Credit union · NCUA insured
Kaiperm Credit Union CD Rates
Kaiperm Credit Union’s best CD rate is 3.50% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Kaiperm Credit Union’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where Kaiperm Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Kaiperm Credit Union
3.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $350
Term Share Certificate
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Kaiperm Credit Union CD score
68
CD score
Higher than 22% of U.S. banks and credit unions
- 3–8 months3–8 mo2.75%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.75%
- 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 Kaiperm 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 Share Certificate
Up to 3.50%APY · 8 terms
Fixed rates for the term. Dividends compounded and credited monthly. Average daily balance method used to calculate dividends. Except for Save to Win, Pup, and Student certificates, additional deposits cannot be made after opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsNot available for IRA Share Certificates | 2.75% | $68 |
| 6 monthsNot available for IRA Share Certificates | 2.75% | $137 |
| 12 months | 3.50% | $350 |
| 18 months | 3.00% | $453 |
| 24 months | 2.75% | $558 |
| 36 months | 2.75% | $848 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.65% | $1,397 |
Sources (3)
- kaipermcu.org/accounts/iras
- kaipermcu.org/accounts/share-certificates
- kaipermcu.org/wp-content/uploa…es_2026-09_September.pdf
All captured Oct 6, 2026
Save to Win Certificate
3.25%APY · 1 term
12-month fixed-rate certificate. Dividends calculated using daily balance method, compounded and credited monthly. Accountholders allowed one withdrawal with $25 penalty during term; second withdrawal incurs $25 penalty and account closure. Earns entries into savings promotion raffles for balance increases. Additional deposits allowed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.25% | $325 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Pup Certificate
7.00%APY · 1 term
Available for youth members ages 0-12. Primary owner is the minor with joint adult owner. Maximum balance limit of $500 with unlimited add-on deposits allowed. Converts to Student Certificate at age 13.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMaximum balance limit of $500 | 7.00% | — |
Sources (3)
- kaipermcu.org/accounts/kids-savings
- kaipermcu.org/accounts/saving
- kaipermcu.org/wp-content/uploa…es_2026-09_September.pdf
All captured Oct 6, 2026
Student Certificate
7.00%APY · 1 term
Available for youth members ages 13-17. Minor and joint owner share controls. Maximum balance limit of $1,000 with unlimited add-on deposits allowed. Converts to Regular Certificate at age 18.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMaximum balance limit of $1,000 | 7.00% | — |
Sources (3)
- kaipermcu.org/accounts/saving
- kaipermcu.org/accounts/student-savings
- kaipermcu.org/wp-content/uploa…es_2026-09_September.pdf
All captured Oct 6, 2026
IRA Certificate of Deposit
Up to 3.50%APY · 6 terms
Flexible fixed-rate term options from 12 months to 60 months. Dividends compounded and credited monthly. Traditional and Roth IRA options available. $5.00 per year Individual Retirement Account service charge.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.50% | $350 |
| 18 months | 3.00% | $453 |
| 24 months | 2.75% | $558 |
| 36 months | 2.75% | $848 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.65% | $1,397 |
Sources (2)
All captured Oct 6, 2026
Who can join Kaiperm Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Kaiser Permanente are eligible for membership.
- Kaiser retirees are eligible for membership.
- Kaiser volunteers are eligible for membership.
Family and household
- Family members of Kaiser Permanente employees are eligible for membership.
Cost to join
- It is free to join Kaiperm Credit Union.
Membership information collected October 5, 2026.