Credit union · NCUA insured
Kings Federal Credit Union CD Rates
Kings Federal Credit Union’s best CD rate is 3.87% APY on a 1-year share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How Kings Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Hanford, CA, where Kings Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Kings Federal Credit Union
3.76%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $376
12 Month Certificate
Top rate
Golden 1 Credit Union
4.30%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $321
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Kings Federal Credit Union CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo3.76%
- 16–30 months16–30 mo3.76%
- 31–60 months31–60 mo3.51%
- QualifiedQualified3.76%
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 Kings 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.
12 Month Certificate
3.76%APY · 1 term
Early withdrawal penalties apply. APY assumes principal and dividends remain on deposit for the length of the term. Fees may reduce earnings.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 3.76% | 3.76% | 3.87% | 3.76%3.76% from $10k3.87% from $75k | $376 |
Sources (2)
All captured Oct 6, 2026
18 Month Certificate
3.76%APY · 1 term
Early withdrawal penalties apply. APY assumes principal and dividends remain on deposit for the length of the term. Fees may reduce earnings.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 18 months | 3.76% | 3.76% | 3.87% | 3.76%3.76% from $10k3.87% from $75k | $569 |
Sources (2)
All captured Oct 6, 2026
24 Month Certificate
3.51%APY · 1 term
Early withdrawal penalties apply. APY assumes principal and dividends remain on deposit for the length of the term. Fees may reduce earnings.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 24 months | 3.51% | 3.51% | 3.61% | 3.51%3.51% from $10k3.61% from $75k | $714 |
Sources (2)
All captured Oct 6, 2026
36 Month Certificate
3.51%APY · 1 term
Early withdrawal penalties apply. APY assumes principal and dividends remain on deposit for the length of the term. Fees may reduce earnings.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 36 months | 3.51% | 3.51% | 3.61% | 3.51%3.51% from $10k3.61% from $75k | $1,090 |
Sources (2)
All captured Oct 6, 2026
6 Month Certificate
3.40%APY · 1 term
Early withdrawal penalties apply. APY assumes principal and dividends remain on deposit for the length of the term. Fees may reduce earnings.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.40% | 3.40% | 3.51% | 3.40%3.40% from $10k3.51% from $75k | $169 |
Sources (2)
All captured Oct 6, 2026
3 Month Certificate
3.30%APY · 1 term
Early withdrawal penalties apply. APY assumes principal and dividends remain on deposit for the length of the term. Fees may reduce earnings.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 3.30% | 3.30% | 3.40% | 3.30%3.30% from $10k3.40% from $75k | $81 |
Sources (2)
All captured Oct 6, 2026
Mini Jumbo 10 Month
3.40%APY · 1 term
Early withdrawal penalties apply. APY assumes principal and dividends remain on deposit for the length of the term. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 months | 3.40% | $283 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
12 Month IRA Certificate
3.76%APY · 1 term
Offers Traditional and Roth IRAs. Early withdrawal penalties apply. APY assumes principal and dividends remain on deposit for the length of the term. Fees may reduce earnings.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 3.76% | 3.76% | 3.87% | 3.76%3.76% from $10k3.87% from $75k | $376 |
Sources (2)
All captured Oct 6, 2026
24 Month IRA
3.51%APY · 1 term
Offers Traditional and Roth IRAs. Early withdrawal penalties apply. APY assumes principal and dividends remain on deposit for the length of the term. Fees may reduce earnings.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 24 months | 3.51% | 3.51% | 3.61% | 3.51%3.51% from $10k3.61% from $75k | $714 |
Sources (2)
All captured Oct 6, 2026
36 Month IRA
3.51%APY · 1 term
Offers Traditional and Roth IRAs. Early withdrawal penalties apply. APY assumes principal and dividends remain on deposit for the length of the term. Fees may reduce earnings.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 36 months | 3.51% | 3.51% | 3.61% | 3.51%3.51% from $10k3.61% from $75k | $1,090 |
Sources (2)
All captured Oct 6, 2026
6 Month IRA Certificate
3.40%APY · 1 term
Offers Traditional and Roth IRAs. Early withdrawal penalties apply. APY assumes principal and dividends remain on deposit for the length of the term. Fees may reduce earnings.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.40% | 3.40% | 3.51% | 3.40%3.40% from $10k3.51% from $75k | $169 |
Sources (2)
All captured Oct 6, 2026
Who can join Kings 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 all residents of Kings County.
- Membership is open to individuals who live within 100 miles of Kings County and work, worship, attend school, or regularly conduct business in Kings County.
Family and household
- Membership is open to individuals who live within 100 miles of Kings County and have an immediate family member or household member who is eligible for membership at Kings Federal Credit Union.
Other ways
- Membership is open to individuals who live within 100 miles of Kings County and donate $50 to join the Children’s Storybook Garden and Museum’s “Friends of the Garden”.
Cost to join
- A $50 donation to join the Children’s Storybook Garden and Museum’s “Friends of the Garden” is required for eligibility under that path.
Membership information collected October 5, 2026.