Credit union · Privately insured
Mid Cities Credit Union CD Rates
Mid Cities Credit Union’s best CD rate is 0.10% APY on a 6-month share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Mid Cities Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Mid Cities Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mid Cities Credit Union
0.10%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $5
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
Mid Cities Credit Union CD score
60
CD score
Higher than 0% of U.S. banks and credit unions
- 3–8 months3–8 mo0.10%
- 9–15 months9–15 mo0.10%
- 16–30 months16–30 mo0.10%
- QualifiedQualified0.10%
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 Mid Cities 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.
Share Certificates
0.10%APY · 4 terms
Dividends are compounded daily and paid on the last day of the month; monthly statements are issued; no monthly service fees; all rates are based on account balance and subject to change without prior notice; variable rate account where rates may change after account opening; fees could reduce earnings; subject to early withdrawal penalties.
| Term | APY · $1,000 and up | APY · $25,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsSubject to early withdrawal penalties; variable rate account; insured by ASI up to $250,000 | 0.10% | 0.10% | 0.10% | 0.10%0.10% from $25k0.10% from $100k | $5 |
| 12 monthsSubject to early withdrawal penalties; variable rate account; insured by ASI up to $250,000 | 0.10% | 0.10% | 0.10% | 0.10%0.10% from $25k0.10% from $100k | $10 |
| 18 monthsSubject to early withdrawal penalties; variable rate account; insured by ASI up to $250,000 | 0.10% | 0.10% | 0.10% | 0.10%0.10% from $25k0.10% from $100k | $15 |
| 24 monthsSubject to early withdrawal penalties; variable rate account; insured by ASI up to $250,000 | 0.10% | 0.10% | 0.10% | 0.10%0.10% from $25k0.10% from $100k | $20 |
Special-purpose accounts
IRA Term Share Certificate Accounts
0.10%APY · 4 terms
Traditional and Roth IRA certificate accounts available; $500 minimum balance required to open an IRA; subject to early withdrawal penalties; variable rate account where rates may change after opening; fees could reduce earnings on certificate accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsLow $500 minimum balance required to open an IRA; subject to early withdrawal penalties; variable rate account | 0.10% | $5 |
| 12 monthsLow $500 minimum balance required to open an IRA; subject to early withdrawal penalties; variable rate account | 0.10% | $10 |
| 18 monthsLow $500 minimum balance required to open an IRA; subject to early withdrawal penalties; variable rate account | 0.10% | $15 |
| 24 monthsLow $500 minimum balance required to open an IRA; subject to early withdrawal penalties; variable rate account | 0.10% | $20 |
Who can join Mid Cities 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 anyone who lives, works, worships, or attends school in Compton, Carson, Paramount, Norwalk, Bellflower, Lynwood, or North Long Beach (Zip code 90805).
Family and household
- Membership is open to immediate family members (mother, father, sister, brother, children, grandchildren, aunt, uncle, grandparents, brother-in-law, sister-in-law, mother-in-law, father-in-law, and significant other) of any existing Mid Cities Credit Union member.
Other ways
- Membership is open to employees of the credit union and members of their immediate families and households.
Cost to join
- A minimum $5 deposit into member savings account is required to maintain membership.
- A one-time non-refundable membership fee of $5 is required.
Membership information collected October 5, 2026.