Credit union · NCUA insured
Firefighters First Credit Union CD Rates
Top CarrotFirefighters First Credit Union’s best CD rate is 4.00% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Firefighters First Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Firefighters First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Firefighters First Credit Union
3.90%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $795
Regular Share Certificate Accounts
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
Firefighters First Credit Union CD score
86
CD score
Higher than 73% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.90%
- 31–60 months31–60 mo3.90%
- QualifiedQualified3.90%
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 Firefighters First Credit Union ranks
By CD score, in each area where it has branches
- #34 of 108Los Angeles-Long Beach-Anaheim, CA metro4
- #27 of 100Dallas-Fort Worth-Arlington, TX metro2
- #15 of 43Riverside-San Bernardino-Ontario, CA metro2
- #21 of 65San Francisco-Oakland-Fremont, CA metro1
- #23 of 57Miami-Fort Lauderdale-West Palm Beach, FL metro1
- #11 of 55Seattle-Tacoma-Bellevue, WA metro1
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Dream Home Share Certificate
5.75%APY · 1 term
To qualify, the member must have an open mortgage application with Firefighters First Credit Union. Minimum opening deposit/balance is $5,000 with unlimited additional deposits allowed during the term. One penalty-free withdrawal is permitted during the term provided the funds are used as a down payment on a home financed through Firefighters First Credit Union. If the mortgage application is still active at maturity, the certificate automatically rolls into a 6-month Dream Home Share Certificate at then-current rate; otherwise it rolls into a standard 6-month share certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsRequires active mortgage application with Firefighters First Credit Union; unlimited additional deposits permitted; one penalty-free withdrawal permitted at closing for qualifying down payment | 5.75% | $188 |
Regular Share Certificate Accounts
Up to 3.90%APY · 5 terms
Standard share certificate with fixed rates tiered by balance. Minimum opening deposit is $1,000. Compounded and credited monthly. Penalty for early withdrawal.
| Term | APY · $1,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.65% | 3.70% | 3.75% | 3.65%3.70% $50k–$100k3.75% from $100k | $181 |
| 12 months | 3.80% | 3.80% | 3.80% | 3.80%3.80% $50k–$100k3.80% from $100k | $380 |
| 24 months | 3.90% | 3.95% | 4.00% | 3.90%3.95% $50k–$100k4.00% from $100k | $795 |
| 36 months | 3.90% | 3.95% | 4.00% | 3.90%3.95% $50k–$100k4.00% from $100k | $1,216 |
| 60 months | 3.90% | 3.95% | 4.00% | 3.90%3.95% $50k–$100k4.00% from $100k | $2,108 |
Special-purpose accounts
Retirement Liquid Share Certificates
Up to 4.00%APY · 4 terms
To be eligible, retirement funds (including pension and Social Security) must be directly deposited to Firefighters First Credit Union. One penalty-free withdrawal is permitted per term, not to exceed 25% of the initial certificate balance, provided remaining balance equals at least the minimum required balance. Additional deposits cannot exceed $10,000 total with minimum $500 per deposit.
| Term | APY · $10,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsDirect deposit of retirement funds required. One penalty-free withdrawal up to 25% of initial balance per term permitted | 3.91% | 3.91% | 3.91% | 3.91%3.91% $50k–$100k3.91% from $100k | $391 |
| 24 monthsDirect deposit of retirement funds required. One penalty-free withdrawal up to 25% of initial balance per term permitted | 4.00% | 4.05% | 4.10% | 4.00%4.05% $50k–$100k4.10% from $100k | $816 |
| 36 monthsDirect deposit of retirement funds required. One penalty-free withdrawal up to 25% of initial balance per term permitted | 4.00% | 4.05% | 4.10% | 4.00%4.05% $50k–$100k4.10% from $100k | $1,249 |
| 60 monthsDirect deposit of retirement funds required. One penalty-free withdrawal up to 25% of initial balance per term permitted | 4.00% | 4.05% | 4.10% | 4.00%4.05% $50k–$100k4.10% from $100k | $2,167 |
Traditional/Roth IRA Certificates
Up to 3.90%APY · 5 terms
IRA Certificate offering tax-deferred or tax-free growth with fixed tiered rates and monthly compounding. Minimum deposit is $1,000. Maximum of one deposit per tax year at opening. Automatically renews for the same term at the then-current rate unless instructed otherwise.
| Term | APY · $1,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.65% | 3.70% | 3.75% | 3.65%3.70% $50k–$100k3.75% from $100k | $181 |
| 12 months | 3.80% | 3.80% | 3.80% | 3.80%3.80% $50k–$100k3.80% from $100k | $380 |
| 18 months | 3.90% | 3.95% | 4.00% | 3.90%3.95% $50k–$100k4.00% from $100k | $591 |
| 36 months | 3.90% | 3.95% | 4.00% | 3.90%3.95% $50k–$100k4.00% from $100k | $1,216 |
| 60 months | 3.90% | 3.95% | 4.00% | 3.90%3.95% $50k–$100k4.00% from $100k | $2,108 |
Coverdell ESA Share Certificates
3.95%APY · 3 terms
Tax-advantaged education savings certificate (Coverdell ESA). Designated beneficiary must be a member of the Credit Union. Up to $2,000 contribution per year per child. Subject to penalty for early withdrawal.
| Term | APY · $1,000 – $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 18 months | 3.90% | 3.95% | 3.95%3.90% $1k–$10k | $598 |
| 36 months | 3.90% | 3.95% | 3.95%3.90% $1k–$10k | $1,232 |
| 60 months | 3.90% | 3.95% | 3.95%3.90% $1k–$10k | $2,137 |
Rookie Share Certificate
3.80%APY · 1 term
Designed for minor members under age 18. Must be opened under the membership account of a minor under age 18. Maximum of three Rookie Share Certificates per minor account. Certificates maturing after the minor turns 18 will be converted to a regular certificate account. A penalty may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable to minors under age 18; maximum 3 certificates per minor account | 3.80% | — |
4-Month Freedom Certificate
1.39%APY · 1 term
Temporary holding account for members rolling over funds from a qualified retirement plan such as a 401(k) or 457(b) while working with a Financial Advisor. Accepts new money only. Fixed rate type, $0 minimum balance/deposit. Does not automatically renew; upon maturity funds are transferred to a 6-month IRA Share Certificate unless instructed otherwise.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsNew money only. Rollover funds from qualified retirement plans while working with a Financial Advisor. Does not automatically renew | 1.39% | $46 |
Who can join Firefighters First Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Business membership accounts are available for member-owned businesses, fire departments, unions, and fire-related nonprofits.
Military, government and schools
- New, active, and retired firefighters, fire department employees, staff of nonprofit organizations supporting firefighters, and individuals receiving pensions from any of these groups are eligible to join.
Family and household
- Immediate family members of eligible individuals, including spouses, children, stepchildren, adopted children, parents, stepparents, siblings, grandparents, and grandchildren, are eligible for membership.
Membership information collected October 5, 2026.