Credit union · NCUA insured
Farmers Insurance Federal Credit Union CD Rates
Top CarrotFarmers Insurance Federal Credit Union’s best CD rate is 4.00% APY on a 3-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 17, 2026.
How Farmers Insurance Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Farmers Insurance Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Farmers Insurance Federal Credit Union
4.00%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $99
Limited Time 3-Month and 6-Month Share 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
Farmers Insurance Federal Credit Union CD score
85
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.00%
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 Farmers Insurance 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.
Jumbo Certificates
Up to 4.15%APY · 3 terms
Membership eligibility required. $100,000 minimum deposit. Early withdrawal subject to substantial penalties. Direct Deposit (DDEP) bonus of 0.25% available for terms 36 months and longer with $1,000+ monthly direct deposit into FIGFCU Checking.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsRequires qualifying monthly Direct Deposit (DDEP) of $1,000+ into FIGFCU Checking Account | 3.65% | — |
| 36 monthsStandard rate without Direct Deposit bonus | 3.40% | — |
| 48 monthsRequires qualifying monthly Direct Deposit (DDEP) of $1,000+ into FIGFCU Checking Account | 3.90% | — |
| 48 monthsStandard rate without Direct Deposit bonus | 3.65% | — |
| 60 monthsRequires qualifying monthly Direct Deposit (DDEP) of $1,000+ into FIGFCU Checking Account | 4.15% | — |
| 60 monthsStandard rate without Direct Deposit bonus | 3.90% | — |
Sources (1)
- figfcu.org/certificates · captured Sep 16, 2026
Limited Time 3-Month and 6-Month Share Certificates
4.00%APY · 2 terms
Limited time promotion. $1,000 minimum balance. Calculated on a 3.93% base rate. IRA share certificates do not qualify. May not be combined with Direct Deposit Bonus or Jumbo Certificate rates. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPromotional rate calculated on 3.93% base rate. IRA share certificates do not qualify. Automatically rolls over to 3-Month Certificate at maturity | 4.00% | $99 |
| 6 monthsPromotional rate calculated on 3.93% base rate. IRA share certificates do not qualify. Automatically rolls over to 6-Month Certificate at maturity | 4.00% | $198 |
Sources (1)
- figfcu.org/certificates · captured Sep 16, 2026
No Penalty 9-Month Certificate
4.00%APY · 1 term
Promotional yield of 4.00% APY calculated on a 3.93% base rate. $1,000 minimum deposit/balance. Deposit must be new funds to the Credit Union. IRA share certificates do not qualify. Penalty for early withdrawal is waived except: no withdrawals within the first 30/60 days, and one withdrawal allowed per calendar month after initial period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsNew funds to Credit Union only. IRA share certificates do not qualify. One withdrawal allowed per calendar month after initial period without penalty | 4.00% | $299 |
Sources (3)
All captured Sep 16, 2026
Share Certificate Accounts
Up to 4.00%APY · 10 terms
Membership eligibility required. Early withdrawal subject to substantial penalty. Extra Direct Deposit (DDEP) bonus of 0.25% available for regular terms 36 months and longer with $1,000+ monthly direct deposit into FIGFCU Checking.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsNot available for IRA certificates | 2.00% | $50 |
| 6 monthsNot available for IRA certificates | 2.75% | $137 |
| 9 monthsNot available for IRA certificates | 2.85% | $213 |
| 12 months | 3.25% | $325 |
| 18 months | 2.75% | $415 |
| 24 months | 2.75% | $558 |
| 30 months | 3.00% | $767 |
| 36 monthsRequires qualifying monthly Direct Deposit (DDEP) of $1,000+ into FIGFCU Checking Account | 3.50% | $1,087 |
| 36 monthsStandard rate without Direct Deposit bonus | 3.25% | $1,007 |
| 48 monthsRequires qualifying monthly Direct Deposit (DDEP) of $1,000+ into FIGFCU Checking Account | 3.75% | $1,587 |
| 48 monthsStandard rate without Direct Deposit bonus | 3.50% | $1,475 |
| 60 monthsRequires qualifying monthly Direct Deposit (DDEP) of $1,000+ into FIGFCU Checking Account | 4.00% | $2,167 |
| 60 monthsStandard rate without Direct Deposit bonus | 3.75% | $2,021 |
Sources (1)
- figfcu.org/certificates · captured Sep 16, 2026
Special-purpose accounts
Limited Time Flex-Term Certificate
Up to 4.00%APY · 9 terms
Valid on new money only (funds not currently on deposit with the Credit Union). $1,000 minimum deposit. No additional deposits allowed during term. Early withdrawal penalty may apply. IRA Certificates available for 12-60 month terms only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsNew money only. Not available for IRA certificates | 3.80% | $94 |
| 6 monthsNew money only. Not available for IRA certificates | 3.80% | $188 |
| 9 monthsNew money only. Not available for IRA certificates | 3.80% | $284 |
| 12 monthsNew money only | 4.00% | $400 |
| 18 monthsNew money only | 4.00% | $606 |
| 24 monthsNew money only | 4.00% | $816 |
| 36 monthsNew money only | 4.00% | $1,249 |
| 48 monthsNew money only | 4.00% | $1,699 |
| 60 monthsNew money only | 4.00% | $2,167 |
Kid 24-Month Certificate
2.75%APY · 1 term
Available for members age 12 and under. Must be opened jointly with a parent or legal guardian as co-owner. $100 minimum deposit to open. Make up to 6 additional deposits ($25 minimum deposit). Dividends can be automatically deposited to another account each month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsAvailable for kids 12 and under; opened jointly with parent/guardian. Allows up to 6 additional deposits ($25 minimum) | 2.75% | $558 |
Sources (1)
- figfcu.org/youth-accounts · captured Sep 16, 2026
Teen Club 24-Month Certificate
2.75%APY · 1 term
Available for teens age 13 to 17. Must be opened jointly with a parent or legal guardian as co-owner. $250 minimum deposit to open. Make up to 6 additional deposits ($100 minimum deposit). Dividends can be automatically deposited to another account each month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsAvailable for teens age 13 to 17; opened jointly with parent/guardian. Allows up to 6 additional deposits ($100 minimum) | 2.75% | $558 |
Sources (1)
- figfcu.org/youth-accounts · captured Sep 16, 2026
Who can join Farmers Insurance Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- U.S. citizens and residents of the United States or its territories can join through the American Consumer Council (ACC) at no cost.
Employers and groups
- Employees and agents of Farmers are eligible for membership.
Family and household
- Relatives of current FIGFCU members are eligible for membership.
Membership information collected October 5, 2026.