Credit union · NCUA insured
First City Credit Union CD Rates
First City Credit Union’s best CD rate is 3.40% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First City Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where First City Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First City Credit Union
3.30%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,763
Term Certificate Account
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
First City Credit Union CD score
72
CD score
Higher than 30% of U.S. banks and credit unions
- 3–8 months3–8 mo2.08%
- 9–15 months9–15 mo3.10%
- 16–30 months16–30 mo3.20%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.30%
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 First City 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.
Term Certificate Account
Up to 3.30%APY · 8 terms
Membership required. Tiered rates based on minimum balance. Penalties will be imposed for early withdrawals.
| Term | APY · $1,000 – $9,999 | APY · $10,000 – $49,999 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 1.65% | 1.75% | 1.85% | 1.75%1.65% $1k–$10k1.85% from $50k | $43 |
| 6 months | 1.98% | 2.08% | 2.18% | 2.08%1.98% $1k–$10k2.18% from $50k | $103 |
| 12 months | 3.00% | 3.10% | 3.20% | 3.10%3.00% $1k–$10k3.20% from $50k | $310 |
| 18 months | 3.05% | 3.15% | 3.25% | 3.15%3.05% $1k–$10k3.25% from $50k | $476 |
| 24 months | 3.10% | 3.20% | 3.30% | 3.20%3.10% $1k–$10k3.30% from $50k | $650 |
| 36 months | 3.00% | 3.10% | 3.20% | 3.10%3.00% $1k–$10k3.20% from $50k | $959 |
| 48 months | 3.10% | 3.20% | 3.30% | 3.20%3.10% $1k–$10k3.30% from $50k | $1,343 |
| 60 months | 3.20% | 3.30% | 3.40% | 3.30%3.20% $1k–$10k3.40% from $50k | $1,763 |
Sources (2)
All captured Oct 6, 2026
Wealth Builder Term Certificate Account
Up to 1.40%APY · 1 term
Membership required. Penalties will be imposed for early withdrawals. Minimum $50 opening deposit with payroll deduction earns 1.29% rate (1.30% APY); $500 opening deposit earns 1.39% rate (1.40% APY) effective as of 09/11/2025. Funds deposited must be new money. Automatic roll-over at maturity into a 9-month Wealth Builder Certificate.
| Term | APY · $50 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 9 months | 1.30% | — | 1.30% | $97 |
| 9 months$500 opening deposit. Effective as of 09/11/2025 | — | 1.40% | 1.40% | $105 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Regular IRA Certificate Account
Up to 3.30%APY · 8 terms
Tax-deferred retirement savings account. Subject to IRS rules governing the amount and frequency of contributions. Tiered rates based on minimum balance. Penalties will be imposed for early withdrawals.
| Term | APY · $1,000 – $9,999 | APY · $10,000 – $49,999 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 1.65% | 1.75% | 1.85% | 1.75%1.65% $1k–$10k1.85% from $50k | $43 |
| 6 months | 1.98% | 2.08% | 2.18% | 2.08%1.98% $1k–$10k2.18% from $50k | $103 |
| 12 months | 3.00% | 3.10% | 3.20% | 3.10%3.00% $1k–$10k3.20% from $50k | $310 |
| 18 months | 3.05% | 3.15% | 3.25% | 3.15%3.05% $1k–$10k3.25% from $50k | $476 |
| 24 months | 3.10% | 3.20% | 3.30% | 3.20%3.10% $1k–$10k3.30% from $50k | $650 |
| 36 months | 3.00% | 3.10% | 3.20% | 3.10%3.00% $1k–$10k3.20% from $50k | $959 |
| 48 months | 3.10% | 3.20% | 3.30% | 3.20%3.10% $1k–$10k3.30% from $50k | $1,343 |
| 60 months | 3.20% | 3.30% | 3.40% | 3.30%3.20% $1k–$10k3.40% from $50k | $1,763 |
Who can join First City Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.