Credit union · NCUA insured
Inland Valley Federal Credit Union CD Rates
Inland Valley Federal Credit Union’s best CD rate is 3.61% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Inland Valley Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Riverside, CA, where Inland Valley Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Inland Valley Federal Credit Union
3.57%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,917
Certificate
Top rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
2nd-highest rate
CU SoCal
4.50%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $920
Inland Valley Federal Credit Union CD score
73
CD score
Higher than 35% of U.S. banks and credit unions
- 3–8 months3–8 mo3.31%
- 9–15 months9–15 mo3.36%
- 31–60 months31–60 mo3.57%
- QualifiedQualified3.57%
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 Inland Valley 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.
Certificate
Up to 3.57%APY · 5 terms
Must meet field of membership requirements, pay a one-time membership fee, and maintain a regular share savings account. Must maintain specified minimum daily balance to earn stated APY.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $10,000 and up | APY · $50,000 and up | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 months | — | 3.03% | 3.06% | — | 3.10% | 3.03%3.06% from $10k3.10% from $90k | $75 |
| 6 months | — | 3.29% | 3.31% | 3.33% | 3.35% | 3.29%3.31% from $10k3.33% from $50k3.35% from $90k | $163 |
| 12 months | 3.34% | — | 3.36% | 3.38% | 3.40% | 3.34%3.36% from $10k3.38% from $50k3.40% from $90k | $334 |
| 36 months | 3.44% | — | 3.46% | 3.49% | 3.51% | 3.44%3.46% from $10k3.49% from $50k3.51% from $90k | $1,068 |
| 60 months | 3.55% | — | 3.57% | 3.59% | 3.61% | 3.55%3.57% from $10k3.59% from $50k3.61% from $90k | $1,906 |
Sources (2)
All captured Sep 25, 2026
Flex Certificate
1.46%APY
Must meet field of membership requirements, pay a one-time membership fee, and maintain a regular share savings account. Must maintain an average daily balance of $1,000 to obtain stated APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upIf the average daily balance falls below $1,000 in a calendar month, dividends will not be earned for that month.$1,000 and up | 1.46% | $146 | If the average daily balance falls below $1,000 in a calendar month, dividends will not be earned for that month. |
Special-purpose accounts
IRA Certificate
Up to 4.03%APY · 4 terms
Must maintain $500 minimum daily balance. Applies to Educational, Roth, SEP & Traditional IRAs.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $50,000 and up | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 months | 3.39% | 3.41% | 3.43% | 3.45% | 3.39%3.41% from $10k3.43% from $50k3.45% from $90k | $339 |
| 24 months | 3.44% | 3.46% | 3.49% | 3.51% | 3.44%3.46% from $10k3.49% from $50k3.51% from $90k | $700 |
| 36 months | 3.65% | 3.67% | 3.69% | 3.71% | 3.65%3.67% from $10k3.69% from $50k3.71% from $90k | $1,135 |
| 60 months | 4.01% | 4.03% | 4.05% | 4.07% | 4.01%4.03% from $10k4.05% from $50k4.07% from $90k | $2,172 |
Sources (2)
All captured Oct 16, 2026
Traditional IRA Flex
1.46%APY
Must meet field of membership requirements, pay a one-time membership fee, and maintain a regular share savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 1.46% | $146 |
Who can join Inland Valley Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to any person who lives, works, worships, or attends school in Fontana, Bloomington, Rialto, and parts of other surrounding cities such as Colton, San Bernardino, and Rancho Cucamonga.
Cost to join
- Establishing membership requires opening a savings account with a minimum deposit of $25.
- Establishing membership requires a one-time $2 membership fee.
Membership information collected October 5, 2026.