Credit union · NCUA insured
CommonWealth Central Credit Union CD Rates
CommonWealth Central Credit Union’s best CD rate is 4.00% APY on a 9-month share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 16, 2026.
How CommonWealth Central Credit Union’s CD rates compare
Compared with banks and credit unions near San Jose, CA, where CommonWealth Central Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CommonWealth Central Credit Union
4.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $299
9 Mos. Special Certificate
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
CommonWealth Central Credit Union CD score
81
CD score
Higher than 56% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.85%
- 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 CommonWealth Central 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.
9 Mos. Special Certificate
4.00%APY · 1 term
For new money only (funds must not currently be deposited with CommonWealth). Single-term certificate that will not automatically renew at maturity; funds transfer to Regular Share Account at maturity. Limit one Special Share Certificate per member; cannot be combined with any other Special Share Certificate. After opening, no additional deposits allowed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsFor new money only. Maximum deposit limit is $250,000. Single term; does not automatically renew | 4.00% | $299 |
| 9 monthsFor new money only. Maximum deposit limit is $250,000. Single term; does not automatically renew. Early withdrawal penalty is 90 days of interest | 4.00% | $299 |
Sources (2)
All captured Sep 16, 2026
7 Mos. Special Certificate
3.75%APY · 1 term
For new money only (funds must not currently be deposited with CommonWealth). Single-term certificate that will not automatically renew at maturity; funds transfer to Regular Share Account at maturity. Limit one Special Share Certificate per member; cannot be combined with any other Special Share Certificate. After opening, no additional deposits allowed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsFor new money only. Maximum deposit limit is $250,000. Single term; does not automatically renew | 3.75% | $217 |
| 7 monthsFor new money only. Maximum deposit limit is $250,000. Single term; does not automatically renew. Early withdrawal penalty is 90 days of interest | 3.75% | $217 |
Sources (2)
All captured Sep 16, 2026
11 Mos. Welcome Certificate
3.60%APY · 1 term
For new members only and must be opened within 15 days of membership. Funds must not currently be deposited with CommonWealth. Single-term certificate that will not automatically renew at maturity; funds transfer to Regular Share Account at maturity. Limit one Welcome Share Certificate per member; cannot be combined with any other Special Share Certificate. After opening, no additional deposits allowed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsNew members only, must be opened within 15 days of membership. Maximum deposit limit is $250,000. Single term; does not automatically renew | 3.60% | $330 |
| 11 monthsNew members only, must be opened within 15 days of membership. Maximum deposit limit is $250,000. Single term; does not automatically renew. Early withdrawal penalty is 90 days of interest | 3.60% | $330 |
Sources (2)
All captured Sep 16, 2026
Share Certificate
Up to 3.25%APY · 7 terms
Available with a minimum deposit of $500. 12-month Certificates allow unlimited additional deposits throughout the term (minimum deposit amounts of $100). Early withdrawal penalty is 90 days of interest. Dividends are paid monthly based on simple daily interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.40% | $59 |
| 3 monthsEarly withdrawal penalty is 90 days of interest | 2.40% | $59 |
| 6 months | 3.15% | $156 |
| 6 monthsEarly withdrawal penalty is 90 days of interest | 3.15% | $156 |
| 12 monthsAllows unlimited additional deposits anytime during the term (minimum of $100 for each extra deposit). Early withdrawal penalty is 90 days of interest | 3.25% | $325 |
| 12 monthsAllows unlimited additional deposits throughout the term with minimum deposit amounts of $100 | 3.25% | $325 |
| 18 months | 3.00% | $453 |
| 18 monthsEarly withdrawal penalty is 90 days of interest | 3.00% | $453 |
| 24 months | 3.00% | $609 |
| 24 monthsEarly withdrawal penalty is 90 days of interest | 3.00% | $609 |
| 36 months | 2.85% | $880 |
| 36 monthsEarly withdrawal penalty is 90 days of interest | 2.85% | $880 |
| 48 months | 2.65% | $1,103 |
| 48 monthsEarly withdrawal penalty is 90 days of interest | 2.65% | $1,103 |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Youth Share Certificate
Up to 3.25%APY · 2 terms
For members under the age of 17 (or kids and teens). A Youth Savings Account is required to have a Youth Share Certificate. An adult member of CommonWealth must be joint on the account. Minimum opening deposit/balance of $250. Simple interest calculated daily, dividends paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.15% | $156 |
| 6 monthsFixed rate. A Youth Savings Account is required to have a Youth Share Certificate. An adult member of CommonWealth must be joint on the account | 3.15% | $156 |
| 6 monthsFor members under the age of 17 | 3.15% | $156 |
| 12 months | 3.25% | $325 |
| 12 monthsFixed rate. A Youth Savings Account is required to have a Youth Share Certificate. An adult member of CommonWealth must be joint on the account | 3.25% | $325 |
| 12 monthsFor members under the age of 17 | 3.25% | $325 |
Sources (3)
All captured Sep 16, 2026
Who can join CommonWealth Central Credit Union
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