Credit union · NCUA insured
F3 Credit Union CD Rates
Top CarrotF3 Credit Union’s best CD rate is 3.80% APY on a 2-year share certificate (CD), with extra requirements. Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How F3 Credit Union’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where F3 Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
F3 Credit Union
3.55%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $723
Certificates of Deposit (CDs)
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo CDs
Up to 3.80%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 3.55% | — |
| 24 monthsRequires Secure Checking or Silver Express account for an additional 0.25% boost | 3.80% | — |
| 36 months | 3.29% | — |
Sources (2)
All captured Sep 16, 2026
Certificates of Deposit (CDs)
Up to 3.55%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.27% | $56 |
| 6 months | 3.29% | $163 |
| 12 months | 3.29% | $329 |
| 24 months | 3.29% | $669 |
| 24 monthsBump rate allows boosting CD rate to a higher rate once or twice during term | 3.04% | $617 |
| 24 monthsRequires Secure Checking or Silver Express account for an additional 0.25% boost | 3.55% | $723 |
| 36 months | 3.03% | $937 |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
IRA Certificates
3.03%APY
Available as Traditional IRA, Roth IRA, or Coverdell Education Savings Account wrappers
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upApplies to Traditional IRA, Roth IRA, and Coverdell Education Savings$1,000 and up | 3.03% | $303 | Applies to Traditional IRA, Roth IRA, and Coverdell Education Savings |
Sources (2)
All captured Sep 16, 2026
Who can join F3 Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Santa Clara County are eligible to join.
Employers and groups
- Employees, contract employees, and legal counsel of the credit union are eligible to join.
Military, government and schools
- Civil Service employees in Santa Clara, San Mateo, Santa Cruz, Monterey, San Benito, and San Francisco counties are eligible to join.
- Employees, retirees, and contract employees of the U.S. Postal Service in 13 Northern California counties are eligible to join.
Cost to join
- A $1 savings deposit is required upon joining.
- There is a $1 membership fee to join.
Membership information collected October 5, 2026.