Credit union · NCUA insured
CU SoCal CD Rates
Top CarrotCU SoCal’s best CD rate is 7.00% APY on a 7-month share certificate (CD). Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How CU SoCal’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where CU SoCal has the most branches. $10,000, best rate first.
This credit union’s best
CU SoCal
4.50%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $920
Certificate
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
CU SoCal CD score
98
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.50%
- 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 CU SoCal 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.
7-Month Promotional Certificate
7.00%APY · 1 term
Promotional rate of 7.00% APY for 7 months valid October 15-December 31, 2026. Assumes dividends remain on deposit until maturity; dividends are compounded daily and credited monthly; early withdrawals will reduce earnings. The minimum certificate opening deposit is $500 new funds (defined as money not currently on deposit with CU SoCal); maximum contribution at time of opening is $7,000 and must be received by December 31, 2026. Offer available to CU SoCal Members over the age of 18. New Member online deposits are capped at $7,000 and must originate from an external (non-CU SoCal) account. Promotional certificate deposits via CU SoCal ACH transfers must remain on balance in account for a minimum of 60 days or early withdrawal penalties will apply. Early withdrawal penalty is 90 days of dividends on the amount withdrawn. If withdrawal reduces balance below minimum, certificate will close and remaining balance transfers to Regular Savings Account. Certificate automatically renews to a 6-month term at maturity at the then current APY unless withdrawn during grace period. Limit one promotional certificate per primary Member.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsPromotional rate of 7.00% APY for 7 months valid October 15-December 31, 2026. Minimum opening deposit $500 new funds, maximum opening contribution $7,000. Limit one per primary Member. Assumes dividends remain on deposit until maturity. Dividends compounded daily and credited monthly. Early withdrawal penalty is 90 days of dividends. Automatically renews into a 6-month certificate at maturity | 7.00% | — |
Sources (1)
- cusocal.org · captured Oct 16, 2026
Certificate
Up to 4.50%APY · 9 terms
Certificates are fixed accounts that will earn the stated dividend rate for the duration of the account term. A penalty may be imposed for early withdrawals. Must be a CU SoCal Member.
| Term | APY · $500 and up | APY · $7,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 monthNon-Rewards+ Loyalty Program rate | — | 0.10% | 0.10% | $1 |
| 1 monthRewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member | — | 3.50% | 3.50% | $29 |
| 3 monthsNon-Rewards+ Loyalty Program rate | 2.60% | — | 2.60% | $64 |
| 3 monthsRewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member | 3.75% | — | 3.75% | $92 |
| 6 monthsNon-Rewards+ Loyalty Program rate | 2.85% | — | 2.85% | $141 |
| 6 monthsRewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member | 4.25% | — | 4.25% | $210 |
| 12 monthsNon-Rewards+ Loyalty Program rate. For Minor Certificates, the minimum term is 12 months; the minimum opening balance and minimum to earn dividends is $500 | 3.10% | — | 3.10% | $310 |
| 12 monthsRewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member. For Minor Certificates, the minimum term is 12 months; the minimum opening balance and minimum to earn dividends is $500 | 4.25% | — | 4.25% | $425 |
| 18 monthsNon-Rewards+ Loyalty Program rate | 3.00% | — | 3.00% | $453 |
| 18 monthsRewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member | 4.25% | — | 4.25% | $644 |
| 24 monthsNon-Rewards+ Loyalty Program rate | 2.85% | — | 2.85% | $578 |
| 24 monthsRewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member | 4.50% | — | 4.50% | $920 |
| 36 monthsNon-Rewards+ Loyalty Program rate | 2.85% | — | 2.85% | $880 |
| 36 monthsRewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member | 4.50% | — | 4.50% | $1,412 |
| 48 monthsNon-Rewards+ Loyalty Program rate | 2.85% | — | 2.85% | $1,190 |
| 48 monthsRewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member | 4.50% | — | 4.50% | $1,925 |
| 60 monthsNon-Rewards+ Loyalty Program rate | 3.00% | — | 3.00% | $1,593 |
| 60 monthsRewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member | 4.50% | — | 4.50% | $2,462 |
Sources (2)
All captured Oct 6, 2026
12-Month Promotional Certificate
4.25%APY · 1 term
New funds only from outside CU SoCal. Must be a CU SoCal Member. New Member maximum online opening deposit is up to $150,000. Deposits made through electronic transfers (ACH) will not be available for withdrawal for 60 days from the date of deposit. Early withdrawals may incur a 180-day dividend penalty. Automatically renews into a 12-month certificate at the prevailing rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPromotional APY and rate are available for a limited time; new funds only. Fixed rate 4.17% dividend rate. Minimum deposit to open is $500; no maximum deposit | 4.25% | $425 |
Special-purpose accounts
IRA Certificate
Up to 4.50%APY · 6 terms
For Traditional and Roth IRAs, the minimum term is 12 months. Coverdell Education IRAs are only available in 12-month terms. IRAs are fixed accounts that will earn the stated dividend rate for the duration of the account term. A penalty may be imposed for early withdrawals. For Traditional, Roth and Coverdell Education IRAs, the minimum opening balance and minimum to earn dividends is $25.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsNon-Rewards+ Loyalty Program rate. For Traditional and Roth IRAs, the minimum term is 12 months. Coverdell Education IRAs are only available in 12-month terms | 3.10% | $310 |
| 12 monthsRewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member. For Traditional and Roth IRAs, the minimum term is 12 months. Coverdell Education IRAs are only available in 12-month terms | 4.00% | $400 |
| 18 monthsNon-Rewards+ Loyalty Program rate | 3.00% | $453 |
| 18 monthsRewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member | 4.00% | $606 |
| 24 monthsNon-Rewards+ Loyalty Program rate | 2.85% | $578 |
| 24 monthsRewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member | 4.50% | $920 |
| 36 monthsNon-Rewards+ Loyalty Program rate | 2.85% | $880 |
| 36 monthsRewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member | 4.50% | $1,412 |
| 48 monthsNon-Rewards+ Loyalty Program rate | 2.85% | $1,190 |
| 48 monthsRewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member | 4.50% | $1,925 |
| 60 monthsNon-Rewards+ Loyalty Program rate | 3.00% | $1,593 |
| 60 monthsRewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member | 4.50% | $2,462 |
Sources (1)
- cusocal.org/loans/personal/rates · captured Oct 16, 2026
Who can join CU SoCal
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.