Credit union · NCUA insured
Certified Federal Credit Union CD Rates
Top CarrotCertified Federal Credit Union’s best CD rate is 3.55% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Certified Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Certified Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Certified Federal Credit Union
3.55%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $176
Jumbo Share Certificates
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
Certified Federal Credit Union CD score
73
CD score
Higher than 35% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo3.10%
- QualifiedQualified3.55%
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 Certified 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.
Jumbo Share Certificates
3.55%APY · 3 terms
Penalties may apply for early withdrawals. Higher minimum balance requirement in exchange for higher annual yield.
| Term | APY · $10,000 and up | APY · $50,000 and up | APY · $95,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsPenalties may apply for early withdrawals | 3.55% | — | — | 3.55% | $176 |
| 12 monthsPenalties may apply for early withdrawals | — | 3.30% | 3.50% | —3.30% from $50k3.50% from $95k | — |
| 60 monthsPenalties may apply for early withdrawals | — | — | 3.30% | —3.30% from $95k | — |
Share Certificates
Up to 3.30%APY · 6 terms
Early withdrawal penalties may apply. Minimum balance requirement is $1,000. Term lengths range from 6 months to 5 years. Insured up to $250,000 by NCUA/NCUSIF.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalties may apply for early withdrawals | 2.65% | $132 |
| 12 monthsPenalties may apply for early withdrawals | 3.30% | $330 |
| 18 monthsPenalties may apply for early withdrawals | 3.15% | $476 |
| 24 monthsPenalties may apply for early withdrawals | 3.05% | $619 |
| 36 monthsPenalties may apply for early withdrawals | 3.00% | $927 |
| 60 monthsPenalties may apply for early withdrawals | 3.10% | $1,649 |
Special-purpose accounts
Jumbo Traditional IRA Certificate
Up to 3.50%APY · 2 terms
Penalties may apply for early withdrawals. Higher minimum balance requirement in exchange for higher annual yield. Traditional IRA tax terms apply. Insured up to $250,000. $50 IRA transfer to another institution fee.
| Term | APY · $50,000 and up | APY · $95,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsPenalties may apply for early withdrawals | 3.30% | 3.50% | —3.30% from $50k3.50% from $95k | — |
| 60 monthsPenalties may apply for early withdrawals | — | 3.30% | —3.30% from $95k | — |
IRA Certificate
Up to 3.30%APY · 5 terms
Penalties may apply for early withdrawals. Tax-deferred growth. Available for Traditional and Roth IRAs. Insured up to $250,000. $50 IRA transfer to another institution fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalties may apply for early withdrawals | 3.30% | $330 |
| 18 monthsPenalties may apply for early withdrawals | 3.15% | $476 |
| 24 monthsPenalties may apply for early withdrawals | 3.05% | $619 |
| 36 monthsPenalties may apply for early withdrawals | 3.00% | $927 |
| 60 monthsPenalties may apply for early withdrawals | 3.10% | $1,649 |
Sources (6)
- certifiedfed.com/checking-and-savings/roth-ira
- certifiedfed.com/checking-and-savings/traditional-ira
- certifiedfed.com/rates-2
- certifiedfed.com/accounts/inve…-retirement-accounts-ira
- certifiedfed.com/rates/individ…rement-account-ira-rates
- certifiedfed.com/wp-content/up…-OF-FEES-030125rev-1.pdf
All captured Sep 16, 2026
Who can join Certified Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Associates of participating grocery retailers are eligible for membership.
Family and household
- Family and household members of eligible grocery retailer associates and members are eligible for membership.
Cost to join
- There is no deposit required to join and no monthly fee.
Membership information collected October 5, 2026.