Credit union · NCUA insured
Downey Federal Credit Union CD Rates
Top CarrotDowney Federal Credit Union’s best CD rate is 2.50% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Downey Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Downey Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Downey Federal Credit Union
3.85%APY
- Term
- 10 months
- Requires
- Another account
- Minimum
- $2,000
- Earns on $10,000
- $320
Flex 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
Downey Federal Credit Union CD score
64
CD score
Higher than 11% of U.S. banks and credit unions
- 3–8 months3–8 mo1.25%
- 9–15 months9–15 mo1.50%
- 16–30 months16–30 mo1.75%
- 31–60 months31–60 mo2.50%
- QualifiedQualified3.85%
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 Downey 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.
Flex Certificate
Up to 3.85%APY · 1 term
Requires membership at Downey Federal Credit Union. No monthly service charge. Unlimited deposits in increments of $1,000 or more. Allows a one-time penalty-free withdrawal of up to 50% of the balance after seven calendar days.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsAvailable with an open Shield Elite Checking Account and membership in good standing. New money requirement waived for active Shield Elite Checking Account holders | 3.85% | $320 |
| 10 monthsStandard base rate when not qualifying for promotional rate or new money increase, and default rate at renewal without Shield Elite Checking | 3.10% | $258 |
| 10 monthsWithout a Shield Elite Checking Account. Includes 0.25% APY new money increase; requires new money deposited from another financial institution | 3.35% | $278 |
Certificates
Up to 2.50%APY · 6 terms
Quarterly dividend period. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsQuarterly dividend period | 1.25% | $62 |
| 12 monthsQuarterly dividend period | 1.50% | $150 |
| 24 monthsQuarterly dividend period | 1.75% | $353 |
| 36 monthsQuarterly dividend period | 2.00% | $612 |
| 48 monthsQuarterly dividend period | 2.25% | $931 |
| 60 monthsQuarterly dividend period | 2.50% | $1,314 |
Sources (3)
- downeyfcu.org/page.php?id=savings-rates
- downeyfcu.org/page.php?id=certificates
- doc.downeyfcu.org/espanol/dfcu-rate-sheet-espanol.pdf
All captured Oct 6, 2026
Special-purpose accounts
Flex IRA Certificate
Up to 3.85%APY · 1 term
Requires membership at Downey Federal Credit Union. Excludes IRA Share accounts. No monthly service charge. Unlimited deposits in increments of $1,000 or more. Allows a one-time penalty-free withdrawal of up to 50% of the balance after seven calendar days, subject to IRS limitations and penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsAvailable with an open Shield Elite Checking Account and membership in good standing. New money requirement waived for active Shield Elite Checking Account holders | 3.85% | $320 |
| 10 monthsStandard base rate when not qualifying for promotional rate or new money increase, and default rate at renewal without Shield Elite Checking | 3.10% | $258 |
| 10 monthsWithout a Shield Elite Checking Account. Includes 0.25% APY new money increase; requires new money deposited from another financial institution | 3.35% | $278 |
Individual Retirement Accounts (IRA) Certificate
Up to 3.00%APY · 6 terms
Covers Traditional, Roth, SEP, and Coverdell ESA IRA certificates. Quarterly dividend period. Federal, state, and IRS penalties may apply to early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsQuarterly dividend period | 1.75% | $175 |
| 18 monthsQuarterly dividend period | 2.00% | $301 |
| 24 monthsQuarterly dividend period | 2.25% | $455 |
| 36 monthsQuarterly dividend period | 2.50% | $769 |
| 48 monthsQuarterly dividend period | 2.75% | $1,146 |
| 60 monthsQuarterly dividend period | 3.00% | $1,593 |
Sources (3)
- downeyfcu.org/page.php?id=savings-rates
- downeyfcu.org/page.php?id=certificates
- doc.downeyfcu.org/espanol/dfcu-rate-sheet-espanol.pdf
All captured Oct 6, 2026
Who can join Downey Federal 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 individuals who live, work, worship, or go to school in Bell, Bell Gardens, Bellflower, Compton (including East Compton), Cudahy, Downey, Huntington Park, Lynwood, Norwalk, Paramount, Pico Rivera, Santa Fe Springs, or South Gate, CA.
Family and household
- Membership is open to immediate family members of current DowneyFCU members, including siblings, parents, grandparents, spouses, children, or grandchildren.
Cost to join
- Members must open a Savings Account with a minimum deposit of $5 to maintain the $5 par value share.
- New members must pay a one-time membership fee of $7, of which $5 is donated directly to a local charity.
Membership information collected October 5, 2026.