Credit union · NCUA insured
Los Angeles Federal Credit Union CD Rates
Los Angeles Federal Credit Union’s best CD rate is 4.30% APY on a 16-month share certificate (CD), with extra requirements. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Los Angeles Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Los Angeles Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Los Angeles Federal Credit Union
4.30%APY
- Term
- 16 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $577
Share 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
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Individual Retirement Account (IRA) Certificates
Up to 4.30%APY · 8 terms
Available for Traditional, Roth & Coverdell Education savings accounts. Fixed terms from 3 to 60 months. $500 minimum opening deposit. APY is based on Relationship Rewards status at time of opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsBronze Relationship APY | 1.61% | $40 |
| 3 monthsGold Relationship APY | 1.71% | $42 |
| 3 monthsSilver Relationship or Senior Member (age 60+) APY | 1.66% | $41 |
| 6 monthsBronze Relationship APY | 2.02% | $100 |
| 6 monthsGold Relationship APY | 2.12% | $105 |
| 6 monthsSilver Relationship or Senior Member (age 60+) APY | 2.07% | $103 |
| 12 monthsBronze Relationship APY | 2.02% | $202 |
| 12 monthsGold Relationship APY | 2.12% | $212 |
| 12 monthsSilver Relationship or Senior Member (age 60+) APY | 2.07% | $207 |
| 16 monthsShare Certificate Limited Offer: 16-Month Term, Dividend 4.211% | 4.30% | $577 |
| 24 monthsBronze Relationship APY | 2.22% | $449 |
| 24 monthsGold Relationship APY | 2.33% | $471 |
| 24 monthsSilver Relationship or Senior Member (age 60+) APY | 2.28% | $461 |
| 36 monthsBronze Relationship APY | 2.33% | $715 |
| 36 monthsGold Relationship APY | 2.43% | $747 |
| 36 monthsSilver Relationship or Senior Member (age 60+) APY | 2.38% | $731 |
| 48 monthsBronze Relationship APY | 2.53% | $1,051 |
| 48 monthsGold Relationship APY | 2.63% | $1,094 |
| 48 monthsSilver Relationship or Senior Member (age 60+) APY | 2.58% | $1,073 |
| 60 monthsBronze Relationship APY | 3.05% | $1,621 |
| 60 monthsGold Relationship APY | 3.15% | $1,677 |
| 60 monthsSilver Relationship or Senior Member (age 60+) APY | 3.10% | $1,649 |
Share Certificates
Up to 4.30%APY · 8 terms
Flexible terms from 3 to 60 months. Minimum opening deposit is $1,000 for Regular, $100,000 for Jumbo, and $100 for Starter (age 24 or under). Senior / Senior Jumbo certificates available for members age 60+. APY is based on Relationship Rewards status or Jumbo/Senior qualification. After opening, additional deposits allowed if total deposits do not exceed opening deposit; Starter certificates allow additional deposits of $50+ until balance reaches $10,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsBronze Relationship or Business Account APY | 1.61% | $40 |
| 3 monthsGold Relationship or Jumbo Certificate ($100,000 minimum opening deposit) APY | 1.71% | $42 |
| 3 monthsSilver Relationship or Senior Member (age 60+) APY | 1.66% | $41 |
| 6 monthsBronze Relationship or Business Account APY | 2.02% | $100 |
| 6 monthsGold Relationship or Jumbo Certificate ($100,000 minimum opening deposit) APY | 2.12% | $105 |
| 6 monthsSilver Relationship or Senior Member (age 60+) APY | 2.07% | $103 |
| 12 monthsBronze Relationship or Business Account APY | 2.02% | $202 |
| 12 monthsGold Relationship or Jumbo Certificate ($100,000 minimum opening deposit) APY | 2.12% | $212 |
| 12 monthsSilver Relationship or Senior Member (age 60+) APY | 2.07% | $207 |
| 16 monthsShare Certificate Limited Offer: 16-Month Term, Dividend 4.211% | 4.30% | $577 |
| 24 monthsBronze Relationship or Business Account APY | 2.22% | $449 |
| 24 monthsGold Relationship or Jumbo Certificate ($100,000 minimum opening deposit) APY | 2.33% | $471 |
| 24 monthsSilver Relationship or Senior Member (age 60+) APY | 2.28% | $461 |
| 36 monthsBronze Relationship or Business Account APY | 2.33% | $715 |
| 36 monthsGold Relationship or Jumbo Certificate ($100,000 minimum opening deposit) APY | 2.43% | $747 |
| 36 monthsSilver Relationship or Senior Member (age 60+) APY | 2.38% | $731 |
| 48 monthsBronze Relationship or Business Account APY | 2.53% | $1,051 |
| 48 monthsGold Relationship or Jumbo Certificate ($100,000 minimum opening deposit) APY | 2.63% | $1,094 |
| 48 monthsSilver Relationship or Senior Member (age 60+) APY | 2.58% | $1,073 |
| 60 monthsBronze Relationship or Business Account APY | 3.05% | $1,621 |
| 60 monthsGold Relationship or Jumbo Certificate ($100,000 minimum opening deposit) APY | 3.15% | $1,677 |
| 60 monthsSilver Relationship or Senior Member (age 60+) APY | 3.10% | $1,649 |
Who can join Los Angeles 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
- Eligible by making an $8.00 donation to join the LOS ANGELES CHARITIABLE ASSOCIATION, INC., if you live or have a business in Los Angeles, Orange, Riverside, San Bernardino, or Ventura counties.
Military, government and schools
- Eligible if you work for the City of Los Angeles, CA.
Cost to join
- A $5 one-time LAFCU membership fee is required when opening an account.
- Opening deposit requires a $5 minimum savings account deposit in a Regular Share Savings account.
Membership information collected October 5, 2026.