Credit union · NCUA insured
Aerospace Federal Credit Union CD Rates
Top CarrotAerospace Federal Credit Union’s best CD rate is 4.05% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Aerospace Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Aerospace Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Aerospace Federal Credit Union
4.05%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $405
Share Certificate Account
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
Aerospace Federal Credit Union CD score
88
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.05%
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 Aerospace Federal 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.
Rainy Day Share Certificate Account
10.00%APY · 1 term
Available to new or existing AFCU members who meet the eligibility requirements: Aggregate average daily share balance in all share accounts must be $3,000 or less during the 180 days before opening; active or new qualifying direct deposit of at least $250 per month to AFCU Savings/Primary Share Account established by the 20th of the month following opening; initial $250 deposit required (initial maximum deposit $250); member must have or establish AFCU Checking Account with Debit Card and Online Banking with eStatements. Limit one per member in good standing. $250 maximum deposit automatically transferred to certificate balance on the 20th day of each calendar month during the 12-month term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRequires aggregate average daily balance in all share accounts of $3,000 or less during the 180 days prior to opening, initial deposit of $250, minimum balance of $250, recurring monthly direct deposit of at least $250 to Primary Share Account (which automatically transfers $250/month to certificate on the 20th), checking account with debit card, and online banking with eStatements | 10.00% | $1,000 |
Sources (3)
All captured Oct 6, 2026
Share Certificate Account
Up to 4.25%APY · 6 terms
Dividends post monthly and at maturity. Funds from an existing AFCU account (share or loan) or an external account can be used to fund the account (except for 9-month certificate which requires new money). Early withdrawal penalties apply.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 4.00% | 4.00% | $198 |
| 9 monthsNew money only. Funds from an existing AFCU account cannot be used; funds withdrawn and redeposited within a 30-day period cannot be used; payroll direct deposits are not considered new money. Offer valid October 1, 2026 through October 31, 2026 | 4.25% | — | 4.25% | $317 |
| 12 months | — | 4.05% | 4.05% | $405 |
| 18 months | — | 3.75% | 3.75% | $568 |
| 24 months | — | 3.75% | 3.75% | $764 |
| 36 months | — | 3.75% | 3.75% | $1,168 |
Sources (3)
All captured Oct 6, 2026
Special-purpose accounts
Youth Share Certificate (College Saver)
4.05%APY · 1 term
Designed to save for child or grandchild's college education. Rate reprices on an annual basis. Certificate reaches maturity and closes on the child's 18th birthday, at which point funds are transferred to their Share (Savings) Account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRate reprices on an annual basis; certificate reaches maturity and closes on child's 18th birthday | 4.05% | $405 |
Closed to new customers
Loyalty Share Certificate
4.15%APY · 1 term
Available to members with existing AFCU Share Certificates at maturity. When a certificate matures, it can renew as an AFCU Loyalty Share Certificate. Additional funds can be added during the 7-day maturity period and must be new money from another financial institution. Renewal rate determined at date of maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable upon maturity of an existing AFCU Share Certificate. Additional funds added during the 7-day maturity period must be new money | 4.15% | $415 |
Sources (1)
- aerofcu.org/Rates/Share · captured Oct 6, 2026
Who can join Aerospace Federal Credit Union
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