Los Angeles Police Federal Credit Union CD Rates

How Los Angeles Police Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Los Angeles, CA, where Los Angeles Police Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Los Angeles Police Federal Credit Union
3.60%APY
Term
60 months
Requires
None
Minimum
$500
Earns on $10,000
$1,934
Term 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
Schools Federal Credit Union rates
2nd-highest rate
LA Healthcare FCU
4.86%APY
Term
12 months
Requires
None
Minimum
$1,000
Earns on $10,000
$486
LA Healthcare FCU rates

Compare CD rates near you →

CD score

Higher than 46% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.50%
9–15 months9–15 mo3.40%
16–30 months16–30 mo3.45%
31–60 months31–60 mo3.60%
QualifiedQualified3.60%

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.

How the score works →

Where Los Angeles Police 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.

Term Share Certificates

Up to 3.60%APY · 8 termsPromotionalFrom $500 to open

Deposits are federally insured up to $250,000 by NCUA. Available to sworn and civilian law enforcement personnel and family members in Southern California.

Earnings on $10,000 over the term.
Term	APY · $500 – $49,999	APY · $50,000 – $99,999	APY · $100,000 and up	APY	Earns on $10,000Earns
3 monthsIncludes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	2.25%	2.30%	—	2.25%2.30% $50k–$100k	$56
3 monthsSuper Includes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	—	—	2.35%	—2.35% from $100k	—
6 monthsIncludes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	2.75%	2.80%	—	2.75%2.80% $50k–$100k	$137
6 monthsSuper Includes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	—	—	2.85%	—2.85% from $100k	—
7 monthsPromotion rate. Relationship Rewards / Member Benefits rate bonus does not apply. Early withdrawal penalties apply. At the end of the 7-month term, balance rolls over into a regular 6-month share certificate	3.50%	—	—	3.50%	$203
7 monthspromotional rate. Relationship Rewards / Member Benefits rate bonus does not apply. Early withdrawal penalties apply. At the end of the 7-month term, balance rolls over into a regular 6-month share certificate	—	3.50%	—	—3.50% $50k–$100k	—
7 monthsSuper promotional rate. Relationship Rewards / Member Benefits rate bonus does not apply. Early withdrawal penalties apply. At the end of the 7-month term, balance rolls over into a regular 6-month share certificate	—	—	3.50%	—3.50% from $100k	—
12 monthsIncludes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	3.40%	3.45%	—	3.40%3.45% $50k–$100k	$340
12 monthsSuper Includes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	—	—	3.50%	—3.50% from $100k	—
24 monthsIncludes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	3.45%	3.50%	—	3.45%3.50% $50k–$100k	$702
24 monthsSuper Includes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	—	—	3.55%	—3.55% from $100k	—
36 monthsIncludes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	3.50%	3.55%	—	3.50%3.55% $50k–$100k	$1,087
36 monthsSuper Includes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	—	—	3.60%	—3.60% from $100k	—
48 monthsIncludes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	3.55%	3.60%	—	3.55%3.60% $50k–$100k	$1,497
48 monthsSuper Includes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	—	—	3.65%	—3.65% from $100k	—
60 monthsIncludes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	3.60%	3.65%	—	3.60%3.65% $50k–$100k	$1,934
60 monthsSuper Includes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	—	—	3.70%	—3.70% from $100k	—

Sources (3)

All captured Sep 16, 2026

Special-purpose accounts

IRA Term Share Certificates

Up to 3.60%APY · 6 termsIRARequirements applyFrom $500 to open

Traditional or Roth IRA certificates available. Must be at least 18 years old to open an IRA with LAPFCU. Penalty-free withdrawal after age 59 1/2. An IRA account closure fee of $20.00 applies.

Earnings on $10,000 over the term.
Term	APY · $500 – $49,999	APY · $50,000 – $99,999	APY · $100,000 and up	APY	Earns on $10,000Earns
6 monthsIncludes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	2.75%	2.80%	—	2.75%2.80% $50k–$100k	$137
6 monthsSuper Includes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	—	—	2.85%	—2.85% from $100k	—
12 monthsIncludes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	3.40%	3.45%	—	3.40%3.45% $50k–$100k	$340
12 monthsSuper Includes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	—	—	3.50%	—3.50% from $100k	—
24 monthsIncludes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	3.45%	3.50%	—	3.45%3.50% $50k–$100k	$702
24 monthsSuper Includes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	—	—	3.55%	—3.55% from $100k	—
36 monthsIncludes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	3.50%	3.55%	—	3.50%3.55% $50k–$100k	$1,087
36 monthsSuper Includes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	—	—	3.60%	—3.60% from $100k	—
48 monthsIncludes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	3.55%	3.60%	—	3.55%3.60% $50k–$100k	$1,497
48 monthsSuper Includes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	—	—	3.65%	—3.65% from $100k	—
60 monthsIncludes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	3.60%	3.65%	—	3.60%3.65% $50k–$100k	$1,934
60 monthsSuper Includes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	—	—	3.70%	—3.70% from $100k	—

Sources (3)

All captured Sep 16, 2026

Youth Term Share Certificates

Up to 3.40%APY · 2 termsKids and teensRequirements apply

Includes a 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsIncludes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	2.75%	$137
12 monthsIncludes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply	3.40%	$340

Sources (1)

lapfcu.org/about-us/rates/share-products-rates · captured Sep 16, 2026

Who can join Los Angeles Police Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

LAPFCU employees and their family or household members, retirees, pensioners, annuitants, spouses of people who died while within the field of membership, corporate/legal entities in the charter, volunteers, and related organizations are eligible to join.
Board members, unpaid officials, and volunteers of nonprofit organizations that support law enforcement agencies in the listed counties (Imperial, Kern, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, Ventura County) are eligible to join.

Military, government and schools

Cadets and Explorers are eligible to join LAPFCU (applicants under 18 must present a birth certificate, Social Security card, or school ID, and require an adult co-signer if requesting a checking account or ATM/debit card).
Federal, state, county, and municipal law enforcement agency employees who work in Imperial, Kern, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, or Ventura County are eligible for membership.

Family and household

Household members of eligible members, defined as domestic partners (as defined in LAPFCU's Affidavit of Domestic Partnership) and legal guardianship relationships (defined by court order), are eligible to join.
Immediate family members of a current LAPFCU member (defined as spouse, domestic partner, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, adopted child, and legal guardianship) are eligible to join.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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