICATE
$0
3.59%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
60-MONTH Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
IRA Certificates 5 Year
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Glendale Area Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
IRA Certificates 5 Year
$100
3.50%
▼
Rate3.44%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
UMe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
IRA Certificates (CD) with 60 month term
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
IRA Share Certificates 5 Year
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Valley Oak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
60 Month Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5-Year Certificate
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
60 Month Certificates
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
60-Month Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
60 month Certificates and IRAs
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
IRA Certificates (Fixed Rate) 5 Year Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
60-Month Special Certificate Account
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
5 Year Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Yolo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
60 month term Certificate Rate
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
60 Month CD 100,000.00+
$100,000
2.63%
▼
Rate2.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
5 Year CD
$1,000
2.62%
▼
Rate2.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 Min.
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
5 Year Certificate of Deposit
$10,000
2.50%
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
60 Month IRA
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
5-Year Certificate
$0
2.12%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 60 Month Certificates
$1,500
2.09%
▼
Rate2.07%
Min Deposit$1,500
Min Balance—
UpdatedApr 12, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
60-Month Term Share Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
60 MONTH CERTIFICATE
$100
1.81%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5 Year Time Deposit Account
$0
1.80%
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
60 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
IRA 60-Month
$0
1.46%
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month Share Certificate
$100,000
1.35%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Jumbo Certificates of Deposit 5 year
$99,000
1.00%
▼
Rate1.00%
Min Deposit$99,000
Min Balance—
UpdatedApr 12, 2026
Details
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
60-Month Certificate
$1,000
0.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
$1,000.00 - $9,999.99
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
60 Month Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 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.
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Mccloud, CA CD Rate Trends
Compare local Mccloud, 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
2.530%
▼ 0.429 vs 7 days ago
California 12-month CD rates fell 0.429 points over the past 7 days to 2.530% APY.
6-Month CD — CA Avg
2.127%
▼ 0.611 vs 7 days ago
California 6-month CD rates fell 0.611 points over the past 7 days to 2.127% APY.
As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Mccloud, California
Are CD rates in Mccloud, California FDIC insured?
Yes, most established banks in Mccloud, 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 Mccloud, 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 Mccloud, 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 Mccloud, 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 Mccloud, California?
Here are recent top rates found for this area:
- Premier One Credit Union: 4.50% APY (24-month IRA Traditional & Roth Share Certificates)
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- United Fidelity Bank: 4.20% APY (6-Month CD Term)
- Central Valley Firefighters Credit Union: 4.12% APY (IRA - 12 Month Certificate)
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 2 Year Retirement Share Certificate)
- F&A Federal Credit Union: 4.10% APY (1 year Certificate)
- USC Credit Union: 4.05% APY (12-month certificate)
- Citizens National Bank of Texas: 4.04% APY (6 month CDs)
- American United Federal Credit Union: 4.00% APY (HavenTM Certificate 12-month GoldStar? Membership)
- Aerospace Federal Credit Union: 3.95% APY (12-month Share Certificate)
Rates reflect recent verified offers available in Mccloud, California. Last Updated: April 12, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Mccloud, 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 pulling data straight 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 Mccloud, 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: April 12, 2026
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