Credit union · NCUA insured
ILWU Credit Union CD Rates
ILWU Credit Union’s best CD rate is 3.80% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How ILWU Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where ILWU Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ILWU Credit Union
3.50%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $173
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
ILWU Credit Union CD score
75
CD score
Higher than 38% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo2.35%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.50%
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 ILWU 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.
Certificates
Up to 3.50%APY · 7 terms
Tiered balance ranges from $1,000 up to $100,000. Dividends paid quarterly or at maturity into the account of choice (or monthly and at maturity per rate table). Early withdrawal penalties may apply.
| Term | APY · $1,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsTier 1 | 3.50% | — | — | — | 3.50% | $173 |
| 6 monthsTier 2 | — | 3.60% | — | — | —3.60% $25k–$50k | — |
| 6 monthsTier 3 | — | — | 3.70% | — | —3.70% $50k–$100k | — |
| 6 monthsTier 4 | — | — | — | 3.80% | —3.80% from $100k | — |
| 12 monthsTier 1 | 3.50% | — | — | — | 3.50% | $350 |
| 12 monthsTier 2 | — | 3.60% | — | — | —3.60% $25k–$50k | — |
| 12 monthsTier 3 | — | — | 3.70% | — | —3.70% $50k–$100k | — |
| 12 monthsTier 4 | — | — | — | 3.80% | —3.80% from $100k | — |
| 18 monthsTier 1 | 2.10% | — | — | — | 2.10% | $317 |
| 18 monthsTier 2 | — | 2.15% | — | — | —2.15% $25k–$50k | — |
| 18 monthsTier 3 | — | — | 2.20% | — | —2.20% $50k–$100k | — |
| 18 monthsTier 4 | — | — | — | 2.25% | —2.25% from $100k | — |
| 24 monthsTier 1 | 2.35% | — | — | — | 2.35% | $476 |
| 24 monthsTier 2 | — | 2.40% | — | — | —2.40% $25k–$50k | — |
| 24 monthsTier 3 | — | — | 2.45% | — | —2.45% $50k–$100k | — |
| 24 monthsTier 4 | — | — | — | 2.50% | —2.50% from $100k | — |
| 36 monthsTier 1 | 2.40% | — | — | — | 2.40% | $737 |
| 36 monthsTier 2 | — | 2.50% | — | — | —2.50% $25k–$50k | — |
| 36 monthsTier 3 | — | — | 2.55% | — | —2.55% $50k–$100k | — |
| 36 monthsTier 4 | — | — | — | 2.60% | —2.60% from $100k | — |
| 48 monthsTier 1 | 3.50% | — | — | — | 3.50% | $1,475 |
| 48 monthsTier 2 | — | 3.60% | — | — | —3.60% $25k–$50k | — |
| 48 monthsTier 3 | — | — | 3.70% | — | —3.70% $50k–$100k | — |
| 48 monthsTier 4 | — | — | — | 3.80% | —3.80% from $100k | — |
| 60 monthsTier 1 | 3.50% | — | — | — | 3.50% | $1,877 |
| 60 monthsTier 2 | — | 3.60% | — | — | —3.60% $25k–$50k | — |
| 60 monthsTier 3 | — | — | 3.70% | — | —3.70% $50k–$100k | — |
| 60 monthsTier 4 | — | — | — | 3.80% | —3.80% from $100k | — |
Sources (2)
All captured Oct 16, 2026
Flexible Certificate
1.90%APY · 1 term
Not eligible for IRAs. Dividends paid monthly and at maturity.
| Term | APY · $1,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 24 months | 1.90% | 1.95% | 2.00% | 2.05% | 1.90%1.95% $25k–$50k2.00% $50k–$100k2.05% from $100k | $384 |
Sources (1)
- ilwucu.org/rates/certificates_and_iras · captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificate
Up to 3.50%APY · 7 terms
No account set-up fees. Earns tax deferred interest; contributions may be tax deductible. Tiered balance ranges from $1,000 up to $100,000. Dividends paid quarterly or at maturity into the account of choice (or monthly and at maturity per rate table). Early withdrawal penalties may apply.
| Term | APY · $1,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsTier 1 | 3.50% | — | — | — | 3.50% | $173 |
| 6 monthsTier 2 | — | 3.60% | — | — | —3.60% $25k–$50k | — |
| 6 monthsTier 3 | — | — | 3.70% | — | —3.70% $50k–$100k | — |
| 6 monthsTier 4 | — | — | — | 3.80% | —3.80% from $100k | — |
| 12 monthsTier 1 | 3.50% | — | — | — | 3.50% | $350 |
| 12 monthsTier 2 | — | 3.60% | — | — | —3.60% $25k–$50k | — |
| 12 monthsTier 3 | — | — | 3.70% | — | —3.70% $50k–$100k | — |
| 12 monthsTier 4 | — | — | — | 3.80% | —3.80% from $100k | — |
| 18 monthsTier 1 | 2.10% | — | — | — | 2.10% | $317 |
| 18 monthsTier 2 | — | 2.15% | — | — | —2.15% $25k–$50k | — |
| 18 monthsTier 3 | — | — | 2.20% | — | —2.20% $50k–$100k | — |
| 18 monthsTier 4 | — | — | — | 2.25% | —2.25% from $100k | — |
| 24 monthsTier 1 | 2.35% | — | — | — | 2.35% | $476 |
| 24 monthsTier 2 | — | 2.40% | — | — | —2.40% $25k–$50k | — |
| 24 monthsTier 3 | — | — | 2.45% | — | —2.45% $50k–$100k | — |
| 24 monthsTier 4 | — | — | — | 2.50% | —2.50% from $100k | — |
| 36 monthsTier 1 | 2.40% | — | — | — | 2.40% | $737 |
| 36 monthsTier 2 | — | 2.50% | — | — | —2.50% $25k–$50k | — |
| 36 monthsTier 3 | — | — | 2.55% | — | —2.55% $50k–$100k | — |
| 36 monthsTier 4 | — | — | — | 2.60% | —2.60% from $100k | — |
| 48 monthsTier 1 | 3.50% | — | — | — | 3.50% | $1,475 |
| 48 monthsTier 2 | — | 3.60% | — | — | —3.60% $25k–$50k | — |
| 48 monthsTier 3 | — | — | 3.70% | — | —3.70% $50k–$100k | — |
| 48 monthsTier 4 | — | — | — | 3.80% | —3.80% from $100k | — |
| 60 monthsTier 1 | 3.50% | — | — | — | 3.50% | $1,877 |
| 60 monthsTier 2 | — | 3.60% | — | — | —3.60% $25k–$50k | — |
| 60 monthsTier 3 | — | — | 3.70% | — | —3.70% $50k–$100k | — |
| 60 monthsTier 4 | — | — | — | 3.80% | —3.80% from $100k | — |
Sources (2)
All captured Oct 16, 2026
Who can join ILWU Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the ILWU Alaska Locals 200 and 2201 are eligible for membership.
- Members of the ILWU Alaska Longshore Division are eligible for membership.
- Members of the Inlandboatman’s Union (IBU) - Marine Division of the ILWU are eligible for membership.
- Anyone who is a member of the ILWU in California is eligible for membership.
- Members and employees of Portland Industrial Workers of the World are eligible for membership.
- Members of ILWU Local 142 are eligible for membership.
4 more ways to join
Employers and groups
- Class A and Class B members and employees of Locals 5, 8, 28, 40, and 92 of the ILWU in Portland, Oregon, who work for PMA are eligible for membership.
- Members and employees of S.M.A.R.T. (Sheet Metals, Air, Rail, Transportation) are eligible for membership.
Family and household
- Immediate family members (grandparents, parents, spouse, domestic partners, children, grandchildren, siblings, aunts, uncles, nieces and nephews) of qualifying ILWU members are eligible for membership.
- Immediate family members (grandparents, parents, spouse, domestic partners, children, grandchildren, siblings, aunts, uncles, nieces and nephews) of qualifying Portland union group members are eligible for membership.
Cost to join
- A $5 minimum opening deposit is required for an ILWU Credit Union Savings Account.
- A $1 membership fee is required to join.
Membership information collected October 5, 2026.