Credit union · Privately insured
El Monte Community Credit Union CD Rates
El Monte Community Credit Union’s best CD rate is 2.50% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How El Monte Community Credit Union’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where El Monte Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
El Monte Community Credit Union
2.50%APY
- Term
- 60 months
- Minimum
- —
- Earns on $10,000
- $1,314
Share Certificates (CD's)
Top rate
National Police FCU
4.71%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,481
2nd-highest rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
El Monte Community Credit Union CD score
63
CD score
Higher than 8% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo1.00%
- 16–30 months16–30 mo1.50%
- 31–60 months31–60 mo2.50%
- QualifiedQualified2.50%
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 El Monte Community 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.
Share Certificates (CD's)
Up to 2.50%APY · 8 terms
Early withdrawal penalties apply. Requires El Monte Community Credit Union membership with a one-time refundable pledge of $5 and $5 minimum initial deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMust carry the minimum balance required to receive the dividends listed | 0.50% | $12 |
| 6 monthsMust carry the minimum balance required to receive the dividends listed | 0.75% | $37 |
| 12 monthsMust carry the minimum balance required to receive the dividends listed | 1.00% | $100 |
| 18 monthsMust carry the minimum balance required to receive the dividends listed | 1.25% | $188 |
| 24 monthsMust carry the minimum balance required to receive the dividends listed | 1.50% | $302 |
| 36 monthsMust carry the minimum balance required to receive the dividends listed | 1.75% | $534 |
| 48 monthsMust carry the minimum balance required to receive the dividends listed | 2.00% | $824 |
| 60 monthsMust carry the minimum balance required to receive the dividends listed | 2.50% | $1,314 |
Sources (2)
All captured Sep 16, 2026
Who can join El Monte Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in El Monte, South El Monte, Baldwin Park, Rosemead, or Irwindale are eligible for membership.
- Individuals who attend school in El Monte, South El Monte, Baldwin Park, Rosemead, or Irwindale are eligible for membership.
Employers and groups
- Employees of the San Gabriel Valley Water Company who work in El Monte, Fontana, or Whittier are eligible for membership.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Other ways
- Other credit unions organized under Federal or State laws are eligible for membership.
- Organizations composed of eligible individuals are eligible for membership.
Cost to join
- Members must maintain a regular share savings account with a minimum balance of $5.00.
- A $5.00 lifetime membership fee is required to join.
- A one-time refundable pledge amount of $5.00 is required upon application review.
Membership information collected October 5, 2026.