Credit union · NCUA insured
LBS Financial CD Rates
LBS Financial’s best CD rate is 4.15% APY on a 10-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How LBS Financial’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where LBS Financial has the most branches. $10,000, best rate first.
This credit union’s best
LBS Financial
4.15%APY
- Term
- 10 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $345
Promotional 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
LBS Financial CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo3.90%
- QualifiedQualified4.15%
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 LBS Financial 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.
Promotional Certificates
Up to 4.15%APY · 2 terms
Limited time offer. $1,000 minimum opening deposit with no maximum deposit amount. At maturity (if funds not withdrawn), the 5 Month Certificate rolls into a 6 Month Certificate and the 10 Month Certificate rolls into a 12 Month Certificate. Early withdrawal penalties apply. Promotional Certificates may be discontinued at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsLimited time offer. 5 Month term. If funds not withdrawn at maturity, rolls into a 6 Month Certificate | 4.00% | $165 |
| 10 monthsLimited time offer. 10 Month term. If funds not withdrawn at maturity, rolls into a 12 Month Certificate | 4.15% | $345 |
Sources (2)
All captured Oct 16, 2026
Share Certificates
Up to 3.90%APY · 11 terms
Share Certificate terms between 3 and 60 months. Dividends begin accruing on date of deposit, calculated using Average Daily Balance method, compounded and credited monthly and at maturity. Early withdrawal penalties apply (30 days dividends for <=3 months, 90 days for >3 months to <1 year, 180 days for >=1 year). Auto-renews at maturity with 7-day grace period. Membership with $5 Share Savings account required.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY · $20,000 and up | APY · $50,000 and up | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 monthsBalance over $90,000 | — | — | — | — | 3.70% | —3.70% from $90k | — |
| 3 monthsBronze tier. For the 3 month Bronze Share Certificate, minimum deposit is $1,000 and unlimited add-on deposits are allowed | 3.55% | — | — | — | — | 3.55% | $88 |
| 3 monthsGold tier. Minimum deposit and balance of $50,000 | — | — | — | 3.65% | — | —3.65% from $50k | — |
| 3 monthsSilver tier. Minimum deposit and balance of $20,000 | — | — | 3.60% | — | — | —3.60% from $20k | — |
| 6 monthsBalance over $90,000 | — | — | — | — | 3.85% | —3.85% from $90k | — |
| 6 monthsBronze tier. Minimum deposit and balance of $2,500. No additional deposits permitted | — | 3.70% | — | — | — | 3.70% | $183 |
| 6 monthsGold tier. Minimum deposit and balance of $50,000 | — | — | — | 3.80% | — | —3.80% from $50k | — |
| 6 monthsSilver tier. Minimum deposit and balance of $20,000 | — | — | 3.75% | — | — | —3.75% from $20k | — |
| 9 monthsBalance over $90,000 | — | — | — | — | 3.85% | —3.85% from $90k | — |
| 9 monthsBronze tier. Minimum deposit and balance of $2,500. No additional deposits permitted | — | 3.70% | — | — | — | 3.70% | $276 |
| 9 monthsGold tier. Minimum deposit and balance of $50,000 | — | — | — | 3.80% | — | —3.80% from $50k | — |
| 9 monthsSilver tier. Minimum deposit and balance of $20,000 | — | — | 3.75% | — | — | —3.75% from $20k | — |
| 12 monthsBalance over $90,000 | — | — | — | — | 3.95% | —3.95% from $90k | — |
| 12 monthsBronze tier. Minimum deposit and balance of $2,500. No additional deposits permitted | — | 3.80% | — | — | — | 3.80% | $380 |
| 12 monthsGold tier. Minimum deposit and balance of $50,000 | — | — | — | 3.90% | — | —3.90% from $50k | — |
| 12 monthsSilver tier. Minimum deposit and balance of $20,000 | — | — | 3.85% | — | — | —3.85% from $20k | — |
| 18 monthsBalance over $90,000 | — | — | — | — | 4.00% | —4.00% from $90k | — |
| 18 monthsBronze tier. Minimum deposit and balance of $2,500. No additional deposits permitted | — | 3.85% | — | — | — | 3.85% | $583 |
| 18 monthsGold tier. Minimum deposit and balance of $50,000 | — | — | — | 3.95% | — | —3.95% from $50k | — |
| 18 monthsSilver tier. Minimum deposit and balance of $20,000 | — | — | 3.90% | — | — | —3.90% from $20k | — |
| 24 monthsBalance over $90,000 | — | — | — | — | 4.00% | —4.00% from $90k | — |
| 24 monthsBronze tier. Minimum deposit and balance of $2,500. No additional deposits permitted | — | 3.85% | — | — | — | 3.85% | $785 |
| 24 monthsGold tier. Minimum deposit and balance of $50,000 | — | — | — | 3.95% | — | —3.95% from $50k | — |
| 24 monthsSilver tier. Minimum deposit and balance of $20,000 | — | — | 3.90% | — | — | —3.90% from $20k | — |
| 30 monthsBalance over $90,000 | — | — | — | — | 4.00% | —4.00% from $90k | — |
| 30 monthsBronze tier. Minimum deposit and balance of $2,500. No additional deposits permitted | — | 3.85% | — | — | — | 3.85% | $990 |
| 30 monthsGold tier. Minimum deposit and balance of $50,000 | — | — | — | 3.95% | — | —3.95% from $50k | — |
| 30 monthsSilver tier. Minimum deposit and balance of $20,000 | — | — | 3.90% | — | — | —3.90% from $20k | — |
| 36 monthsBalance over $90,000 | — | — | — | — | 4.00% | —4.00% from $90k | — |
| 36 monthsBronze tier. Minimum deposit and balance of $2,500. No additional deposits permitted | — | 3.85% | — | — | — | 3.85% | $1,200 |
| 36 monthsGold tier. Minimum deposit and balance of $50,000 | — | — | — | 3.95% | — | —3.95% from $50k | — |
| 36 monthsSilver tier. Minimum deposit and balance of $20,000 | — | — | 3.90% | — | — | —3.90% from $20k | — |
| 42 monthsBalance over $90,000 | — | — | — | — | 4.00% | —4.00% from $90k | — |
| 42 monthsBronze tier. Minimum deposit and balance of $2,500. No additional deposits permitted | — | 3.85% | — | — | — | 3.85% | $1,414 |
| 42 monthsGold tier. Minimum deposit and balance of $50,000 | — | — | — | 3.95% | — | —3.95% from $50k | — |
| 42 monthsSilver tier. Minimum deposit and balance of $20,000 | — | — | 3.90% | — | — | —3.90% from $20k | — |
| 48 monthsBalance over $90,000 | — | — | — | — | 4.05% | —4.05% from $90k | — |
| 48 monthsBronze tier. Minimum deposit and balance of $2,500. No additional deposits permitted | — | 3.90% | — | — | — | 3.90% | $1,654 |
| 48 monthsGold tier. Minimum deposit and balance of $50,000 | — | — | — | 4.00% | — | —4.00% from $50k | — |
| 48 monthsSilver tier. Minimum deposit and balance of $20,000 | — | — | 3.95% | — | — | —3.95% from $20k | — |
| 60 monthsBalance over $90,000 | — | — | — | — | 4.05% | —4.05% from $90k | — |
| 60 monthsBronze tier. Minimum deposit and balance of $2,500. No additional deposits permitted | — | 3.90% | — | — | — | 3.90% | $2,108 |
| 60 monthsGold tier. Minimum deposit and balance of $50,000 | — | — | — | 4.00% | — | —4.00% from $50k | — |
| 60 monthsSilver tier. Minimum deposit and balance of $20,000 | — | — | 3.95% | — | — | —3.95% from $20k | — |
Sources (2)
All captured Sep 25, 2026
Special-purpose accounts
IRA Certificates
Up to 3.90%APY · 8 terms
Terms between 6 and 60 months. No maintenance fees. Members can contribute to existing IRA certificates with rollovers, transfers, and earned income subject to IRS maximum contribution limits. Must open an additional Credit Union Share account (IRA Share) with $5 prior to opening an IRA Certificate. Penalties apply for early withdrawal of IRA funds if under 59 1/2 years of age; waived for Members aged 59 1/2 and older, withdrawals from inherited IRA accounts/certificates, or required minimum distributions (RMD).
| Term | APY · $100 and up | APY · $20,000 and up | APY · $50,000 and up | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsBalance over $90,000 | — | — | — | 3.85% | —3.85% from $90k | — |
| 6 monthsBronze tier. $100 minimum deposit | 3.70% | — | — | — | 3.70% | $183 |
| 6 monthsGold tier. $50,000 minimum deposit | — | — | 3.80% | — | —3.80% from $50k | — |
| 6 monthsSilver tier. $20,000 minimum deposit | — | 3.75% | — | — | —3.75% from $20k | — |
| 12 monthsBalance over $90,000 | — | — | — | 3.95% | —3.95% from $90k | — |
| 12 monthsBronze tier. $100 minimum deposit | 3.80% | — | — | — | 3.80% | $380 |
| 12 monthsGold tier. $50,000 minimum deposit | — | — | 3.90% | — | —3.90% from $50k | — |
| 12 monthsSilver tier. $20,000 minimum deposit | — | 3.85% | — | — | —3.85% from $20k | — |
| 18 monthsBalance over $90,000 | — | — | — | 4.00% | —4.00% from $90k | — |
| 18 monthsBronze tier. $100 minimum deposit | 3.85% | — | — | — | 3.85% | $583 |
| 18 monthsGold tier. $50,000 minimum deposit | — | — | 3.95% | — | —3.95% from $50k | — |
| 18 monthsSilver tier. $20,000 minimum deposit | — | 3.90% | — | — | —3.90% from $20k | — |
| 24 monthsBalance over $90,000 | — | — | — | 4.00% | —4.00% from $90k | — |
| 24 monthsBronze tier. $100 minimum deposit | 3.85% | — | — | — | 3.85% | $785 |
| 24 monthsGold tier. $50,000 minimum deposit | — | — | 3.95% | — | —3.95% from $50k | — |
| 24 monthsSilver tier. $20,000 minimum deposit | — | 3.90% | — | — | —3.90% from $20k | — |
| 30 monthsBalance over $90,000 | — | — | — | 4.00% | —4.00% from $90k | — |
| 30 monthsBronze tier. $100 minimum deposit | 3.85% | — | — | — | 3.85% | $990 |
| 30 monthsGold tier. $50,000 minimum deposit | — | — | 3.95% | — | —3.95% from $50k | — |
| 30 monthsSilver tier. $20,000 minimum deposit | — | 3.90% | — | — | —3.90% from $20k | — |
| 36 monthsBalance over $90,000 | — | — | — | 4.00% | —4.00% from $90k | — |
| 36 monthsBronze tier. $100 minimum deposit | 3.85% | — | — | — | 3.85% | $1,200 |
| 36 monthsGold tier. $50,000 minimum deposit | — | — | 3.95% | — | —3.95% from $50k | — |
| 36 monthsSilver tier. $20,000 minimum deposit | — | 3.90% | — | — | —3.90% from $20k | — |
| 48 monthsBalance over $90,000 | — | — | — | 4.05% | —4.05% from $90k | — |
| 48 monthsBronze tier. $100 minimum deposit | 3.90% | — | — | — | 3.90% | $1,654 |
| 48 monthsGold tier. $50,000 minimum deposit | — | — | 4.00% | — | —4.00% from $50k | — |
| 48 monthsSilver tier. $20,000 minimum deposit | — | 3.95% | — | — | —3.95% from $20k | — |
| 60 monthsBalance over $90,000 | — | — | — | 4.05% | —4.05% from $90k | — |
| 60 monthsBronze tier. $100 minimum deposit | 3.90% | — | — | — | 3.90% | $2,108 |
| 60 monthsGold tier. $50,000 minimum deposit | — | — | 4.00% | — | —4.00% from $50k | — |
| 60 monthsSilver tier. $20,000 minimum deposit | — | 3.95% | — | — | —3.95% from $20k | — |
Sources (1)
- lbsfcu.org/accounts/savings/ira-certificates · captured Oct 6, 2026
Who can join LBS Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live or work in Orange, Riverside, San Diego, or San Bernardino counties, or in designated cities within Los Angeles County.
Employers and groups
- Employees of participating select employer groups and qualifying organizations are eligible for membership.
Military, government and schools
- Employees of specified schools, school districts, and associated educational organizations are eligible for membership.
- Students, CSULB alumni association members, and family members of students attending CSULB, Cerritos Community College, or Long Beach City College are eligible for membership.
Family and household
- Immediate family members (parent, child, spouse/domestic partner, sibling, grandparent, grandchild, step, or adoptive relation) of existing members are eligible for membership.
Other ways
- California residents and workers who do not otherwise qualify may join LBS Financial by joining the Financial Fitness Association for an additional one-time fee of $8.00.
Cost to join
- Maintain a minimum $5 share deposit in a Share Savings account to establish and maintain membership.
- A one-time membership fee of $1 per Member is required to join.
Membership information collected October 5, 2026.