Credit union · NCUA insured
Honda Federal Credit Union CD Rates
Honda Federal Credit Union’s best CD rate is 4.60% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Honda Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Honda Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Honda Federal Credit Union
4.60%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $2,522
Savings Certificate
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
Honda Federal Credit Union CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo3.35%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo3.90%
- 31–60 months31–60 mo4.60%
- QualifiedQualified4.60%
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 Honda 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.
Savings Certificate
Up to 4.60%APY · 5 terms
A penalty will be imposed for early withdrawal from term share accounts. Fees or other conditions could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsExecutive tier. Early withdrawal penalty applies | 3.45% | $171 |
| 6 monthsPremier tier. Early withdrawal penalty applies | 3.35% | $166 |
| 6 monthsRegular tier. Early withdrawal penalty applies | 3.25% | $161 |
| 12 monthsExecutive tier. Early withdrawal penalty applies | 3.45% | $345 |
| 12 monthsPremier tier. Early withdrawal penalty applies | 3.35% | $335 |
| 12 monthsRegular tier. Early withdrawal penalty applies | 3.25% | $325 |
| 24 monthsExecutive tier. Early withdrawal penalty applies | 3.50% | $712 |
| 24 monthsPremier tier. Early withdrawal penalty applies | 3.40% | $692 |
| 24 monthsRegular tier. Early withdrawal penalty applies | 3.30% | $671 |
| 36 monthsExecutive tier. Early withdrawal penalty applies | 3.55% | $1,103 |
| 36 monthsPremier tier. Early withdrawal penalty applies | 3.45% | $1,071 |
| 36 monthsRegular tier. Early withdrawal penalty applies | 3.35% | $1,039 |
| 60 monthsExecutive tier. Early withdrawal penalty applies | 4.60% | $2,522 |
| 60 monthsPremier tier. Early withdrawal penalty applies | 4.60% | $2,522 |
| 60 monthsRegular tier. Early withdrawal penalty applies | 4.60% | $2,522 |
Sources (1)
- hondafcu.org/rates · captured Oct 16, 2026
Flex Savings Certificate
Up to 4.00%APY · 2 terms
Penalty will be imposed for early withdrawal from term share accounts. Flex features: Penalty-free deposits and withdrawals allowed during a 10-day window at month 5 or 10 depending on the Flex CD you have (amount must stay at or above minimum); automatic rate increase at 5 or 10 month mark if rates for Flex Certificates increase; optional automatic renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsFlex Executive tier. Early withdrawal penalty applies. Add/withdraw penalty-free at 10-day window | 3.80% | $316 |
| 10 monthsFlex Premier tier. Early withdrawal penalty applies. Add/withdraw penalty-free at 10-day window | 3.70% | $307 |
| 10 monthsFlex Regular tier. Early withdrawal penalty applies. Add/withdraw penalty-free at 10-day window | 3.60% | $299 |
| 20 monthsLimited Time Offer. Flex Executive tier. Early withdrawal penalty applies. Add/withdraw penalty-free at 10-day window | 4.00% | $676 |
| 20 monthsLimited Time Offer. Flex Premier tier. Early withdrawal penalty applies. Add/withdraw penalty-free at 10-day window | 3.90% | $658 |
| 20 monthsLimited Time Offer. Flex Regular tier. Early withdrawal penalty applies. Add/withdraw penalty-free at 10-day window | 3.80% | $641 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Coverdell Education Certificate
Up to 4.60%APY · 4 terms
Coverdell Education savings certificate. A penalty will be imposed for early withdrawal from term share accounts. Fees or other conditions could reduce earnings. Contributions may be limited to $2,000 per year.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty applies | 3.25% | $325 |
| 24 monthsEarly withdrawal penalty applies | 3.60% | $733 |
| 36 monthsEarly withdrawal penalty applies | 3.35% | $1,039 |
| 60 monthsEarly withdrawal penalty applies | 4.60% | $2,522 |
Sources (2)
All captured Oct 16, 2026
IRA Certificate
Up to 4.60%APY · 4 terms
Available as Traditional or Roth IRA Certificate. A penalty will be imposed for early withdrawal from term share accounts. Fees or other conditions could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTraditional / Roth IRA Certificate. Early withdrawal penalty applies | 3.25% | $325 |
| 12 monthsTraditional Executive / Roth Executive IRA Certificate. Early withdrawal penalty applies | 3.45% | $345 |
| 12 monthsTraditional Premier / Roth Premier IRA Certificate. Early withdrawal penalty applies | 3.35% | $335 |
| 24 monthsTraditional / Roth IRA Certificate. Early withdrawal penalty applies | 3.60% | $733 |
| 24 monthsTraditional Executive / Roth Executive IRA Certificate. Early withdrawal penalty applies | 3.80% | $774 |
| 24 monthsTraditional Premier / Roth Premier IRA Certificate. Early withdrawal penalty applies | 3.70% | $754 |
| 36 monthsTraditional / Roth IRA Certificate. Early withdrawal penalty applies | 3.35% | $1,039 |
| 36 monthsTraditional Executive / Roth Executive IRA Certificate. Early withdrawal penalty applies | 3.55% | $1,103 |
| 36 monthsTraditional Premier / Roth Premier IRA Certificate. Early withdrawal penalty applies | 3.45% | $1,071 |
| 60 monthsTraditional / Roth IRA Certificate. Early withdrawal penalty applies | 4.60% | $2,522 |
| 60 monthsTraditional Executive / Roth Executive IRA Certificate. Early withdrawal penalty applies | 4.60% | $2,522 |
| 60 monthsTraditional Premier / Roth Premier IRA Certificate. Early withdrawal penalty applies | 4.60% | $2,522 |
Sources (1)
- hondafcu.org/rates · captured Oct 16, 2026
Who can join Honda Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, associates, or retirees of Honda, affiliated companies, and participating Dealernet Dealers are eligible for membership.
Family and household
- Spouses, children, parents, siblings, and grandparents of current Honda FCU members in good standing are eligible for membership.
Cost to join
- Membership requires an opening deposit of $5.
Membership information collected October 5, 2026.