Credit union · NCUA insured
1st Nor Cal® Credit Union CD Rates
Top Carrot1st Nor Cal® Credit Union’s best CD rate is 3.30% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How 1st Nor Cal® Credit Union’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where 1st Nor Cal® Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
1st Nor Cal® Credit Union
3.30%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $330
Share Certificates
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
1st Nor Cal® Credit Union CD score
67
CD score
Higher than 18% of U.S. banks and credit unions
- 3–8 months3–8 mo3.15%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo2.95%
- QualifiedQualified3.30%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1st Nor Cal® Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.30%APY · 4 terms
Minimum deposit of $1,000. Rates compounded daily. A penalty may be imposed for early withdrawal.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY · $10,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 6–11 monthsMinimum daily balance $1,000.00. Early withdrawal penalty applies | 3.10% | — | — | — | — | 3.10% | $154 |
| 6–11 monthsMinimum daily balance $10,000.00. Early withdrawal penalty applies | — | — | 3.15% | — | — | 3.15% | $156 |
| 6–11 monthsMinimum daily balance $100,000.00. Early withdrawal penalty applies | — | — | — | — | 3.15% | —3.15% from $100k | — |
| 6–11 monthsMinimum daily balance $5,000.00. Early withdrawal penalty applies | — | 3.10% | — | — | — | 3.10% | $154 |
| 6–11 monthsMinimum daily balance $50,000.00. Early withdrawal penalty applies | — | — | — | 3.15% | — | —3.15% from $50k | — |
| 12 monthsMinimum daily balance $1,000.00. Early withdrawal penalty applies | 3.30% | — | — | — | — | 3.30% | $330 |
| 12 monthsMinimum daily balance $10,000.00. Early withdrawal penalty applies | — | — | 3.30% | — | — | 3.30% | $330 |
| 12 monthsMinimum daily balance $100,000.00. Early withdrawal penalty applies | — | — | — | — | 3.30% | —3.30% from $100k | — |
| 12 monthsMinimum daily balance $5,000.00. Early withdrawal penalty applies | — | 3.30% | — | — | — | 3.30% | $330 |
| 12 monthsMinimum daily balance $50,000.00. Early withdrawal penalty applies | — | — | — | 3.30% | — | —3.30% from $50k | — |
| 18 monthsMinimum daily balance $1,000.00. Early withdrawal penalty applies | 2.69% | — | — | — | — | 2.69% | $406 |
| 18 monthsMinimum daily balance $10,000.00. Early withdrawal penalty applies | — | — | 2.79% | — | — | 2.79% | $421 |
| 18 monthsMinimum daily balance $100,000.00. Early withdrawal penalty applies | — | — | — | — | 2.95% | —2.95% from $100k | — |
| 18 monthsMinimum daily balance $5,000.00. Early withdrawal penalty applies | — | 2.74% | — | — | — | 2.74% | $414 |
| 18 monthsMinimum daily balance $50,000.00. Early withdrawal penalty applies | — | — | — | 2.84% | — | —2.84% from $50k | — |
| 24 monthsMinimum daily balance $1,000.00. Early withdrawal penalty applies | 2.95% | — | — | — | — | 2.95% | $599 |
| 24 monthsMinimum daily balance $10,000.00. Early withdrawal penalty applies | — | — | 2.95% | — | — | 2.95% | $599 |
| 24 monthsMinimum daily balance $100,000.00. Early withdrawal penalty applies | — | — | — | — | 3.20% | —3.20% from $100k | — |
| 24 monthsMinimum daily balance $5,000.00. Early withdrawal penalty applies | — | 2.95% | — | — | — | 2.95% | $599 |
| 24 monthsMinimum daily balance $50,000.00. Early withdrawal penalty applies | — | — | — | 3.10% | — | —3.10% from $50k | — |
Sources (2)
All captured Oct 6, 2026
Who can join 1st Nor Cal® Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, regularly works, currently attends school, or currently worships in Contra Costa, Solano, or Alameda counties, and businesses/entities located there.
Family and household
- Membership is open to persons within the immediate family or household of a member.
- Membership is open to surviving persons within the immediate family of a deceased member.
Other ways
- Membership is open to corporate or other legal entities listed.
- Membership is open to organizations of eligible persons listed.
- Membership is open to persons retired as pensioners or annuitants from any of the eligible groups listed.
Cost to join
- Membership requires a one-time $5 minimum deposit.
Membership information collected October 5, 2026.