Credit union · NCUA insured
Corazo Credit Union CD Rates
Top CarrotCorazo Credit Union’s best CD rate is 4.55% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Corazo Credit Union’s CD rates compare
Compared with banks and credit unions near El Centro, CA, where Corazo Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Corazo Credit Union
4.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,462
Regular Certificates
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
3rd-highest rate
Bank of America
3.75%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $217
Corazo Credit Union CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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 Corazo 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 Certificates
Up to 4.55%APY · 8 terms
Dividends can be compounded, mailed, or deposited to savings or checking. Flexibility to make deposits anytime during certificate term. NCUA insured up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate type. Minimum balance to earn dividend is $100,000 | 2.55% | — |
| 6 monthsFixed rate type. Minimum balance to earn dividend is $100,000 | 2.75% | — |
| 12 monthsFixed rate type. Minimum balance to earn dividend is $100,000 | 3.30% | — |
| 18 monthsFixed rate type. Minimum balance to earn dividend is $100,000 | 3.55% | — |
| 24 monthsFixed rate type. Minimum balance to earn dividend is $100,000 | 3.80% | — |
| 36 monthsFixed rate type. Minimum balance to earn dividend is $100,000 | 4.05% | — |
| 48 monthsFixed rate type. Minimum balance to earn dividend is $100,000 | 4.30% | — |
| 60 monthsFixed rate type. Minimum balance to earn dividend is $100,000 | 4.55% | — |
Sources (2)
All captured Oct 6, 2026
Regular Certificates
Up to 4.50%APY · 8 terms
Short-term (< 1 year) or long-term (> 1 year). Dividends can be compounded, mailed, or deposited to savings or checking. Flexibility to make deposits anytime during certificate term. NCUA insured up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate type. Minimum balance to earn dividend is $500 | 2.50% | $62 |
| 6 months6 Month Promo. Fixed rate type. Minimum balance to earn dividend is $500 | 4.25% | $210 |
| 6 monthsFixed rate type. Minimum balance to earn dividend is $500 | 2.70% | $134 |
| 12 months12 Month Promo. Fixed rate type. Minimum balance to earn dividend is $500 | 4.00% | $400 |
| 12 monthsFixed rate type. Minimum balance to earn dividend is $500 | 3.25% | $325 |
| 18 monthsFixed rate type. Minimum balance to earn dividend is $500 | 3.50% | $530 |
| 24 monthsFixed rate type. Minimum balance to earn dividend is $500 | 3.75% | $764 |
| 36 monthsFixed rate type. Minimum balance to earn dividend is $500 | 4.00% | $1,249 |
| 48 monthsFixed rate type. Minimum balance to earn dividend is $500 | 4.25% | $1,811 |
| 60 monthsFixed rate type. Minimum balance to earn dividend is $500 | 4.50% | $2,462 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificates
Up to 3.75%APY · 3 terms
Available as Traditional IRA, Roth IRA, or Coverdell ESA wrappers. No annual fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed rate type. Minimum balance to earn dividend is $500 | 3.25% | $325 |
| 18 monthsFixed rate type. Minimum balance to earn dividend is $500 | 3.50% | $530 |
| 24 monthsFixed rate type. Minimum balance to earn dividend is $500 | 3.75% | $764 |
Sources (3)
- corazocu.com/accounts/retirement
- corazocu.com/rates-fees/deposit-rates
- corazocu.com/rates-fees/schedule-of-fees
All captured Oct 6, 2026
Who can join Corazo Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to all who live, work, or worship in Imperial County.
- Membership is open to all who live, work, or worship in 14 cities in Riverside County (Banning, Beaumont, Blythe, Cathedral City, Coachella, Desert Hot Springs, Indian Wells, Indio, La Quinta, Palm Desert, Palm Springs, Rancho Mirage, Thermal, and Thousand Palms).
Membership information collected October 5, 2026.