Credit union · NCUA insured
F&A Credit Union CD Rates
Top CarrotF&A Credit Union’s best CD rate is 4.50% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How F&A Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where F&A Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
F&A Credit Union
4.40%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,402
Certificates
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
F&A Credit Union CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.40%
- QualifiedQualified4.40%
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 F&A 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.
Certificates
Up to 4.40%APY · 6 terms
Must agree to receive paperless eStatements for premium rate. Early withdrawal penalty applies. Automatic renewal available. Federally insured up to $250,000.
| Term | APY · $1,000 and up | APY · $25,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months$1,000 Minimum Deposit tier. Dividend rate 4.02%. Must agree to receive paperless eStatements | 4.10% | — | — | 4.10% | $203 |
| 6 months$50,000 Minimum Deposit tier. Dividend rate 4.12%. Must agree to receive paperless eStatements | — | — | 4.20% | —4.20% from $50k | — |
| 12 months$1,000 Minimum Deposit tier. Dividend rate 4.16%. Must agree to receive paperless eStatements | 4.25% | — | — | 4.25% | $425 |
| 12 months$50,000 Minimum Deposit tier. Dividend rate 4.26%. Must agree to receive paperless eStatements | — | — | 4.35% | —4.35% from $50k | — |
| 13 monthsCelebrating 90 years of service limited-time 13-Month Certificate Special. $25,000 Minimum Deposit. Dividend rate 4.40%. No new money required. Special ends October 29, 2026 | — | 4.50% | — | —4.50% from $25k | — |
| 24 months$1,000 Minimum Deposit tier. Dividend rate 4.16%. Must agree to receive paperless eStatements | 4.25% | — | — | 4.25% | $868 |
| 24 months$50,000 Minimum Deposit tier. Dividend rate 4.26%. Must agree to receive paperless eStatements | — | — | 4.35% | —4.35% from $50k | — |
| 36 months$1,000 Minimum Deposit tier. Dividend rate 4.16%. Must agree to receive paperless eStatements | 4.25% | — | — | 4.25% | $1,330 |
| 36 months$50,000 Minimum Deposit tier. Dividend rate 4.26%. Must agree to receive paperless eStatements | — | — | 4.35% | —4.35% from $50k | — |
| 60 months$1,000 Minimum Deposit tier. Dividend rate 4.31%. Must agree to receive paperless eStatements | 4.40% | — | — | 4.40% | $2,402 |
| 60 months$50,000 Minimum Deposit tier. Dividend rate 4.40%. Must agree to receive paperless eStatements | — | — | 4.50% | —4.50% from $50k | — |
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 5 terms
Available as Traditional IRAs, Roth IRAs, or SEP IRAs. Early withdrawal penalty applies if funds withdrawn before maturity and requirements not met. Automatic renewal available. Federally insured up to $250,000.
| Term | APY · $1,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months$1,000 Minimum Deposit tier. Dividend rate 3.87%. Shared rate schedule from p29 | 3.95% | — | 3.95% | $196 |
| 6 months$50,000 Minimum Deposit tier. Dividend rate 3.97%. Shared rate schedule from p29 | — | 4.05% | —4.05% from $50k | — |
| 12 months$1,000 Minimum Deposit tier. Dividend rate 3.92%. Shared rate schedule from p29 | 4.00% | — | 4.00% | $400 |
| 12 months$50,000 Minimum Deposit tier. Dividend rate 4.02%. Shared rate schedule from p29 | — | 4.10% | —4.10% from $50k | — |
| 24 months$1,000 Minimum Deposit tier. Dividend rate 3.92%. Shared rate schedule from p29 | 4.00% | — | 4.00% | $816 |
| 24 months$50,000 Minimum Deposit tier. Dividend rate 4.02%. Shared rate schedule from p29 | — | 4.10% | —4.10% from $50k | — |
| 36 months$1,000 Minimum Deposit tier. Dividend rate 3.92%. Shared rate schedule from p29 | 4.00% | — | 4.00% | $1,249 |
| 36 months$50,000 Minimum Deposit tier. Dividend rate 4.02%. Shared rate schedule from p29 | — | 4.10% | —4.10% from $50k | — |
| 60 months$1,000 Minimum Deposit tier. Dividend rate 3.92%. Shared rate schedule from p29 | 4.00% | — | 4.00% | $2,167 |
| 60 months$50,000 Minimum Deposit tier. Dividend rate 4.07%. Shared rate schedule from p29 | — | 4.15% | —4.15% from $50k | — |
Sources (3)
- fafcu.org/spend-and-save/retirements
- fafcu.org/spend-and-save/retirements/ira-certificates
- fafcu.org/spend-and-save/certificates
All captured Oct 6, 2026
Who can join F&A Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of Avalon City Professional Firefighters \u2013 Local 2295 are eligible for membership.
- General members of the Los Angeles County Fire Museum are eligible for membership.
- Members of Los Angeles County Firefighters \u2013 Local 1014 are eligible for membership.
- Members of West Covina Police Officers' Association are eligible for membership.
Military, government and schools
- Employees of Arcadia Fire Department are eligible for membership.
- Employees of listed city governments in Los Angeles and Orange Counties are eligible for membership.
7 more ways to join
Military, government and schools
- Uniformed members of the Hawthorne Police Officers Association are eligible for membership.
- Employees of County of Los Angeles Agricultural Commissioner / Weights and Measures are eligible for membership.
- Active and retired employees of the Los Angeles County Fire Department are eligible for membership.
- Los Angeles County Fire Department Lifeguards are eligible for membership.
- Employees of Newport Beach Fire Department are eligible for membership.
- Employees of UC Cooperative Extension Los Angeles County are eligible for membership.
Family and household
- Immediate family members of current F&A members (parents, grandparents, spouses, children, grandchildren, siblings, step-relations, and adoptive relations) are eligible for membership.
Cost to join
- Membership is established with a $5.00 deposit into an Ownership/Savings Account upon approval.
Membership information collected October 5, 2026.