Credit union · NCUA insured
California Community Credit Union CD Rates
Top CarrotCalifornia Community Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How California Community Credit Union’s CD rates compare
Compared with banks and credit unions near Sacramento, CA, where California Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
California Community Credit Union
4.00%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $198
Term Account / Certificate
Top rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,412
2nd-highest rate
Heritage Community Credit Union
4.40%APY
- Term
- 22 months
- Minimum
- $1,000
- Earns on $10,000
- $821
California Community Credit Union CD score
84
CD score
Higher than 66% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.45%
- 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 California Community 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.
Jumbo Certificate
Up to 4.00%APY · 7 terms
Early withdrawals from Term / Certificate Accounts may result in substantial penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate type. Minimum to earn dividends is $100,000.00. Early withdrawal penalty applies | 3.05% | — |
| 6 monthsFixed rate type. Minimum to earn dividends is $100,000.00. Early withdrawal penalty applies | 4.00% | — |
| 12 monthsFixed rate type. Minimum to earn dividends is $100,000.00. Early withdrawal penalty applies | 3.85% | — |
| 24 monthsFixed rate type. Minimum to earn dividends is $100,000.00. Early withdrawal penalty applies | 3.30% | — |
| 36 monthsFixed rate type. Minimum to earn dividends is $100,000.00. Early withdrawal penalty applies | 3.40% | — |
| 48 monthsFixed rate type. Minimum to earn dividends is $100,000.00. Early withdrawal penalty applies | 3.45% | — |
| 60 monthsFixed rate type. Minimum to earn dividends is $100,000.00. Early withdrawal penalty applies | 3.50% | — |
Sources (1)
- caccu.org/rates · captured Oct 6, 2026
Term Account / Certificate
Up to 4.00%APY · 7 terms
Early withdrawals from Term / Certificate Accounts may result in substantial penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate type. Minimum to earn dividends is $1,000.00. Early withdrawal penalty applies | 3.00% | $74 |
| 6 monthsFixed rate type. Minimum to earn dividends is $1,000.00. Early withdrawal penalty applies | 4.00% | $198 |
| 12 monthsFixed rate type. Minimum to earn dividends is $1,000.00. Early withdrawal penalty applies | 3.85% | $385 |
| 24 monthsFixed rate type. Minimum to earn dividends is $1,000.00. Early withdrawal penalty applies | 3.25% | $661 |
| 36 monthsFixed rate type. Minimum to earn dividends is $1,000.00. Early withdrawal penalty applies | 3.35% | $1,039 |
| 48 monthsFixed rate type. Minimum to earn dividends is $1,000.00. Early withdrawal penalty applies | 3.40% | $1,431 |
| 60 monthsFixed rate type. Minimum to earn dividends is $1,000.00. Early withdrawal penalty applies | 3.45% | $1,848 |
Sources (1)
- caccu.org/rates · captured Oct 6, 2026
Term Savings Certificate Special
Up to 4.00%APY · 2 terms
Dividends paid quarterly, APY assumes dividends remain in account until maturity. Maximum deposit amount is $478,000.00. Early withdrawals incur a penalty. Renews to a standard Certificate at non-promotional dividend rate in effect at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid quarterly. Early withdrawal penalty applies. Renews to standard Certificate at non-promotional dividend rate at maturity | 4.00% | $198 |
| 12 monthsDividends paid quarterly. Early withdrawal penalty applies. Renews to standard Certificate at non-promotional dividend rate at maturity | 3.85% | $385 |
Sources (1)
- caccu.org/promotional · captured Oct 6, 2026
Special-purpose accounts
Junior Saver Certificate
3.15%APY · 1 term
Early withdrawals from Term / Certificate Accounts may result in substantial penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed rate type. Minimum to earn dividends is $500.00. Early withdrawal penalty applies | 3.15% | $315 |
Sources (1)
- caccu.org/rates · captured Oct 6, 2026
Who can join California Community Credit Union
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