Certified Federal Credit Union Savings & Money Market Rates

How Certified Federal Credit Union’s savings 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
0.60%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$60
Money Market
Top rate
Woori America Bank
5.00%APY
Requires
Monthly account activity
Minimum
$1,000
Earns on $10,000 a year
$500
Woori America Bank rates
2nd-highest rate
Nuvision Credit Union
4.50%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$450
Nuvision Credit Union rates

Compare savings rates near you →

81

Savings score

Higher than 56% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.35%
$10,000 balance$10,0000.60%
$100,000 balance$100,0001.35%
QualifiedQualified0.60%

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.

How the score works →

Where Certified Federal Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Money Market

0.60%APY

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $9,999	0.35%	—
$10,000 – $49,999	0.60%	$60
$50,000 – $99,999	1.00%	—
$100,000 and up	1.35%	—

Sources (2)

All captured Sep 16, 2026

Share Savings

0.05%APY$5 to open

Establishes membership share and voting right in the credit union. Requires a $5 minimum opening deposit and $5 minimum balance. No monthly maintenance fee, but a $5 monthly low balance fee applies after 12 months of inactivity with an aggregate balance below $50. Fees could reduce earnings.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceRate applies to all savings balances. Fees could reduce earnings on the account. $5 monthly fee applies after 12 months of inactivity and aggregate balance of less than $50.Any balance	0.05%	$5	Rate applies to all savings balances. Fees could reduce earnings on the account. $5 monthly fee applies after 12 months of inactivity and aggregate balance of less than $50.

Sources (3)

All captured Oct 6, 2026

Special-purpose accounts

Individual Retirement Account

1.25%APYIRA

Offers Traditional and Roth IRAs with tax-deferred or tax-free growth options. Withdrawals before age 59½ are subject to a 10% penalty. Federally insured up to $250,000. IRA transfer to another institution incurs a $50 fee. Penalties may apply for early withdrawals.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceVariable Daily Rate. Penalties may apply for early withdrawals.Any balance	1.25%	$125	Variable Daily Rate. Penalties may apply for early withdrawals.

Sources (5)

All captured Oct 6, 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.

Check membership requirements ↗Branches and institution details