Credit union · NCUA insured
Arrowhead Credit Union CD Rates
Arrowhead Credit Union’s best CD rate is 4.00% APY on a 5-month share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 16, 2026.
How Arrowhead Credit Union’s CD rates compare
Compared with banks and credit unions near Riverside, CA, where Arrowhead Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Arrowhead Credit Union
4.00%APY
- Term
- 5 months
- Minimum
- $1,000
- Earns on $10,000
- $165
Share Certificate
Top rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
2nd-highest rate
CU SoCal
4.50%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $920
Arrowhead Credit Union CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo0.45%
- 31–60 months31–60 mo1.30%
- QualifiedQualified4.00%
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 Arrowhead 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 Certificate
Up to 4.00%APY · 7 terms
Dividends earned monthly. Insured up to at least $250,000 by NCUA. Subject to early withdrawal penalty.
| Term | APY · $1,000 and up | APY · $1,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 5 monthsSpecial limited-time promo share certificate. Early withdrawal penalties and other restrictions may apply | 4.00% | — | — | 4.00% | $165 |
| 6 months | — | 0.25% | 0.30% | 0.25%0.30% from $100k | $12 |
| 12 months | — | 0.30% | 0.35% | 0.30%0.35% from $100k | $30 |
| 12 monthsSpecial limited-time promo share certificate. Early withdrawal penalties and other restrictions may apply | 3.75% | — | — | 3.75% | $375 |
| 24 months | — | 0.45% | 0.50% | 0.45%0.50% from $100k | $90 |
| 36 months | — | 0.60% | 0.65% | 0.60%0.65% from $100k | $181 |
| 48 months | — | 0.95% | 1.00% | 0.95%1.00% from $100k | $385 |
| 60 months | — | 1.30% | 1.35% | 1.30%1.35% from $100k | $667 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificate
Up to 1.35%APY · 5 terms
Fixed and guaranteed rate with tax advantages of an IRA. Open with as little as $1,000. No annual maintenance fee. Federally insured up to $250,000. Early withdrawal penalties apply. Business accounts excluded.
| Term | APY · $1,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 0.35% | 0.40% | 0.35%0.40% from $100k | $35 |
| 24 months | 0.50% | 0.55% | 0.50%0.55% from $100k | $100 |
| 36 months | 0.65% | 0.70% | 0.65%0.70% from $100k | $196 |
| 48 months | 1.00% | 1.05% | 1.00%1.05% from $100k | $406 |
| 60 months | 1.35% | 1.40% | 1.35%1.40% from $100k | $693 |
Sources (2)
All captured Oct 6, 2026
Who can join Arrowhead Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can qualify for membership by joining Community Impact Fund (CIF) during the application process, with the association membership fee covered by Arrowhead.
- Anyone can qualify for membership by joining the Surfrider Foundation during the application process, with the association membership fee covered by Arrowhead; Arrowhead membership remains active even if not renewed after the initial first year.
Employers and groups
- Employees who work in the specified California locations for designated employers and organizations are eligible for membership.
- Employees who work in or are paid from San Bernardino for Stater Bros. Markets, San Bernardino Community Hospital, or St. Bernardine Hospital are eligible for membership.
- Employees of select employers in Riverside County who work at or are paid from Riverside, CA are eligible for membership.
- Employees who work in or are paid from the specified locations for Commonwealth Casualty Company (Phoenix, Arizona) or Honeyville, Inc (Ogden, Utah) are eligible for membership.
4 more ways to join
Military, government and schools
- California National Guard members and State Employees who work in or are paid from Sacramento, CA are eligible for membership.
- Employees of San Bernardino County who work in or are paid from San Bernardino County are eligible for membership.
- City employees who work in Adelanto, Barstow, Highland, Loma Linda, Montclair, Needles, Rancho Cucamonga, Rialto, or Upland, California are eligible for membership.
Family and household
- Immediate family members of an existing Arrowhead member in good standing qualify for membership (proof of family membership may be required).
Cost to join
- A one-time $4 member entrance fee is required to become a member.
- A $1 initial deposit and minimum balance in an Arrowhead Savings account is required.
Membership information collected October 5, 2026.